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LICENSED AUTO INSURANCE AGENTS WANTED
How to make money selling California state-sponsored auto insurance
2Copyright © 2017 California’s Low Cost Auto Insurance
WHAT IS CALIFORNIA’S LOW COST AUTO INSURANCE
• State-sponsored program SB-1273 (Lara)
• Reduce uninsured drivers in California
• Affordable alternative for income eligible households
• Applicants must meet eligibility criteria
• Available to undocumented California drivers (AB60)
• Managed by the California Department of Insurance
3Copyright © 2017 California’s Low Cost Auto Insurance
WHO QUALIFIES?
Consumers who:
• Have a valid California Driver’s License
• Own a vehicle valued at $25,000 or less
• Meet income eligibility guidelines
• Be at least 19 years old
• Meet good driver eligibility guidelines
4Copyright © 2017 California’s Low Cost Auto Insurance
WHO ARE OUR CLCA CUSTOMERS?
The primary target populations and customers
for the CLCA program are:
• Households that meet the 250% federal poverty level
• Uninsured drivers
• Latinos and diverse communities
• Non-U.S. citizens over the age of 19 regardless of immigration status
• Senior households (over the age of 65)
• Males age 19 to 24
• AB 60 license holders
5Copyright © 2017 California’s Low Cost Auto Insurance
COVERAGE - BASIC LIABILITY INSURANCE ONLY
• Up to $10,000 per person in case of bodily injury or death
• Up to $20,000 per accident in case of bodily injury or death
• Up to $3000 property damage
• (Optional) Uninsured Motorist
• (Optional) Medical Payments
CLCA Policy Coverage meets mandatory minimum laws under SB1273
6Copyright © 2017 California’s Low Cost Auto Insurance
RATES VARY BY PRICING ZONE (COUNTY)
Rates expire 12/31/17
Zones Base Rate Male 19-24 years old
Less than 3 years licensed
1 $252 $315 $328
2 $259 $324 $337
3 $275 $344 $358
4 $322 $403 $419
5 $470 $588 $611
7Copyright © 2017 California’s Low Cost Auto Insurance
MARKETING & ADVERTISING SUPPORT PROVIDED
8Copyright © 2017 California’s Low Cost Auto Insurance
PROGRAM BENEFITS FOR CLCA CERTIFIED AGENTS
• Free pre-qualified and pre-screened leads
• Marketing and advertising support online and on the ground
• EASi online application system
• Free marketing materials and collateral
• Free resources including industry tips and successful strategies
• Designated Program Specialist
• $50.00 per application compensation
• $60.00 certification course training
9Copyright © 2017 California’s Low Cost Auto Insurance
Hold a current insurance license with the state of CA
Be either an agency or a producer of record (not employee producer)
Provide current mailing address, e-mail address, telephone number and fax number on file
Complete your CAARP application here
Start your training courses here
Once you’ve completed your CAARP certification, download your free Lead Accepting Producer application form here.
HOW TO GET STARTED
10Copyright © 2017 California’s Low Cost Auto Insurance
HOW TO MAINTAIN CLCA CERTIFIED STATUS
Complete the seminar requirement at least once every four years.
Provide CAARP with a copy of your renewal license by fax to (415) 421-4013 or e-mail to [email protected].
Maintain access to the current CAARP Manual, which includes the rules and rates of both CAARP and the Low Cost Program. The manual is available free of charge online at www.aipso.com/ca and www.aipso.com/lc.
Failure to follow these guidelines in a timely manner will result in a lapse in your certification status and affect your ability to receive consumer leads and submit applications.
11Copyright © 2017 California’s Low Cost Auto Insurance
LEAD ACCEPTING PRODUCER PROGRAM (OPTIONAL)
Receive consumer leads electronically then…
• Follow up on leads within 24 to 48 hours
• Provide consultation over the phone or in person with consumers
• Develop a workable and affordable insurance plan for the consumer
• Prepare and submit the application online through the EASi 2.0 System
• Coordinate required payment(s) with consumers
12Copyright © 2017 California’s Low Cost Auto Insurance
HOW TO MAINTAIN LEAD ACCEPTING PRODUCER STATUS
Respond to qualified leads on the EASi system within 24 to 48 hours
Notify CAARP if you will be away and unable to respond to leads. Email [email protected].
13Copyright © 2017 California’s Low Cost Auto Insurance
CONSUMER WEBSITE + AGENT SUPPORT
14Copyright © 2017 California’s Low Cost Auto Insurance
GETSTARTED
NOW!
15Copyright © 2017 California’s Low Cost Auto Insurance
HELPFUL LINKS AND CONTACTS
CLCA website www.mylowcostauto.com
CAARP plan office customer service 800-622-0954
Contact CAARP:
CLCA producer forms
Video tutorial EASi 2.0 system
Plan manuals- log in, select “Manuals”
Order no-cost collateral
4-hour required course training
Contact us: [email protected]
Timeline to become CLCA Certified and Lead Accepting Producer
1 day 5 days 7 days 9 days 11 days 13 days 15 days
Complete and mail, fax or email Producer Certification Application
Application approved by AIPSO (Validate license)
Producer requests and receives access to EASi (Electronic Application Submission Interface) With EASi access, producer can begin to write CLCA policies
Producer completes four online producer seminars (4 hours total) Producer has up to 4 months to complete Lunchtime training.
Producer notified via email from Lunch Time CE training complete/now certified
AIPSO approves/processes application - LAP is eligible to receive leads via EASi
Certified producer notified of LAP status via email with instructions how to retrieve leads
LAP requests and receives access to EASi if they don't already have it
Certified producer completes and submits LAP application form to AIPSO
Producer becomes certified
Certified Producer becomes Lead Accepting
Producer (LAP)
THANK YOU FOR YOUR INTEREST!
