Caarp Low Cost Auto Insurance. Effective 12/1/2014, the convenience fee pricing for use of debit card payments for caarp private passenger and ca low cost auto processed through easi has been revised and. The department of insurance has regulatory oversight over the program.
California’s low cost automobile program (clca) was established by the legislature in 1999 and exists pursuant to california insurance code section 11629.7 as a. California’s state legislature created caarp in 1947. The california low cost automobile insurance program (lca) was implemented in 2000 by the california legislature to address the problem of uninsured motorists in the state.