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Coverage for your four, and more, wheels

Your vehicle gives you freedom — to make a life, as well as a living. Whether it’s brand new or classic, personal or commercial use, we offer a range of coverage options. Your local agent can help you customize your policy with additional features like accident forgiveness and take advantage of money-saving discounts.


Additional Coverage

Customize your auto insurance policy.

Roadside Assistance Plus

Roadside Assistance Plus

Nationwide toll-free access for towing coverage applies to all drivers and vehicles listed on the auto policy for $15 per year.

Accident Forgiveness Plus

Accident Forgiveness Plus

Forgiveness for your first accident and other features like key replacement coverage. *certain restrictions apply

Plus One Car Replacement

Plus One Car Replacement

Coverage for a total loss to your vehicle. Replacing your car with the same make, model, & equipment of a vehicle one “model year” newer. *certain restrictions apply

SmartWheel Drive

SmartWheel Drive

Save up to 15% on your auto premium by commuting with a SmartWheel Drive telematics device installed.

Coverage & Discounts Available

Liability coveragemoreless

Liability provides coverage for injury and/or property damage to others in the event you or a family member are legally responsible for an auto accident.

Other Than Collision (Comprehensive) Coveragemoreless

Collision insures your vehicle in the case of a covered accident. Other Than Collision (Comprehensive) coverage insures against all other physical damage to your vehicle caused by a covered event such as fire, theft, flood, vandalism.

Rental Reimbursement Coveragemoreless

Covers rental charges should your vehicle become unusable due to a covered comprehensive or collision loss.

Medical Coveragemoreless

Medical provides coverage for injury to you, family members who live with you, and passengers in your vehicle for medical expenses resulting from an auto accident, regardless of fault.

Multi-Policy Discountmoreless

15% discount when you bundle your auto and property policy with us.

SmartWheelDrive Discount*moreless

Safe driving discount up to 15% (save 5% when you plug-in the onboard diagnostic device in your vehicle) register and download the SmartWheel Drive app to monitor your driving. *certain restrictions apply

New Family Discount*moreless

Save 15% on your VA auto policy. Discount applies to policyholders with children under the age of 6. *certain restrictions apply

Pay Plan Discountmoreless

Sign up for no-fee monthly EFT pay plan to enjoy premium discounts based on how you pay:

7% for paying annually

5% for paying semiannually

3% for paying quarterly.

Advance Quote Discountmoreless

Save 7% when you quote your auto with us 7 or more days prior to renewal of your current policy.

Good Student Discountmoreless

Save 10% for student operators 16 years or older without accidents or violations, PLUS reduced premium for high school and college students with a GPA of 3.0 or higher.

Loyalty Customer Discountmoreless

Earn 1% discount each year an auto policy renews up to 10% (with Continuous Coverage Discount)

Continuous Coverage Discountmoreless

3% discount applies for 3 or more years of loyalty to your prior carrier, up to 10% (works in conjunction with Loyal Customer Discount)

Safety Creditsmoreless

The latest model-year vehicles are equipped with multiple safety features. Ask your agent which safety credits apply.

Some restrictions apply. Discounts are subject to account eligibility. Services and products are subject to geographic availability. Not all policies and discounts are available in all states.