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California’s low cost auto (clca) insurance program helps good drivers that are income eligible afford auto insurance that meets the state’s mandatory auto insurance law. Effective january 1, 2022 caarp will be implementing a new private. To apply for california’s low cost auto insurance program, follow these 2 steps: California’s low cost automobile (clca) insurance program provides affordable insurance to good drivers with low incomes who would otherwise be uninsured.

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