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

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