Welcome to Apac service center

WHAT IS IT?
A program established by the California Legislature that provides low-income good drivers who live in eligible counties in California with low cost insurance coverage. This pilot program, which is administered by the California Automobile Assigned Risk Plan (CAARP), became effective on July 1, 2000, for qualified residents of Los Angeles County and the City and County of San Francisco only.
Effective April 1, 2006, the Program was expanded to qualified residents of Alameda, Fresno, Orange, Riverside, San Bernardino and San Diego counties.
On June 1, 2006, eight additional counties were added to the Program: Contra Costa, Imperial, Kern, Sacramento, San Joaquin, San Mateo, Santa Clara and Stanislaus, for a total of sixteen eligible counties.

WHO IS ELIGIBLE?
Applicant must meet the following eligibility requirements:
1.Household annual income before taxes, cannot exceed 250% of the federal poverty level.
2.Must be at least 19 years old and have been continuously licensed in the US or Canada for the previous 3 years or 18 months if previous driving experience in a foreign country.
3.No more than one moving violation or property damage only accident in which the driver was at fault in past 3 years.
4.No at fault accident with BI or death in the past 3 years.
5.No felony or misdemeanor convictions in violation of Vehicle Code on DMV record.
6.Is not a college student claimed as a dependent of another person for tax purposes.
7.Has no other automobile liability insurance coverage over and above this policy.
8.Value of vehicle cannot be more than $20,000.00.
9.Cannot have more than 2 vehicles per person insured through the CA Low Cost Auto Insurance Program.
10.Cannot have other liability insurance coverage in the household. However, you may purchase Physical Damage Coverage elsewhere. You may also purchase optional Uninsured Motorist Bodily Injury and Medical Payment coverage through the Program.

RATE PER VEHICLE – ANNUAL PREMIUM
	Liability	Medical (optional)	Uninsured Motorist BI (optional)
Los Angeles County	$350.00	$37.00	$67.00
Orange County	$308.00	$31.00	$39.00
Riverside County	$243.00	$18.00	$33.00
Sacramento County	$378.00	$30.00	$50.00
San Bernardino County	$280.00	$23.00	$41.00
San Diego County	$265.00	$19.00	$27.00
San Francisco County	$336.00	$29.00	$25.00
If there are one or more unmarried male drivers between the ages of 19-24, inclusive, who reside in the household, the base rate would be surcharged an additional 25%.

WHAT ARE THE PAYMENT PLANS?

PAYMENT OPTIONS

.Option 1

Full Annual Premium

Option 2

$100 Deposit with balance to be paid in 6 bi-monthly installments.*

Option 3

$125 Deposit with balance to be paid in 5 bi-monthly installments.*

Option 4

15% Deposit with balance to be paid in 6 bi-monthly installments.*

* There will be a $4.00 per installment fee for Payment Options 2, 3 & 4. Bi-monthly means every other month a payment is due. No Outside Premium Financing is allowed!

Please call 888-765-0226 to see if you can qualify for the program. We offer free assistance to apply.