Auto Insurance

Insuring: Lexington, Staunton, Covington, Buena Vista, Waynesboro, Clifton Forge, Warm Springs, Hot Springs, Rockbridge, Augusta, Alleghany and Bath Counties, Virginia.

For over 50 years, Huffman Insurance Agencies has provided residents of the Shenandoah Valley and the Alleghany Highlands with top-of-the-line insurance services. Our friendly, expert agents have a commitment to your long-term stability and financial security, and we will ensure you get satisfactory results for all of your pressing insurance needs.

Every Virginia driver needs car insurance, and our goal is to help you get the coverage that’s personally tailored to your car and safety needs. Whatever vehicle protection you want, we can help you get it.

How does car insurance work?

Car insurance equals financial assistance. It applies specifically when problems involve drivers and their cars. You buy a policy, and the insurer agrees to pay costs related to certain vehicle problems.

Suppose you have a wreck. Maybe you hit a pole, or worse, another car. You might damage your own vehicle and the property of others. People might get hurt. Repair costs, medical bills, lawsuits and more might be the result. By filing a car insurance claim, you’ll be able to get help covering these costs.

What car insurance coverage is recommended?

If you don’t know exactly what coverage you need, we’re happy to help you familiarize yourself your different coverage options:

Liability Insurance

Also called at-fault coverage, liability insurance pays a third party if you are at-fault for a vehicle accident that harms them. Virginia requires most drivers to carry minimum liability coverage of:

• $25,000 bodily injury liability coverage for one injured party
• $50,000 bodily injury liability coverage for two or more injured parties
• $25,000 property damage liability coverage

You have the option to increase your liability limits to higher levels, which our agency strongly advises to do so. Doing so can provide a better damage settlement for third-party losses, and your out-of-pocket burden might diminish or even vanish.

Physical Damage Coverage

Physical damage coverage helps insured drivers pay to repair their cars following certain damage.

• Collision insurance pays for damage to the car following a wreck.
• Comprehensive coverage pays when the car sustains damage from a hazard other than a wreck. So, vehicle damage from hail, falling branches, fires, theft or vandalism might have coverage.

Policies often pay actual cash value (ACV) for a totaled car. ACV the depreciated cost of the car at the time of the loss. If you want enough money to buy a new car, you might need a replacement cost policy. Also consider buying gap insurance, which can help you pay off vehicle loan following a total loss.

• Uninsured/Underinsured Driver Coverage

If another driver is at-fault for an accident that harms you, you have a right to file against their liability insurance. Still, if they have no liability insurance, your uninsured driver coverage can pay instead. Underinsured coverage pays when the driver has liability coverage, but not enough to cover your losses.

Frequently Asked Car Insurance Questions

How much will my policy cost?

Virginia’s statewide average car insurance policy costs $900/year. However, numerous factors like your age, gender, credit score and driving history can affect premiums. For example, the average 16-year-old pays $4,100/year, while people in their 50s pay an average of $700/year. Huffman Insurance Agencies’ agents are happy to help cost-conscious drivers find the best coverage within their price point.

Does my policy cover roadside assistance?

Many policies offer roadside assistance. The insurer can dispatch a technician to assist you with flat tires, towing, jump starts or gas delivery. Policyholders usually receive many of these services for free.

What do I do if my car is stolen?

More than 9,000 vehicle thefts occurred in Virginia in 2017. The average property loss was more than $8,000 per instance. If you become a victim, immediately call the police. Then, call your insurance agent. They can start a claim for the loss and possibly help you arrange a rental car.

Can car insurance start on the same day I buy?

Many insurers can instantly activate your policy on the same day you buy. However, if you call a few days before you need coverage to start, then your insurer might offer you certain discounts or savings.

If I’m here for college, do I have to buy Virginia coverage?

Most out-of-state student drivers who come to Virginia to attend school can keep their insurance from the other state. However, if you come to Virginia to establish residency, such as if you will work while attending school, you will likely need to apply for a Virginia driver’s license, registration and the respective insurance.

How do I get car insurance?

It’s very easy to get car insurance. All you must do is call Huffman Insurance Agencies at 540-463-7719. We offer guaranteed policy support, and with us, you can always feel secure knowing you can work through all the bells and whistles of policies to settle on the best coverage.

We offer top-rated, nationally-recognized policies for new drivers, high-risk drivers, new Virginia residents and drivers who don’t own vehicles. So, don’t hesitate to call or start an online quote now!