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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 2018 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 2018)

家中人口數 最高收入
1 人 $30,350
2 人 $41,150
3 人 $51,950
4 人 $62,750
5 人 $73,550
6 人 $84,350
7 人 $95,150
8 人 $105,950
  • 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.

常问问题: https://www.mylowcostauto.com/faq/chinese

County Premiums

Effective 2018, 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 30% surcharge 40% surcharge 100% surcharge
Alameda $321 $417 $449 $642
Alpine $267 $347 $374 $534
Amador $267 $347 $374 $534
Butte $267 $347 $374 $534
Calaveras $267 $347 $374 $534
Colusa $267 $347 $374 $534
Contra Costa $321 $417 $449 $642
Del Norte $267 $347 $374 $534
El Dorado $267 $347 $374 $534
Fresno $247 $321 $346 $494
Glenn $267 $347 $374 $534
Humboldt $267 $347 $374 $534
Imperial $267 $347 $374 $534
Inyo $267 $347 $374 $534
Kern $267 $347 $374 $534
Kings $247 $321 $346 $494
Lake $267 $347 $374 $534
Lassen $267 $347 $374 $534
Los Angeles $490 $637 $686 $980
Madera $247 $321 $346 $494
Marin $321 $417 $449 $642
Mariposa $267 $347 $374 $534
Mendocino $267 $347 $374 $534
Merced $247 $321 $346 $494
Modoc $267 $347 $374 $534
Mono $267 $347 $374 $534
Monterey $247 $321 $346 $494
Napa $267 $347 $374 $534
Nevada $267 $347 $374 $534
Orange $490 $637 $686 $980
Placer $267 $347 $374 $534
Plumas $267 $347 $374 $534
Riverside $267 $347 $374 $534
Sacramento $321 $417 $449 $642
San Benito $247 $321 $346 $494
San Bernardino $267 $347 $374 $534
San Diego $267 $347 $374 $534
San Francisco $321 $417 $449 $642
San Joaquin $321 $417 $449 $642
San Luis Obispo $247 $321 $346 $494
San Mateo $321 $417 $449 $642
Santa Barbara $247 $321 $346 $494
Santa Clara $321 $417 $449 $642
Santa Cruz $247 $321 $346 $494
Shasta $267 $347 $374 $534
Sierra $267 $347 $374 $534
Siskiyou $267 $347 $374 $534
Solano $267 $347 $374 $534
Sonoma $267 $347 $374 $534
Stanislaus $321 $417 $449 $642
Sutter $321 $417 $449 $642
Tehama $267 $347 $374 $534
Trinity $267 $347 $374 $534
Tulare $247 $321 $346 $494
Tuolumne $267 $347 $374 $534
Ventura $267 $347 $374 $534
Yolo $267 $347 $374 $534
Yuba $267 $347 $374 $534
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

Reviewed: August 21, 2018

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Filed Under

Auto Lending/Insurance   ♦   Insurance   ♦  

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© 2008 –2018 California Department of Insurance. Rights Reserved.

 
 
 
 

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