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Auto Insurance

Wondering which auto insurance plan is the best and most affordable for you? Mclean Insurance advisors can help!

Auto insurance can provide:

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Vehicle Protection – Helps replace or repair your vehicle in the event of an accident.

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Asset Protection – Covers you against liability claims even when you are driving a rental or borrowed vehicle.

5 Types of Auto Insurance Coverage

Liability Insurance

Property and bodily damages caused by you to others are paid through liability coverage. Examples of covered items include lost wages, hospital bills along with other medical expenses, property damage and/or loss and pain & suffering. Liability insurance also pays for court costs and defense costs in case of a lawsuit.

Collision Insurance

Collision insurance covers damage to a vehicle (less the deductible) or a vehicle you have rented that is caused when you collide with another car or object.

Comprehensive Insurance

Comprehensive insurance covers damage to a vehicle from fire, theft, floods, storms, or collision with birds or animals. Although not required by all states, comprehensive insurance can be required by a lending agency or bank if the vehicle is leased or financed. McLean Insurance advisers can also help you attain replacement cost coverage on newer vehicles – as little as 1 year old. This coverage is available for an added price but may be important for individuals with higher end vehicles. It is important to remember that companies like GEICO simply don’t offer such an option!

Uninsured Motorist

Unfortunately, there is a group of motorists on the road everyday that is uninsured or under insured. If you were in an accident with such a driver and injured or the vehicle you were driving was damaged then uninsured motorist coverage will provide coverage.

 

Med Pay

Medical coverage pays medical charges for all the passengers traveling in your vehicle (including yourself) that are involved in an accident. For details on which drivers should consider this insurance, please read our blog on medical coverage insurance (Medpay).

Stated Value V. The Agreed Value.

For over 45 years, McLean Insurance has combined our resources as a full-service independent insurance agency with our unsurpassed expertise in risk reduction, business best practices and personal wealth management to help our clients build brighter, more secure futures. How can we help you?

Why Choose McLean Insurance
For Your Auto Insurance?

Our Customers Love Us

My daughter got rear ended. Debbie couldn’t have been nicer and more professional, she even called me! It doesn’t get any better. Phenomenal. I always knew McLean Insurance had great agents, you can never be reminded of it too much.

Mark Carroll

Deb Cutler has been outstanding with her assistance and recommendations to get us adequately covered for both our homes, automobiles and liability coverages. Prior to meeting Deb, our experience with acquiring/reviewing/updating our coverage was a huge hassle for us. We never really felt satisfied with the other provider and worried... Show All

Deb Cutler has been outstanding with her assistance and recommendations to get us adequately covered for both our homes, automobiles and liability coverages. Prior to meeting Deb, our experience with acquiring/reviewing/updating our coverage was a huge hassle for us. We never really felt satisfied with the other provider and worried about our coverages in the event of the unknown happens to us. However, that all changed once we met Deb Cutler, she was patient, attentive to our needs/concerns and in the end we now possess a sense of security that we are covered for any events. Working with Deb through Mclean was a very positive experience for us. Thank you.

Mark Patzschke and Richard Newton

We have been clients for many years. Over those years we have had many changing insurance needs. Through it all one thing has been completely consistently reliable, that our agent would simply take care of whatever we needed. As I recently told her, I wish every time I needed help... Show All

We have been clients for many years. Over those years we have had many changing insurance needs. Through it all one thing has been completely consistently reliable, that our agent would simply take care of whatever we needed. As I recently told her, I wish every time I needed help with something in life that I could just call PJ Baker!

Robin W
Feb 14, 2017

Great And Thorough Experience - Working with Debbie Cutler has been great, she sent me very thorough information about my policy and had a good suggestion for saving money; soon afterwards when I had an extra question, she provided a thorough answer right away.Great experience altogether. Mary Carpenter

Mary Carpenter
Nov 23, 2016

Debbie & PJ - The ladies rock. Smooth transition from selling one car and buying another as always. They keep us as happy customers, even when doing everything remotely.

David Paper
Aug 23, 2016

Annual - Outstanding service from Debbie, she emailed me when the conference call wouldn't coordinate, reviewed all polices, made comments / recommendations, succinct, spot on, easy, I replied, everything, auto, home, umbrella is all in sync and process was painless.

Mark Carroll
Jul 15, 2016

Debra was friendly, efficient, helpful and knowledgeable.

Nick Farmer
Feb 17, 2016

P J Baker - Mrs. Baker is always on top of all issues and provides an excellent customer service by McLean Insurance Agency

Hugo J Scotti
Jan 29, 2016

Excellent Service - I recently had some pressing questions with my home and auto insurance and Debbie Cutler helped me tremendously. A quick and thorough response and all the issues were solved. Excellent service & professionalism!

James Crutchfield
Jan 29, 2016

I'd like to give a special shout out to Debbie Cutler who has been so helpful to our family on multiple occasions. In the last couple of years my son has moved from Connecticut to Minnesota to London and now to New York. Debbie has been great in keeping his... Show All

I'd like to give a special shout out to Debbie Cutler who has been so helpful to our family on multiple occasions. In the last couple of years my son has moved from Connecticut to Minnesota to London and now to New York. Debbie has been great in keeping his insurance and him up to date.She's efficient, professional, responsive, and very personable. I give her a big thumbs up!

Ibby Jeppson
Jan 11, 2016

Great Customer Service - Mrs Baker has been diligent in finding out better rates and in answering all my questions. I am very pleased with her efficiency and service

Hugo Scotti
Jul 17, 2015

McLean Insurance Is The Best Of The Best! - I've dealt with a few insurance agencies over the years, but none of them compare to the excellent customer service and responsiveness that McLean Insurance provides. I've gotten my entire extended family to insure through the agency and recommend it to... Show All

McLean Insurance Is The Best Of The Best! - I've dealt with a few insurance agencies over the years, but none of them compare to the excellent customer service and responsiveness that McLean Insurance provides. I've gotten my entire extended family to insure through the agency and recommend it to all my friends. Of particular note is the extra effort that is put into obtaining the most comprehensive coverage for the most affordable premium when it comes to property and casualty insurance. Kudos to Doug Megill, the second generation of this family owned business.

Peter C.
May 8, 2015

Home & Auto Insurance - I wrote earlier that I was very pleased with PJ's delivery, explaination & knowledge shared! I am also pleased with the savings I will be awarded with after so many years with McLean Ins. Thank you much! ES

Edwania S.
May 8, 2015

All My Insurance - nice job - felt like they were trying to save me money and went through everything trying to find ways to cut things back.

Westy
May 5, 2015

Prompt & Affordable - Young Kim at Mclean Insurance Agency is a very professional, knowledgeable and punctual business person. We have received prompt responses from Young for all our inquiries and concerns! Young is sure to give you the correct information about each company competing for your insurance business from... Show All

Prompt & Affordable - Young Kim at Mclean Insurance Agency is a very professional, knowledgeable and punctual business person. We have received prompt responses from Young for all our inquiries and concerns! Young is sure to give you the correct information about each company competing for your insurance business from economic stability to affordability. We have used Young Kim for both personal and business related and have never been disappointed with the value or the quality of the products or services offered. You can’t go wrong with Mclean Insurance Agency. I highly recommend them.

In Guan H.
Apr 20, 2015

By far the best insurance company we have ever worked with. Tom, our go to guy, is totally helpful and responsive to our needs. Five stars without question.

Peter C.
Apr 14, 2015

Most of us would not consider a car accident a great experience. But Deb Cutler, McLean Insurance and my Chubb policy have been caring, polite, helpful at every turn and totally responsive. I could not ask for better service. Thanks!

Steve G.
Feb 12, 2015

Continuing Excellence - This is my 19th year with McLean Insurance. Tom Boswell and Debbie Cutler have been mainstays in supporting our insurance needs in DC and California and their dedication to excellence has benefited us with great products at value pricing.

Stephen S.
Dec 30, 2014

A+ Service - I did an account review with Debra C. earlier this week and, from beginning to end, everything was handled to my utmost satisfaction. Debra is knowledgeable, helpful, and looks out for her customers' interests and concerns. A++. Thanks.

Michael B
Dec 30, 2014

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Insurance Carriers We Represent

FAQ

Q: How much auto liability insurance coverage do I need?

A: As previously mentioned, each state sets its own minimum coverage level for liability insurance. However, the minimum coverage may not be enough, especially in the DC metro area where high-end vehicles are very common.  This is why we highly recommend discussing your ability to afford damages greater than your coverage limits with our auto insurance expert prior to making a final decision.

Q: How much auto liability insurance does my state require?

A: Since most states require motorists to have a minimum liability insurance, we recommend that you consult with a Mclean Insurance expert or visit Department of Motor Vehicle’s website to learn how much auto liability insurance is required in your state.

Q: What types of vehicle damage is covered by comprehensive insurance?

A: Damage caused by hail, wind, fire, theft, flood, and vandalism are all covered by comprehensive insurance.

Q: What are the advantages of using an Independent Agent v. finding insurance on my own?

A: There are several advantages of using an independent insurance agent. For starters, we have access to multiple carriers. This allows us to ensure that you are afforded the best coverage at a competitive price. We can also save you time and hassle of shopping multiple carriers. Most of all, our knowledgeable advisors look out for your best interest and can offer guidance on important topics that may not be familiar to you.

Q: How can I lower my premiums?

A: Increasing your deductible is one way to lower your premium. Please remember that doing so will increase your out of pocket expense in case of an auto accident. Many insurance companies also offer reduction in premiums for being a good driver. Therefore, driving carefully can ensure lower premiums. Also, bundling your coverage to include your homeowners and auto insurance policy with the same carrier can significantly lower premiums.

Q: In the event of a loss, can my coverage be dropped?

A: Generally, an insurance carrier will not drop you after one loss, however, in case of frequent losses, your coverage could be jeopardized.  As a Trusted Advisor, we will help you to navigate the claims arena.

Q: What deductible should I carry?

A: The purpose of insurance is to protect you from economic ruin in the event of a catastrophic loss.  With that said, the deductible is the amount of out of pocket expense you will have when filing a claim.  The larger the deductible, the lower your premium, but you must be able to financially absorb that portion of the loss if you need to file a claim.

Q: Are there any advantages to bundling my coverage?

A: Yes! Mclean Insurance works with many insurance carriers that offer a large discount when they cover multiple policies. This is especially true for bundling homeowners and automobile coverage. Also, bundling allows the Mclean Insurance team to fully understand and assess your coverage needs so we can create a personalized coverage back that completely covers your exposures, while maximizing all available discounts.

Q: Why do I need more than the state minimum bodily injury and property damage coverage?

A: State minimum limits will most likely not provide enough protection in the event you are sued as a result of a lawsuit filed due to an auto accident. The state minimums will probably not protect you in the event something terrible happens.

Q: Does my auto insurance policy provide coverage when I rent a car?

A: Your auto insurance policy will provide rental car coverage, to the fullest extent that your policy has coveage. If you have comprehensive and collision, then this will be provided to a rental car. If you do not have comprehensive and collision, then be sure to purchase coverage from the rental car company.

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