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Auto Insurance | SR22 Certificates | Vehicle Registration | Small Business Insurance
22805 Hawthorne Blvd Torrance CA 90505
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WHY HARDIGAN
At Hardigan Insurance Services, we make finding affordable, reliable auto insurance simple and stress-free.
Unlike other agencies, we compare multiple carriers to ensure you get the best rates!
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What are the minimum auto insurance requirements in California?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
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What is an SR-22, and when do I need one?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.
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Can I get car insurance if I have a DUI or multiple tickets?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.
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What’s the difference between liability and full coverage insurance?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.
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How does uninsured motorist coverage work?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.
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Is car insurance more expensive in California?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.
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Can I get car insurance without a driver’s license in California?Yes, some insurers provide policies for unlicensed drivers or those with international licenses.
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How can I lower my auto insurance rates?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
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What is a small business health insurance plan?A small business health insurance plan is a type of health insurance plan designed for small businesses. It allows small business owners to provide health insurance benefits to their employees.
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What is the difference between on and off exchange plans?On-exchange plans are those that are purchased through the federal or state health insurance marketplace, while off-exchange plans are those that are purchased directly from a health insurance company or through a broker.
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How many employees do I need to have to qualify for a small business health insurance plan?In most states, you need to have at least one full-time employee to qualify for a small business health insurance plan.
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What types of small business health insurance plans are available?There are several types of small business health insurance plans, including traditional group health insurance plans, health savings account (HSA) plans, and high-deductible health plans (HDHPs).
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Can I contribute to my employees' health insurance premiums?Yes, as a small business owner, you can contribute to your employees' health insurance premiums. In fact, many small businesses choose to offer a percentage of the premium cost as an employee benefit.
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Can I choose which health insurance plans to offer my employees?Yes, as a small business owner, you can choose which health insurance plans to offer your employees. You can select one or more plans that best meet the needs of your employees and your budget.
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What is the Small Business Health Options Program (SHOP)?The Small Business Health Options Program (SHOP) is a program that allows small business owners to shop for and purchase health insurance plans for their employees through the federal or state health insurance marketplace.
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What are the benefits of purchasing a small business health insurance plan on the exchange?Purchasing a small business health insurance plan on the exchange may provide access to lower premiums and tax credits, as well as a wider selection of plans to choose from.
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What are the benefits of purchasing a small business health insurance plan off the exchange?Purchasing a small business health insurance plan off the exchange may provide more flexibility in plan design and greater control over costs.
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Can I switch my small business health insurance plan?Yes, as a small business owner, you can switch your health insurance plan during open enrollment periods or if you experience a qualifying life event, such as the birth of a child or a change in employment status.
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