Everything you need in auto insurance.
Aside from your home, in most cases, your vehicle is one of your largest investments. Our team is here to help you protect your invested property. Our auto insurance options allow you to have a peace of mind when you or a loved one is driving.
Insurance for wherever the road takes you.
During the very first consultation, our licensed agents will listen to your needs and concerns to find the insurance policy that is right for you and your family. We offer comprehensive automotive insurance for cars, trucks, SUVs, and motorcycles. We understand that accidents are unpredictable, which is why we make sure you're properly covered.
Custom insurance plans
with great benefits.
Auto insurance is not a "one-size-fits-all" product. In addition to personalized plans tailored to your particular needs, we also offer the following.
We're not an anonymous online insurance agency - we're Richmond area natives here to help protect the assets of our neighbors and their loved ones.
We specialize in tailored insurance policies that protect our clients and their families. As an independent agency, we are able to do the "shopping around" for you to find the best coverage at the most competitive rate.
Our agents are licensed and go through rigorous training. Our office has a combined total of 110 years experience in the insurance industry. You can trust that you're in good hands with us.
Founded in 1989, we've been serving the Greater Richmond area (and beyond!) with compassion and expertise for more than 30 years.
Annual reviews are crucial to preventing vulnerabilities in your policy. We'll ask you about any property changes or other needs so you can rest assured your assets are properly protected.
Even though you file your claims with the insurance carrier directly, we're here to guide you through every step of the process and fight on your behalf if it comes to that.
What does auto insurance cover?
We will tailor your auto policy based on your specific needs, but here are some of the most common coverages that come with auto insurance.
Property damage coverage will repair damage you cause to another person's vehicle or property. It typically the cost of repairs if you are at fault for an accident.
Coverage
Collision insurance pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree.
This covers medical expenses, as well as lost wages, child care, funeral costs and other losses due to an accident, regardless of fault.
Many states (including VA) require driver to have uninsured motorist coverage. This covers repair and medical costs after an accident with an uninsured driver.
Your questions answered.
Here are some of our most frequently asked questions regarding auto insurance policies.
If you currently have auto insurance for another vehicle, in most cases you'll be covered for a period of time after you purchase a new car. Many dealerships require proof of insurance before you can drive it off the lot. Be sure to contact your insurance agent as soon as possible to let them know that you purchased another vehicle.
If you are purchasing your first car and you don’t have insurance yet, you will need to get insurance before you drive it off the lot.
Even though you don't own the vehicle, most likely you'll be required to obtain auto insurance before you can drive the car off the lot. Often times lease contracts will list specific insurance requirements like collision and comprehensive coverage. You can obtain insurance for leased vehicle with us.
There are many ways to take advantage of auto insurance discounts. If you're active duty military or a veteran, you may qualify for up to a 15% discount. If you're a safe driver, you can opt in to programs such as Nationwide SmartRide that will give you discounts. It's always a good idea to ask your agent if you might qualify for any discounts.
There are many options for auto insurance, but your coverage needs depend on your specific situation. When you speak with your agent about getting auto insurance, they'll ask questions to help define what coverages you need, and also which ones you don't.
Depending on if you have accident forgiveness on your policy, your premium may or may not go up after an accident. How much it increases is always up to the insurance carrier, and is also dependent on the severity of the accident. Keep in mind that accident forgiveness does not cover some situations, such as a DUI or DWI.
A permissive user has your permission to use your car. Typically, you'll be asked about the other people in your household when you apply for car insurance. Some insurance companies consider all members of your household to permissive users with permission to drive your car at any time. Other insurers require drivers to be listed by name on your policy in order for them to be counted as a permissive user.
In general, anyone who doesn't have your permission to drive the vehicle will not be covered in the event of an accident.
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