Auto Insurance

In most cases, an at-fault accident or moving violation will increase your premium for 3–5 years, depending on the carrier and severity. A DUI can increase rates 50–100% or more, and some carriers won’t write a new policy with a DUI in the past 3–5 years. The advantage of working with an independent agency: because we represent multiple

Most personal auto policies extend coverage to any vehicle you drive with the owner’s permission, including rental cars — but with limits: Liability typically follows you, so you have coverage for damage you cause. Collision and comprehensive on the borrowed vehicle generally only apply if you carry those on at least one vehicle on your own policy. Your limits are the

Because we’re independent and represent multiple A-rated carriers, we compare available discounts across companies — and which combinations produce the lowest total premium varies by driver and vehicle. Common auto discounts include: Multi-policy bundle (home + auto, condo + auto, renters + auto): typically 10–25% Multi-vehicle: 10–20% for two or more cars on the same policy Safe driver / claims-free: rewards 3–5+

Yes - in all three jurisdictions, uninsured motorist (UM) coverage is required by law at the same limits as your liability coverage, and underinsured motorist (UIM) coverage is also required in Maryland and Virginia. Even where it’s required, the legal minimums are usually too low. A serious accident caused by an uninsured driver can leave you covering medical

These are the three main components of an auto policy: Liability pays for injuries and property damage you cause to others. Required in DC, MD, and VA. Collision pays to repair or replace your car after a crash, regardless of fault. Optional, but usually required if you have a car loan or lease. Comprehensive covers non-collision damage — theft, vandalism, fire,

Each jurisdiction sets its own minimum liability limits, and they differ in important ways: Washington, DC: Liability of 25/50/10 ($25,000 bodily injury per person / $50,000 per accident / $10,000 property damage), uninsured motorist coverage at the same limits, and $5,000 personal injury protection (PIP). Maryland: Liability of 30/60/15, uninsured/underinsured motorist coverage at the same limits, and $2,500 minimum PIP (can