Frequently Asked Questions

Auto-Insurance can be complicated, Sigo makes it easy!

Insurance requirements

What are the required coverages?

Bodily injury liability: Pays damages for people injured in an accident for which you are held legally responsible. It covers both medical, funeral and legal expenses.
Property damage liability: Pays to repair damage to other people’s property in which you are held legally responsible.


What are the insurance requirements per state?

Some states require Personal Injury Protection (PIP), Medical Payments Coverage, or Uninsured/Underinsured Motorist coverages. 

California requirements include: Bodily injury coverage of $15,000 per person and $30,000 per accident. Propetry damage liability coverage of $5,000.

Find your state’s requirement here

What are the types of optional coverages?

  • Collision insurance
  • Comprehensive insurance
  • Uninsured and Underinsured Motorists Coverage
  • Personal Injury Protection
  • Residual Medical Payment


Insurance terms

Collision Insurance

Pays to repair damages done to your car in case of an accident while driving.

Accidents include: hitting a pothole, tree, guardrail, telephone pole, vehicles or other objects.

Uninsured & Underinsured Motorist Coverage

Covers medical expenses and related expenses caused by negligent, uninsured driver


The amount of money set in your insurance plan that determines what you will have to pay out of your own pocket for car repairs. The remaining amount is covered by the insurance company. 


Request for insurance company to pay you under the terms set on your policy

Total Loss

Cost of repair is near or over the vehicle’s cash value

Comprehensive Insurance

Covers damages to your vehicle due to factors that are out of your control such as:
  • Windshield coverage
  • Animal accidents
  • Hail damage
  • Fire damage
  • Stolen vehicle
  • Vandalism
  • Flood damage

Personal Injury Protection

Covers expenses for you and your passengers if they are injured in an accident, regardless if you are at fault.

Full Coverage Insurance

Insurance that has all the key components of car insurance including: Bodily Injury, Property Damage, Uninsured Motorist, PIP, Collision and Comprehensive.

What is an SR-22 and do I need it?

An SR-22 form is a Certificate of Financial Responsibility required by the state and provided by the insurace company, proving that you have a car insurance that meets the minimum requirements. 
Who needs an SR-22 Form
Regulations vary from state to state, but generally required by the court or state if you have had certain driving violations such as: 
  • Driving without a valid license
  • Have had a previous DUI or DWI
  • Driving with less than minimum required insurance
  • Have a Hardship/restricted license
  • Not paying court ordered child support


Price you are charged for by the insurance company

Collision vs Comprehensive Insurance

Comprehensive insurance pays for damages due to factors that are beyond your control. Collision insurance pays for damages due to accidents


Residual Medical Payments

Pays for medical expenses for you and your passengers in case of an accident, regardless if you are at fault.

GAP insurance

In case your vehicle is financed, this coverage helps protect your car from depreciation by covering the difference between what is the current worth of your car and the amount you owe on it.


Fault in accident caused by inattention or carelessness

Factors that affect insurance rates


For people who are 25 or younger, insurance is typically higher as there is a greater risk of accidents

Marital Status

Marital status is seen to be correlated with responsibility and likelihood of accident. Married couples are less likely to get involved in accidents.

Credit-based Insurance Scores

In some states, insurance companies use your credit history to help determine your risk profile. A clean credit history usually lower insurance cost. 

In California, credit-bases insurance scores are not used.

Deductible Limit

A car insurance deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Higher deductibles reduce insurance quote as you will be paying more of your own money before the coverage is applied.

Type of Coverage

Choosing only the required coverage will lower the insurance quote as you will be taking more risk. The more coverage you add, the higher the insurance quote.


Your address and ZIP code are used to determine whether your neighborhood is dangerous, known for having a high number of auto-thefts etc.

Profession and Education

Accidents have found to be correlated with certain job occupations or education levels. Insurance companies use this information to help determine your risk profile and if you can qualify for student discount rates

Coverage limit

The lower the coverage limit, the cheaper the insurance quote as you will be taking more risk

Driving History & Experience

Insurance companies see your driving history and experience as an indicator of how safely you drive

Annual Mileage & Usage

The more miles you drive, the more likely you are to get involved in an accident, hence the more expensive the insurance. 

Type of car

Some models have higher or lower repair costs that can affect the insurance quote.


What do I need to get a quote from Sigo?

We can find an insurance partner for most customers regardless of what license you have.  All you need is to be located in California!

How much does this cost?
Our service is free of charge 🙂 You just pay the insurance premium
How does Sigo work?
Sigo calculates the best quote for your car insurance at a fair price
We gather your information and connect you to reliable insurance providers, guaranteeing you the best quote
Which insurance providers do you work with?
  • Aspire General
  • Clearcover
  • Grange Insurance
  • Safeco
  • Travelers
  • Metlife
How do we protect your information?
We care about our customers, at Sigo we:
  1. Do not store your payment information in our system
  2. Do not share your personal information
  3. Protect you from fraud and people who try to rip you off.

Have more questions? Contact us below!