Some States Provide Low Cost Car Insurance
Some states like California suffer from expensive car insurance rates and therefore high number of uninsured drivers. Lack of employment and high living costs can force people to go without insurance. It would not be hard to understand such a person who has more urgent payments to make for accommodation and food. Similarly, they cannot give up owning an automobile when they cannot carry out their works and daily tasks without it.
Vehicle insurance cover is very important and it is worth having. Not many people can argue about it providing they can afford. Under normal circumstances most people would buy decent level of coverage. However, it is a problem when people cannot even afford the minimums required by each state. Not having basic third party liabilities coverage is an offence and people will get tickets, fines and taken to court. It is a violation of traffic laws which can as well risk your driving license.
Some states come up with plans that will help low income drivers to afford liabilities coverage. This is by introducing a new program which is ending up helping many drivers who qualify for it to pay as low as 400 dollars per year. States achieve this by reducing the allowable limits on the liabilities cover. Bringing down the maximum amount of monetary limits a policy pays brings down the costs.
There are qualification requirements set for these low cost car insurance policies. In general, these terms are of low income and low savings. If you have an expensive car you will probably not be able to qualify for them. It aims to help low income key workers in the cities where car insurance rates are far too high. Without these workers a city cannot perform its basic duties.
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