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Auto Insurance

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

Protect the value of one of your largest investments by insuring it adequately. Auto insurance can provide:

  • Vehicle Protection: Helps replace or repair your vehicle in the event of an accident.
  • Asset Protection: Covers you against liability claims even when you are driving a rental or borrowed vehicle.

Why choose McLean Insurance for your Auto Insurance Needs?

  • Personalized Service – You will be treated as family and not a number. Plus, we are local, active in the community and have a good understanding of auto insurance needs in the area.
  • Trusted Advice – Licensed insurance agents with over 50 years of combined experience work closely with you to determine needs, discuss the right type of coverage for you and help ensure that you won’t end up being under or over insured.
  • Save Money – We will shop multiple providers to find the best rate for you
  • Save Time – Our experts will do all the work so you don’t have to waste time researching and understanding complex insurance jargon

Already have auto insurance but wondering if you have enough or if you can save some money? Call us at 703-790-5770 to discuss your specific situation or request an auto insurance quote online.

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) caused due to an accident with another vehicle 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 Coverage

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

Underinsured Motor Vehicle Coverage

Underinsured coverage serves as liability coverage for you when you are in an accident caused by another driver that is underinsured. This type of coverage is especially important because statistics state that as many as 30% of motorists on the road maybe underinsured.

Medical Payments Coverage

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).

Emergency Road Side Assistance Coverage

Emergency Roadside Assistance coverage pays for cost of renting a replacement vehicle while your vehicle is being repaired at a shop after an accident. This type of coverage can be particularly important if you primarily rely on your vehicle for transit.

Request an auto insurance quote


Helpful Tips To Keep You Driving Safely

Winter Driving Conditions

 

 

 

   

       

 

      How To Weather Winter Driving Conditions


Frequently Asked Questions

How much auto liability insurance coverage do I need?

A  As previously mentioned, each state sets it 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. Back to Top

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. Back to Top

What types of vehicle damage is covered by comprehensive insurance?

A Damaged caused by hail, wind, fire, theft, flood, vandalism is all covered by comprehensive insurance. Back to Top

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. Back to Top

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. Back to Top

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. Back to Top

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. Back to Top

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. Back to Top