Affordable Auto Insurance:

California law requires drivers to carry at least 30/60/15 liability coverage, which means:

• $30,000 for bodily injury per person

• $60,000 for bodily injury per accident

• $15,000 for property damage

An SR-22 is a certificate proving you have the state-required auto insurance. It’s often required after a DUI, at-fault accident, or license suspension. While it’s not an insurance policy itself, your insurer files it with the DMV to help reinstate your driving privileges.

Yes! Many insurance companies offer coverage for high-risk drivers, including those with DUIs or traffic violations. Hardigan Insurance Services specializes in finding affordable options for drivers in these situations.

• Liability Insurance covers damages and injuries you cause to others but does not cover your own vehicle.

• Full Coverage includes comprehensive and collision insurance, protecting your car from accidents, theft, vandalism, and natural disasters.

Uninsured motorist (UM) and underinsured motorist (UIM) coverage protect you if you’re in an accident caused by a driver who has no insurance or not enough insurance to cover your damages.

California tends to have higher-than-average insurance rates due to traffic congestion, accident rates, and strict insurance regulations. However, comparing multiple carriers can help you find affordable coverage.

Yes, some insurers provide policies for unlicensed drivers or those with international licenses.

You can reduce your premiums by:

• Maintaining a clean driving record

• Bundling auto insurance with other policies

• Choosing a higher deductible

• Asking about good driver or low-mileage discounts