California's Low Cost Auto Insurance Program Provides Affordable Insurance for Those Eligible

Auto insurance is a requirement if you have a valid driver's license and drive a vehicle in the state of California. The California Low Cost Auto (CLCA) Insurance program is a state-sponsored program that makes auto insurance more affordable to those meeting eligibility requirements.

To qualify, you must 1) have a valid California driver's license; 2) own a vehicle valued at $25,000 or less; 3) meet income eligibility guidelines; and 4) be at least 16 (under 18 must be legally emancipated) or older.

Maximum income requirements are based on the size of your household. As of 2024, that maximum is $37,650 for a household size of 1, increasing by $13,450 for each additional household member (e.g. household of 4 maximum income is $78,000.

Annual premiums vary by county. If you live in Ventura County, have been licensed continuously for 3 years and are not a 19-24 years of age and unmarried, your annual premium is $275 ($358 if you are an unmarried 19-24 year old).

While the premiums are great, the coverage is very limited. A basic policy includes only up to $10,000 per person and up to $20,000 per accident for bodily injury or death and up to $3,000 for property damage. Comprehensive and collision is not included in these policies (they would have to be purchased separately).

Learn more and sign up at www.mylowcostauto.com.

Did You Know That Six Streets at the Thousand Oaks Auto Mall are Named After Luxury Brands

Thousand Oaks Auto Center (now Auto Mall) ad from the early to mid 1960s.

Thousand Oaks Auto Center (now Auto Mall) ad from the early to mid 1960s.

The Thousand Oaks Auto Center (now Auto Mall) opened in 1967, making it one of the oldest auto malls in the country. Currently (2023), 29 brands are sold at the mall.

Did you know...that there are five streets running roughly north/south in the Auto Mall between Thousand Oaks Blvd and Auto Mall Drive that are named after five previous luxury brands? The five streets, from west to east, are as follows:

Auburn Ave - Luxury brand sold from 1900 to 1937.

Marmon Ave - Luxury brand sold from 1902 to 1933 (Marmon Motor Co build the first Indianapolis 500 winning car in 1911).

Cord Ave - Luxury brand sold in 1929-1932 and 1936-1937.

Pierce Arrow Ave - Luxury brand sold 1901 to 1938.(Its firs car in 1901 was a single-cylinder, two-speed no-reverse car called Motorette.

Packard Circle - Luxury brand sold from 1899 to 1956.

There's also Duesenberg Drive, which connects to Auto Mall Drive on the north, to Hillcrest. Luxury brand sold from 1913 to 1937.

T.O. Auto Mall website is at www.toautomall.info

California Law Has Required Gas Stations to Provide Free Water, Air and Air Pressure Gauge For Customers Since January 2000

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There’s a law that was passed in 1999, that made it a requirement for service stations in California to provide free water, compressed air and an air pressure gauge to customers who purchase fuel.

A service station is defined as an establishment that offers gasoline or other motor vehicle to the public.

I’m slightly embarrassed to admit that I was not aware of this law until just recently, when a few folks shamed me for paying $1.00 to fill the air in my tires. (That said, I was not a paid customer at the time. So technically I was not legally entitled to free compressed air.)

Section 13651 of the California Business and Professions Code further indicates “Every service station in this state shall display, at a conspicuous place on, at, or near the dispensing apparatus, at least one clearly visible sign which shall read as follows: CALIFORNIA LAW REQUIRES THIS STATION TO PROVIDE FREE AIR AND WATER FOR AUTOMOTIVE PURPOSES TO ITS CUSTOMERS WHO PURCHASE MOTOR VEHICLE FUEL. IF YOU HAVE A COMPLAINT NOTIFY THE STATION ATTENDANT AND/OR CALL THIS TOLL-FREE TELEPHONE NUMBER: 1 (800) ___ ____. “

So perhaps this post will save someone from unnecessarily paying 75 cents to $1.50 to fill up their tires.

There is no requirement to provide the air for free to non-paying customers.

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State of California Smog Check Program Requirements

I was about to renew my auto registration online as I’ve done mindlessly for many years, until I looked more carefully at the notice and I read the dreaded “STOP: SMOG Certification Required” imprinted near the top of the notice. I’ve owned the minivan for eight years and wondered, why NOW!?

The California Smog Check Program has been in place since 1984.and is administered by the Bureau of Automotive Repair, or BAR. BAR licenses independently owned smog check stations throughout the state.

THE BASICS

The BAR indicates a smog check is required EVERY OTHER YEAR as part of the vehicle registration process. It is also required when a vehicle changes ownership or when it is registered for the first time in California.

Every other year? That can’t be, because this was the first time I’ve been asked to do a smog check in the eight years since I owned the car, right?

The BAR goes on to explain that gasoline-powered vehicles, hybrid vehicles and alternative-fuel vehicles that are model year 1976 and newer require a smog check, with the following exceptions:

  • Eight model years and newer do not require a biennial smog check.

  • Four model years and newer do not require a change-of-ownership check.

In English, this means you need to add 8 to the model year of your vehicle to determine when you need to start doing biennial, or every other year, smog checks. For example, my 2014 minivan needs a smog test starting in 2022. And if I purchase a used 2018 vehicle in 2022, it would be subject to a smog check.

SMOG CHECKS ARE NOT REQUIRED FOR:

  • 1975 or older vehicles

  • Eight model years or newer vehicles

  • Four model years or newer vehicles changing ownership

  • Electric vehicles

  • Motorcycles

  • Tricycles (OK, I decided to throw this in to make sure you were paying attention.)

  • Diesel vehicles model year 1997 and older

  • Diesel vehicles with a gross weight of over 14,000 pounds

OTHER

Wait a second, my 2014 minivan is eight years old. Why this year, not next year, for the first smog check? Because the state assumes that model years are released in the calendar year prior to a vehicle’s model year. So regardless whether I purchased my brand new 2014 minivan in 2013 or 2014, it is assumed to be one model year old in 2014. That means, it is theoretically turning nine model years old in 2022. Hence, the need for a smog check for the first time in 2022.

If your smog check passes, hurray! The smog “certificate” is electronically submitted to the DMV and you are on your way to renew your vehicle registration. If it fails the test, you need to get it fixed, or you can visit a “smog check referee” for a second opinion.

“But I don’t want to get a smog check!” Well, then buy an electric car or a model 1975 or older car. Or buy a new car before your car turns eight model years old. Or move to a state like Alabama that doesn’t require emissions testing.

The Mullin Automotive Museum in Oxnard is a Ventura County Crown Jewel (Closing Its Doors February 10, 2024)

On January 17, 2024, the Mullin Automotive Museum announced it will be closing its doors on Saturday, February 10th, in light of the passing of Peter Mullin in September 2023. More information at THIS LINK.

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The 46,000 square foot Mullin Automotive Museum in Downtown Oxnard is spectacular!

Open only a few days a month to the general public, this is one museum that is a MUST SEE. The autos, made by Bugatti, Voisin, Delahaye, Delage, Talbot-Labo, Hispano-Suiza, Renault, Peugeot and others, are works of art from the 1930s and 1940s, when autos were more than transportation. In addition to the autos, there are representative furnishings and works of art from the era on display.

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Visit www.mullinautomotivemuseum.com and reserve a visit. The photos and video footage below are great but don't come anywhere close to a visit in person!

The museum will be reopening on November 6, 2020 after closure due to the pandemic.

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California Drivers Are Not Necessarily Required to Have Auto Insurance

Yes, it is true, technically, the law does not state that drivers in California MUST carry auto insurance.

However, California Vehicle Code Section 1656.2 does have certain "compulsory financial responsibility" requirements most easily met by maintaining valid auto liability insurance that covers, at a minimum, $15,000 for injury/death to one person, $30,000 for injury/death to two or more persons and $5,000 for property damage.

Alternatively, the law allows financial responsibility to be met in one of three other ways: a cash deposit of $35,000 with the DMV, a DMV-issued self-insurance certificate or a surety bond for $35,000.

Now, if someone can actually afford to leave a $35,000 deposit with the DMV, they probably have a lot more assets that could be put at risk without adequate insurance in place. Probably not a good idea. I called the DMV Financial Responsibility Unit. Apparently some people leave the cash deposit who feel they spend too much on premiums over the years. Or perhaps if they import a car that is difficult to insure.

I also asked about the "self insurance" option and laughed when I heard you need a net worth of at least $2.2 million and a fleet of 25 or more cars. Not really geared toward most individuals.

Posting a surety bond for $35,000 is an alternative to insurance but the cost can be significant, generally ranging from 1 to 5% of the value of the bond.

A Low Cost Auto Insurance Alternative

As we know, auto insurance can be expensive. The California Low Cost Automobile (CLCA) Insurance Program was established in 1999 to help income-eligible drivers with good driving records purchase liability insurance that meets State requirements.

To qualify for a CLCA insurance policy, you must

Read More

Citroën Exhibit at Mullin Automotive Museum in Oxnard to Celebrate 100 Years in Operation

The Mullin Automotive Museum will offer a one of a kind retrospective on one of France's greatest automakers featuring work from its beginning to the present day. The exhibit opened to the public on Saturday, March 11th, 2017 and is the largest Citroen exhibit ever held in the U.S.  

"Citroën: The Man, The Marque, The Mystique," features cars from the entire history of the company as well as an in-depth look at Andre Citroën. The exhibit runs through the spring of 2018.

Citroën has built a reputation over the last 98 years as being a company willing to take risks and do things differently. It has managed to continually push the boundaries of technology and styling without losing its unique Gallic charm, something which is so evident in vehicles like the DS and the 2CV. Founded in 1919 by Andre Citroën, the company was responsible for building Europe’s first affordable mass-produced car, the Citroën Type A. The company also popularized the front wheel drive layout in addition to unibody construction and four-wheel independent suspension with its revolutionary Traction Avant executive car.

“Citroën is a marque that has always appealed to me on some level,” said Peter Mullin, founder and CEO of the Mullin Automotive Museum. “The way in which the company set about designing its often odd but always stunning vehicles, packing them with wildly innovative technologies, is fascinating to me. I’m so pleased that we will soon be able to share these incredible vehicles with the public who may not have ever seen them in person and I hope we’re able to create a new legion of Citroën devotees.”

“Citroën: The Man, The Marque, The Mystique” represents the most comprehensive look at the history of the famed French automaker ever attempted in North America and honors one of the world’s greatest and quirkiest manufacturers. The exhibition features 46 of the world’s most historic and unique Citroëns including a number of vehicles bodied by French coachbuilder Chapron, a rare twin-engined 2CV Sahara, a Traction Avant Cabriolet and an iconic HY Van. Visitors can also expect to see modern Citroëns such as the 2007 C6 and the 2009 C3 Pluriel as well as several late production model 2CVs dating from the 1980s and early 1990s, none of which were ever sold in the U.S.

The museum hosts semi-private tours available on Tuesdays and Thursdays and public days on the 2nd and 4th Saturdays of the month. Tickets are encouraged to be purchased in advance through the Museum’s website. For more information, visit www.MullinAutomotiveMuseum.com or call 805.385.5400.

The Mullin Automotive Museum is located at 1421 Emerson Avenue, Oxnard. The museum is typically open to the public on the second and fourth Saturdays of every month from 10 AM to 3 PM. Tickets must be purchased in advance at www.MullinAutomotiveMuseum.com.

The first Citroën, the Type A, built in 1919.

The first Citroën, the Type A, built in 1919.

Citroën DS

Citroën DS