California’s Low Cost Automobile Insurance Program (Chinese)

加州政府設立本保險計劃,為符合收入標準﹑行車記錄好的駕駛人提供低價的車輛責任保險。承保單由在加州註冊的保險公司開出。加州法律規定要設立一項加州低價車輛保險計劃,以滿足其財務責任法律的有關規定。
The State of California has developed this program to provide income eligible, good drivers with access to affordable automobile liability insurance. The policies are issued by California licensed insurance companies. California state law provides that a California Low Cost Automobile Insurance policy satisfies financial responsibility laws.

California’s Low Cost Automobile Insurance Program  (Chinese)

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Click here to download/view the 2017 Chinese Rack Card.

加州法律規定所有駕駛人都須有汽車保險。
如果您無保險駕車,您可能會:

  • 被吊銷車輛牌照
  • 被吊銷駕駛執照
  • 被沒收車輛
  • 被罰款

您沒有保險卻開車是因為您付不起保險費嗎?

加州政府有一個計畫方案幫助收入合格的優良駕駛 人,能獲得一年不到$556元的低價汽車保險 (只保責任險)。

這些保險是由持有加州執照的保險公司發給。 「加州低價汽車保險」符合州政府的責任險法律規定。

如果您符合以下條件,您可能有資格參加加州低價車輛保險計劃:

  • 駕駛記錄良好
  • 年齡至少19歲
  • 已連續三年持有效的駕駛執照
  • 擁有一輛價值不超過$25,000的汽車
  • 符合以下所列的收入標準

There are 2 payment plans available:

  • Full annual premium
  • Or, 20% deposit with balance to be paid 7 bi-monthly installments (for each installment payment there will be a $4 transaction fee.)

基本責任險的承保限額是:**

  • 受傷或死亡,每人賠 $10,000
  • 受傷或死亡,每次事故賠 $20,000
  • 財物損壞責任,每次事故賠 $3,000

* 本方案每次付款收手續費$4。每兩個月一次指每隔一個月才到付款期。.

** 有其他需要額外收費的直接利益保險項目。.

收入標準 (Rev 2017)

家中人口數 最高收入
1 人 $30,150
2 人 $40,600
3 人 $51,050
4 人 $61,500
5 人 $71,950
6 人 $82,400
7 人 $92,850
8 人 $103,300
  • Eligibility is based on the household’s gross annual income which must be 250% or less of the federal poverty level.
  • For Low Cost Automobile Insurance Program (LCA) income eligibility purposes, “Household” means, all the persons who occupy a housing unit (house or apartment) and who are related by blood, marriage, registered domestic partnership, adoption, or guardianship. If more than one family is living in the same housing unit, they constitute different families for eligibility purposes even though they reside at the same address.

County Premiums

Effective 2017, the annual premium for the California counties are shown in the chart below.

Base Rate is for most drivers with 3 years of good driving history.
25% Surcharge if the driver is a single male 19-24 years old.
30% Surcharge if the driver has less than 3 years of verifiable driving history.

The maximum surcharge on any CLCA policy is 30%.

County of Residence Base Rate 25% surcharge 30% surcharge
Alameda $322 $403 $419
Alpine $259 $324 $337
Amador $259 $324 $337
Butte $275 $344 $358
Calaveras $259 $324 $337
Colusa $275 $344 $358
Contra Costa $322 $403 $419
Del Norte $275 $344 $358
El Dorado $259 $324 $337
Fresno $252 $315 $328
Glenn $275 $344 $358
Humboldt $275 $344 $358
Imperial $259 $324 $337
Inyo $259 $324 $337
Kern $259 $324 $337
Kings $252 $315 $328
Lake $275 $344 $358
Lassen $275 $344 $358
Los Angeles $470 $588 $611
Madera $252 $315 $328
Marin $322 $403 $419
Mariposa $259 $324 $337
Mendocino $275 $344 $358
Merced $252 $315 $328
Modoc $275 $344 $358
Mono $259 $324 $337
Monterey $252 $315 $328
Napa $275 $344 $358
Nevada $259 $324 $337
Orange $470 $588 $611
Placer $259 $324 $337
Plumas $275 $344 $358
Riverside $259 $324 $337
Sacramento $322 $403 $419
San Benito $252 $315 $328
San Bernardino $259 $324 $337
San Diego $259 $324 $337
San Francisco $322 $403 $419
San Joaquin $322 $403 $419
San Luis Obispo $252 $315 $328
San Mateo $322 $403 $419
Santa Barbara $252 $315 $328
Santa Clara $322 $403 $419
Santa Cruz $252 $315 $328
Shasta $275 $344 $358
Sierra $259 $324 $337
Siskiyou $275 $344 $358
Solano $275 $344 $358
Sonoma $275 $344 $358
Stanislaus $322 $403 $419
Sutter $322 $403 $419
Tehama $275 $344 $358
Trinity $275 $344 $358
Tulare $252 $315 $328
Tuolumne $259 $324 $337
Ventura $259 $324 $337
Yolo $275 $344 $358
Yuba $259 $324 $337
今天就打電話詢問!
1-866-602-8861
mylowcostauto.com

「加州低價汽車保險計畫」是由加州保險局訂定,而由「加州汽車指定風險計畫」所執行。

Published / Reviewed Date

Published: April 24, 2017

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