Auto Insurance in Virginia & Maryland

Beacon

Auto Insurance

What Is It?
Who Needs It?
Coverages Offered

Car insurance is generally for personal vehicles that are driven on roads. Other types of insurance may be needed to insure commercial trucks, off-road vehicles, tractors or other specialized vehicles.

It’s often wise to have protection beyond what the state laws require, as the minimum coverages may not be sufficient if there’s a major accident.

Bodily Injury Liability Coverage: May cover injuries to people not in the insured vehicle

Medical Payments Coverage: May cover medical costs incurred by people in the vehicle

Property Damage Liability Coverage: May cover damage to other parties’ property

Collision Coverage: May cover damage to the vehicle that occurs in an accident

Comprehensive Coverage: May cover damage to the vehicle that occurs in a non-accident incident

Uninsured and Underinsured Motorist Coverage: May cover accidents caused by uninsured drivers

Beacon Insurance Group is Here to Help

For decades, Beacon Insurance Group has been providing quality and affordable insurance coverage to the good people of Virginia and Maryland. Our team has carefully handpicked reputable insurance companies that we are confident can provide you with the security and peace of mind that you deserve.

Whether you are a business owner or looking for protection in your everyday personal life, we know that you don’t have the time to worry about your insurance programs. That’s what we are here for. At Beacon Insurance Group, we do the digging to find you the best possible coverage at the best possible price.

It’s incredibly important to us that we continually provide you with expertise and that personal touch that you are looking for when it comes to finding high-quality auto insurance.

Fill out the form to get in touch with a specialized auto insurance agent and we will get you the superior customer service that you deserve!

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What is Car Insurance?

Owning a car comes with certain risks, for thousands of accidents occur throughout the country each day. Car insurance won’t stop an accident from happening, but insurance could offer drivers in Virginia and Maryland financial protection in the event of one.

Who in Virginia & Maryland Needs Auto Insurance?

Both Virginia and Maryland have laws that generally require drivers to carry minimum levels of auto insurance. It’s often wise to have protection beyond what the state laws require, as the minimum coverages may not be sufficient if there’s a major accident.

What Coverages Does Auto Insurance Come WIth?

Auto insurance policies are usually written as package policies so that they can protect against several risks. Some of the more common coverages that might be bundled together within a policy are:

- Bodily Injury Liability Coverage: May cover injuries to people not in the insured vehicle
- Medical Payments Coverage: May cover medical costs incurred by people in the vehicle
- Property Damage Liability Coverage: May cover damage to other parties’ property
- Collision Coverage: May cover damage to the vehicle that occurs in an accident
- Comprehensive Coverage: May cover damage to the vehicle that occurs in a non-accident incident
- Uninsured and Underinsured Motorist Coverage: May cover accidents caused by uninsured drivers
Drivers may also want rental car reimbursement coverage or gap coverage, the latter of which is often required if a vehicle is leased or financed. An insurance agent who specializes in auto policies can help drivers get all of the coverages they need.

How Can Virginia & Maryland Drivers Get Car Insurance?

For help finding car insurance in Virginia or Maryland, get in touch with the independent insurance agents of Beacon Insurance Group. Our agents have helped many drivers find insurance, and we’re ready to assist you.

What are the Advantages of Working with an Independent Agent like Beacon Insurance Group?

This is a question that we hear all the time – and that’s okay! – because we know that the insurance world can be confusing. That’s why we are here to help you.

Securing your insurance through an independent agent rather than buying straight from an insurance company is similar to hiring a lawyer before going to court, rather than defending yourself. Just like lawyers, independent agents have the knowledge of the entire industry with attention to important, cost-saving details that only come with years of experience.

But, UNLIKE lawyers, going through an independent agent not only comes with no extra charge, but it can often SAVE you money by being able to shop your needs to many different insurance companies, and also by ensuring that you are only being covered for what you need.

Independent agents are your helping hand in your journey through the overwhelming insurance world. We are real human beings that are equipped with the knowledge, expertise, and friendliness to help make your life easier, especially in tough times. We recommend you submit a form on this page to talk to one of our agents for free – at your convenience!