INSURANCE SOLUTIONS IN VIRGINIA, MARYLAND & DC
Insurance Coverage Built Around You
CASPI helps individuals, families, and businesses find the right insurance coverage from trusted carriers. Get the protection you need with the service you deserve.
Local Experts
Serving VA, MD & DC
5-Star Service
Trusted by our clients
Dedicated Support
Here when you need us
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Preventive Care
Covers routine exams, cleanings, and other preventive services.
Wide Network Access
Choose from a large network of trusted dentists.
Flexible Coverage
Plans that fit your needs and your budget.
Expert Guidance
We’ll help you find the right plan with no confusion.
Coverage that has you covered.
Choose the protection that’s right for you and your vehicle.
Collision Coverage
Helps pay for damage to your vehicle after a collision with another car or object.
Comprehensive Coverage
Protects against theft, vandalism, fire, weather damage, and other non-collision events.
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
- Need protection against potentially significant out-of-pocket expenses
- Get substantial coverage at a generally lower initial cost than permanent life insurance
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
Local Expertise
We know the roads, the laws, and the unique needs of drivers in VA, MD & DC.
Personalized Service
We take the time to understand your needs and find the right coverage at the right price.
Trusted Partnerships
We work with top-rated insurance carriers to deliver you the best options and value.
5-Star Service
Our clients trust us for responsive communication and long-term relationships.
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
See All Discounts →
Policy Comparison
See how the right coverage can protect you and your budget.
| Coverage | Basic | Most Popular Standard | Premium |
|---|---|---|---|
| Liability Coverage | ✓ | ✓ | ✓ |
| Collision Coverage | — | ✓ | ✓ |
| Comprehensive Coverage | — | ✓ | ✓ |
| Uninsured Motorist | ✓ | ✓ | ✓ |
| Roadside Assistance | — | ✓ | ✓ |
| Rental Reimbursement | — | ✓ | ✓ |
| Best For |
Essential Protection |
Balanced Coverage |
Maximum Protection |
Basic
Essential Protection
Standard
Balanced Coverage
Premium
Maximum Protection
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.
Need help finding the right auto insurance?
Our local experts are here to help you find coverage that fits your needs and budget.
