INSURANCE SOLUTIONS IN VIRGINIA, MARYLAND & DC
Car Insurance Quotes in Virginia, Maryland & DC
Compare auto insurance coverage options with Caspi Insurance Agency. Get personalized guidance and find protection that fits your needs and budget.
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Liability Protection
Helps cover injuries and property damage you may cause to others in a covered accident.
Vehicle Protection
Optional coverage can help pay for damage to your vehicle from accidents, theft, and other covered events.
Flexible Coverage
Choose coverage limits and deductibles that fit your needs and budget.
Additional Protection
Explore optional benefits like roadside assistance and rental reimbursement.
Coverage that has you covered.
Choose the protection that’s right for you and your vehicle.
Liability Coverage
Helps cover injuries and property damage you cause to others in an at-fault accident, up to your policy limits.
Collision Coverage
Helps pay to repair or replace your vehicle after a covered collision, regardless of who is at fault, subject to your deductible and policy limits.
Comprehensive Coverage
Helps protect your vehicle against covered non-collision events such as theft, vandalism, fire, hail, and falling objects.
Uninsured Motorist
Provides coverage if you’re injured by a driver with little or no insurance.
Roadside Assistance
Get help when you need it most—towing, jump starts, lockout, and more.
Liability Coverage
Protection when you’re responsible for an accident.
Liability coverage helps pay for injuries or property damage you cause to others in a covered auto accident. It can also help with certain legal costs if a claim or lawsuit results from the accident, subject to your policy limits and terms.
Liability coverage may help protect you if you:
- Cause an accident that injures another person
- Damage another person’s vehicle
- Damage someone else’s property
- Face a covered liability claim or lawsuit
- Need financial protection against eligible accident-related liability costs Mətnləri kopyala
You choose liability coverage limits when purchasing your policy. If you cause a covered accident, your insurer may pay eligible bodily injury and property damage claims up to those limits. You remain responsible for costs that exceed your coverage limits.
Best for
Drivers who want financial protection against claims arising from injuries or property damage they may cause to others. Liability insurance may also be required by state law.
Collision Coverage
Help protect your vehicle after a collision.
Collision coverage helps pay to repair or replace your vehicle if it is damaged in a covered collision with another vehicle or object. Coverage is generally subject to your deductible and policy limits.
Collision coverage may be useful if your vehicle is damaged when you:
- Collide with another vehicle
- Hit a stationary object such as a pole or guardrail
- Are involved in a covered single-vehicle accident
- Need help with repair costs after a collision
- Want added protection for a financed or leased vehicle
You choose a deductible when purchasing the coverage. After a covered collision, you pay the deductible and your insurer may pay eligible repair or replacement costs up to the vehicle’s covered value and policy terms.
Best for
Drivers who want protection for their own vehicle after a collision, especially owners of newer, financed, or leased vehicles.
Comprehensive Coverage
Protection for damage that isn’t caused by a collision.
Comprehensive coverage helps pay to repair or replace your vehicle after certain non-collision events, such as theft, vandalism, fire, falling objects, severe weather, or animal-related damage. Coverage is subject to your deductible, policy limits, and terms.
Comprehensive coverage may help if your vehicle is damaged by:
- Theft or attempted theft
- Vandalism
- Fire or certain natural events
- Falling objects or severe weather
- Contact with an animal
You select a deductible when purchasing comprehensive coverage. If a covered non-collision loss occurs, you pay the deductible and your insurer may pay eligible repair or replacement costs according to the policy terms and covered value of the vehicle.
Best for
Drivers who want broader protection for their vehicle beyond collision-related damage, especially owners of newer, financed, or leased vehicles.
Uninsured Motorist Coverage
Protection when the at-fault driver has little or no insurance.
Uninsured motorist coverage can help protect you and your passengers if you are injured in a covered accident caused by a driver who does not have insurance. Depending on the policy and state requirements, underinsured motorist protection may also help when the at-fault driver’s liability limits are not enough to cover eligible losses.
Uninsured motorist coverage may help if you:
- Are injured by a driver who has no auto insurance
- Are hit by a driver whose insurance limits are too low
- Need help with eligible medical expenses after a covered accident
- Want additional financial protection for you and your passengers
- Are involved in certain covered hit-and-run accidents
If a covered accident is caused by an uninsured or underinsured driver, you may file a claim under your own policy. Eligible benefits, limits, deductibles, and available protections depend on your policy and applicable state law.
Best for
Drivers who want additional protection against the financial risk of being injured by someone who has no insurance or insufficient liability coverage.
Personal Injury Protection
Help with medical and related expenses after an accident.
Personal Injury Protection, often called PIP, can help pay certain medical expenses and other eligible costs for you and your passengers after a covered auto accident, regardless of who was at fault. Available benefits and requirements vary by state and policy.
Personal Injury Protection may help with eligible costs such as:
- Medical treatment after a covered accident
- Hospital and rehabilitation expenses
- Certain lost income benefits
- Essential services you may be unable to perform
- Other covered accident-related expenses
After a covered accident, eligible expenses may be submitted under your own PIP coverage. Benefits, limits, exclusions, and required coverage vary by state and policy terms.
Best for
Drivers who want additional protection for medical and related expenses after an accident, where PIP coverage is available or required.
Roadside Assistance
Extra help when your vehicle leaves you stranded.
Roadside assistance can provide support when your vehicle becomes disabled or you experience certain unexpected problems on the road. Available services, limits, and eligibility depend on the insurer and policy.
Roadside assistance may help if you need:
- Towing after a covered breakdown
- Battery jump-start service
- Help with a flat tire
- Lockout assistance
- Fuel or fluid delivery, subject to policy terms
If you experience a covered roadside emergency, you contact the assistance provider or insurer using the process specified in your policy. Covered services, distance limits, reimbursement rules, and service availability vary by carrier.
Best for
Drivers who want added convenience and support when unexpected roadside problems occur.
More Than Just a Policy
Personalized Coverage
Coverage options tailored to your vehicle, driving needs, and budget.
Multiple Insurance Options
Explore coverage options from multiple insurance providers.
Local Insurance Expertise
Guidance for drivers in Virginia, Maryland, and Washington, DC.
Expert Guidance
Get help understanding your coverage options and choosing the right protection.
SAVE MORE
Discounts That Drive Down Costs
We offer a variety of discounts to help you save on your auto insurance.
- Safe Driver Discount
- Multi-Policy Discount
- Good Student Discount
- Low Mileage Discount
- Military & Veteran Discount
Policy Comparison
See how the right coverage can protect you and your budget.
| Coverage Type | What It Helps Cover |
|---|---|
| Liability Coverage | Injuries and property damage you cause to others in a covered accident. |
| Collision Coverage | Damage to your vehicle after a covered collision. |
| Comprehensive Coverage | Theft, fire, vandalism, hail, and other covered non-collision events. |
| Uninsured / Underinsured Motorist | Eligible losses involving uninsured or underinsured drivers. |
| PIP / Medical Payments | Certain medical expenses and other eligible accident-related costs. |
| Roadside Assistance | Eligible towing, jump-starts, lockout help, and more. |
| Rental Reimbursement | Eligible rental costs following a covered loss. |
Coverage availability, requirements, limits, deductibles, and exclusions vary by insurer, policy, and state.
Request Your Free Quote →HOW IT WORKS
1
Request a Quote
Tell us a few details so we can understand your needs.
2
Compare Options
We’ll shop top carriers to find the best coverage for you.
3
Get Covered
Choose your plan and enjoy peace of mind on the road.
Common Questions About Auto Insurance
What are the minimum car insurance requirements in Virginia?
For auto insurance policies effective on or after January 1, 2025, Virginia requires minimum liability limits of $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. These are minimum legal limits, not necessarily the amount of coverage that is right for every driver. Learn more about Virginia car insurance requirements before choosing your coverage.
What is the difference between liability insurance and full coverage?
Liability coverage helps pay for injuries or property damage you cause to others in a covered accident. “Full coverage” is not a specific policy type; it commonly refers to a combination of liability, collision coverage, and comprehensive coverage, and may include other protections depending on the policy. The right combination depends on your vehicle, financial situation, lender requirements, and the risks you want to protect against.
What factors affect my car insurance rate?
Car insurance rates can be influenced by factors such as your driving history, vehicle, location, age and driving experience, selected coverage limits, deductibles, annual mileage, household drivers, and carrier underwriting rules. Because insurers evaluate risk differently, it can be useful to compare available auto insurance options before choosing a policy.
How much car insurance coverage do I need?
The right amount of car insurance depends on more than the Virginia minimum insurance requirements. Consider the value of your vehicle, your assets and financial exposure, how much you could afford to pay after an accident, whether your vehicle is financed or leased, and the level of protection you want. Caspi Insurance Agency can help you compare coverage options based on your individual situation.
How does an auto insurance deductible work?
A deductible is the amount you generally agree to pay toward a covered claim before applicable insurance benefits pay the remaining eligible cost. Collision and comprehensive coverage commonly include deductibles. A higher deductible may reduce your premium, but it also means you may have to pay more out of pocket after a covered loss. Learn more about how auto insurance deductibles work before selecting your deductible.
How can I get a car insurance quote from Caspi Insurance Agency?
You can request a free auto insurance quote by providing basic information about yourself, your vehicle, drivers in your household, ZIP code, and coverage needs. Caspi Insurance Agency can review available options from multiple carriers and help you compare coverage, deductibles, and pricing before you choose a policy.
Ready to Find the Right Car Insurance?
Compare coverage options in Virginia, Maryland, and Washington, DC with guidance from Caspi Insurance Agency.