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SCJ Markets - Affirmative Insurance

The SCJ Affirmative program offers you a market with broad driver acceptability. This program brings just what you need to be profitable in nonstandard auto and you'll have the confidence you require from a respected underwriting manager.


  • Affirmative is rated B by A.M. Best
  • 15/30/10 and 15/30/5 liability limits
  • All license status OK and California license proof not required (MVR activity must meet program guidelines)
    • Foreign licenses
    • Out of State licenses
    • No license
    • Expired, suspended, revoked licenses
    • Permit drivers
  • Excluding named insured acceptable
  • $1,000 and $2,500 deductibles for physical damage
    • Named operator physical damage
    • Double deductible first 30 days of policy
  • 1, 3, 6, and 12 month policy terms


  • 20% discount for California Good Driver
  • 18% multi-car discount for bodily injury coverage, 13% physical damage
  • 10% Renewal discount after 6 months with Affirmative
  • 5% Good Student discount
  • 5% discount for mature drivers who complete an accident prevention course approved by the DMV

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