Auto Insurance (also known as car insurance, or motor vehicle insurance) is insurance purchased for cars, trucks, and other licensed for road use vehicles. Its primary purpose is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. The specific terms of insurance varies with legal regulations in each state. Auto insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions, for example -vandalism, animals in the roadway, etc.
Here at Quest we will help you determine the best limits of liability for your protection, and explain the difference in coverage and deductibles offered. We work with many carriers such as Progressive, Hartford, Travelers, Selective and more to offer competitive rates for Northern VA, Maryland and DC including the areas of Centreville, Chantilly, South Riding, Ashburn, Leesburg, Fairfax, Alexandria, Manassas, Arlington, and Haymarket.
Insurance premiums are based on many factors, including credit, vehicle information, driving history, zip codes, and continuity of insurance to name a few. It is unrealistic to expect identical premiums with so many variable factors.
The key factors are:
– Coverage amounts and deductibles
– Type of vehicle
– Driving record
– Age, sex, and marital status
– Where you live
– Vehicle use
– Credit history
Common types of payment options include: Phone payment, Online payment, via mobile apps, automatic payment (billpay or ACH). The preferred option of payment is ACH for which some carriers provide premium credit. This method will ensure that the policy does not lapse.
Do you own your Home? Have you done any remodeling? When was your roof last repaired? These are some of the questions needed to assess your policy coverage.
Having a teenage driver can be a scary experience … We will help you purchase policies that will be tailored to your unique circumstances.
Did you know that some coverage may be restricted or different from your Homeowners policy? Let us help you review your policy and make sure there aren’t any gaps in coverage.
This is a commonly overlooked coverage that is very necessary to cover a renters best interest. Personal belongings are the responsibility of the Renter- not the landlord! Renter policies will also provide Liability coverage if a guest is injured while visiting you.
Your contractor isn’t the only one on the line while your property is being renovated or built onto.
Don’t lose assets that you have worked hard for to obtain! You may purchase an additional layer of coverage for a nominal cost considering the benefit.
Yes- boats and RV’s need insurance too, if you can drive it, best practice is to insure it! Boat and RV policies will also protect your belongings from theft, vandalism, and can even be towed if needed!
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