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Millions of drivers take to American roadways every year without auto insurance, sometimes because they either can't afford it or can't even get it. Now, though, it seems that more states are trying to do something about those issues, and California recently joined the ranks of those doing so. Until such time as laws can be passed to help broaden the number of people with insurance, though, agents might need to do more to explain to drivers why their policies cost what they do, and what they might be able to do to deal with those issues.

At the start of next year, the millions of undocumented immigrants currently living in California will be able to legally obtain a state driver's license, but there is not currently a law on the books that will allow them to obtain auto insurance, according to a report from the Orange County Register. So, before that Jan. 1 deadline, lawmakers are scurrying to get another bit of legislation passed that would allow these people to buy plans through California Low Cost Auto Insurance.

How would it work?
California state law dictates that all drivers must have auto insurance, and the state's CLCA allows drivers with low incomes to get affordable coverage in many cases, the report said. In all, about 1.4 million immigrants are expected to obtain driver's licenses thanks to the new law over the next three years, and as such enrollment in that program is likely to go up significantly. For a number of reasons, only about 70,000 people have signed up for coverage through the program over the last 14 years. And because California has some 4.1 million uninsured drivers within its borders, any effort to boost enrollment could go a long way toward bringing premiums down for everyone.

For many Americans, the amount they have to pay for their various types of insurance coverage can often seem to be burdensome, but agents who can explain the ins and outs of some policies can often go a long way toward building better relationships with their clients. For this reason, it might be wise for agents to not only walk customers through what they're paying for and why, but also do all in their power to provide the occasional discounts when other issues might arise. That can significantly boost not only customer satisfaction rates, but those for retention as well.

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