Auto Insurance
Car Insurance for Virginia Drivers — Coverage That Makes Sense
Whether you’re commuting on I-64, running errands around Richmond, or taking a weekend trip to the Blue Ridge, you need car insurance that’s built for real life. We help Virginia drivers get the right coverage without overpaying — and we make it easy to understand what you’re getting.
What Auto Insurance Covers
Auto insurance isn’t one-size-fits-all. We’ll help you build a policy that protects what matters and meets Virginia’s legal requirements.
Liability Coverage
Covers injuries or property damage you cause to someone else. Required by Virginia law.
Collision Coverage
Helps pay for repairs if your vehicle is damaged in a crash, no matter who’s at fault.
Comprehensive Coverage
Covers non-collision events like theft, fire, hail, or hitting a deer — which happens more than you’d think in places like Goochland or Powhatan.
Uninsured/
Underinsured Motorist Coverage
Protects you if you’re hit by someone with little or no insurance. Virginia lets drivers skip coverage by paying a fee — which means this is more important here than in other states.
Medical Payments (MedPay)
Covers medical expenses for you and your passengers after an accident, no matter who was at fault.
Who We Help
We work with all kinds of drivers across Virginia — from new drivers getting their first policy to experienced homeowners looking to bundle auto & home for a better rate. Whether you live in Richmond, Midlothian, Mechanicsville, or anywhere else in the state, we’ll walk you through your options.
Why It Pays to Work With an Independent Agent
Big companies advertise low prices, but they won’t always explain what you’re giving up to get there. As independent agents, we work with multiple carriers and can break down the tradeoffs between price and protection. You’ll get honest advice — and we’ll always tell you what we’d choose if we were in your shoes.
Common Add-Ons & Extras
Depending on your needs, we can help with:
Rental reimbursement
Roadside assistance
State Filings (if needed)
If you’re not sure what any of that means, don’t worry — we’ll explain it before you buy anything.
Bundle & Save
Homeowners, condo owners, and renters can often save by bundling auto insurance with property coverage. Ask us to compare bundled rates — we’ll check to see what makes the most sense for your situation.
Let’s Talk Car Insurance
Whether you need a new policy, want to review your current one, or just have a question, we’re here. Call us or request a quote today.