Question 1

What are the minimum auto insurance requirements in California?

Accepted Answer

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

Question 2

What is an SR-22, and when do I need one?

Accepted Answer

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.

Question 3

Can I get car insurance if I have a DUI or multiple tickets?

Accepted Answer

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.

Question 4

What’s the difference between liability and full coverage insurance?

Accepted Answer

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.

Question 5

How does uninsured motorist coverage work?

Accepted Answer

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.

Question 6

Is car insurance more expensive in California?

Accepted Answer

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.

Question 7

Can I get car insurance without a driver’s license in California?

Accepted Answer

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

Question 8

How can I lower my auto insurance rates?

Accepted Answer

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

Auto Insurance | SR22 Certificates | Vehicle Registration | Small Business Insurance
22805 Hawthorne Blvd Torrance CA 90505

Affordable Auto Insurance:

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!

Affordable Coverage Tailored to Your Needs

Partnering with the Industry's Best for Our Clients' Best Interests

Stay In-The-Know

Frequently asked questions

What are the minimum auto insurance requirements in California?

What is an SR-22, and when do I need one?

Can I get car insurance if I have a DUI or multiple tickets?

What’s the difference between liability and full coverage insurance?

How does uninsured motorist coverage work?

Is car insurance more expensive in California?

Can I get car insurance without a driver’s license in California?

How can I lower my auto insurance rates?

Auto Insurance | SR22 Certificates | Vehicle Registration | Small Business Insurance 22805 Hawthorne Blvd Torrance CA 90505

Affordable Auto Insurance:

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!

Affordable Coverage Tailored to Your Needs

Partnering with the Industry's Best for Our Clients' Best Interests

Stay In-The-Know

Frequently asked questions

What are the minimum auto insurance requirements in California?

What is an SR-22, and when do I need one?

Can I get car insurance if I have a DUI or multiple tickets?

What’s the difference between liability and full coverage insurance?

How does uninsured motorist coverage work?

Is car insurance more expensive in California?

Can I get car insurance without a driver’s license in California?

How can I lower my auto insurance rates?

Auto Insurance | SR22 Certificates | Vehicle Registration | Small Business Insurance
22805 Hawthorne Blvd Torrance CA 90505

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!