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Enjoy the ride and feel confident that you’re protected.

Think of your auto insurance as an invisible shield. It follows you around and keeps you and your loved ones safe while you’re out on the road.

Whether you’re on the way to work or picking up the kids from soccer practice, every time your tires hit the pavement, you’re exposed to the dangers of driving.

That’s why having the right car insurance is so important.

Car insurance can vary from state to state but the coverages below are standard in most states. If you want to know the requirements in your state, give us a call.

What to Cover

Auto liability insurance is required by state law and protects your pockets when you’re responsible for someone else’s injuries and damages to his/her vehicle. This responsibility means that your insurance will pay for another driver’s damaged vehicle and any medical bills, if applicable.

Comprehensive coverage – This means any event that is beyond your control such as vehicle fire, theft, glass breakage, etc., is covered after a deductible is applied.

What is a deductible? We’re glad you asked! This is the amount of money you agree to pay out of pocket before your insurer pays the rest.

Collision coverage – This pays to repair or replace your damaged vehicle, regardless of fault. There’s also a deductible with this one- FYI. If you need a rental car while yours is in the shop, this will also pay for that.

Uninsured/underinsured bodily injury – This pays for injuries sustained by you and your passengers (depending on your policy limits) if you are injured in an accident and that driver has little to no insurance.

Uninsured/underinsured motorist – This pays to repair or replace your vehicle (up to your policy limits) if you’re hit by another driver with not enough insurance or none at all.

Medical payments This pays for medical and funeral expenses (up to your limits) if you’re involved in an accident. Medical payments can also cover your family members or other passengers, regardless of fault.

Additional Coverages

Roadside assistance – This may be something you want to add to your policy if you’re someone who likes to gamble with the “low fuel” light. Whether you’re stranded in your vehicle and need a tow, locked out, or just ran out of gas, this coverage is there to save the day.

New car replacement insurance – If your car is totaled, new car replacement insurance will give you money for a brand-new car of the same make and model (minus your deductible) instead of the depreciated value of your totaled car.

Gap insurance – Also known as loan/lease payoff. This is an optional auto insurance coverage that applies if your car is stolen or deemed a total loss. When your loan amount is more than your vehicle is worth, gap insurance coverage pays the difference.

For example, if you owe $25,000 on your loan and your car is only worth $20,000, your policy’s loan/lease payoff coverage covers the $5,000 gap, minus your deductible.

Diminishing deductible – Sometimes called a “vanishing” or “disappearing” deductible, is an additional coverage that rewards you for being a safe driver. As you continue to avoid car accidents and maintain a clean driving record, the amount of your deductible will decrease by a certain amount, depending on your car insurance company.

Our Promise
to You

We’ll show you coverage options, recommend the limits that fit your needs, and make sure you’re receiving all the discounts you are entitled to. Who doesn’t love getting a discount?

Auto insurance can be more complex than most initially think. But don’t worry! We’re here to help break it down to ensure you know exactly what you are buying. We pinky promise.

Auto FAQs

  • What is a Deductible?

    A deductible on your insurance policy is what you pay out of pocket before the insurance kicks in. This is to prevent extremely small claims from being filed as insurance is for larger emergencies. For example, if your auto deductible is $250 and you have $2,000 in damages, the insurance company will pay the contractor repairing it $1,750, and you would pay your $250 deductible.

    Here’s something you should keep in mind when choosing coverages and deductibles.
    Higher deductible = Lower car insurance rate and higher out of pocket costs.
    Lower deductible = Higher car insurance rate and lower out of pocket costs.

  • Can I get a damage estimate before filing a claim?

    Yes, we recommend obtaining an estimate before filing a claim. Once you have your estimate, give us a call to discuss your options. We’ll also look at your policy with you to see if your estimate is above your deductible.

    Visit our Claims page to learn more.

  • How long will my car insurance claim take?

    Every claim is unique, and many factors determine how long it will take.  Giving your claims advocate all the necessary details and documentation will help keep your claim process moving smoothly.

  • Will I have to pay my deductible if I’m not at fault?

    Maybe. For certain coverage types, you’ll pay a deductible even if you aren’t at fault. But, if there’s a chance your insurance could recover the amount paid, including your deductible from the person responsible, they will. If they aren’t successful, you can choose to try to recover the deductible yourself.

  • How do I cancel a policy? 

    If you’ve recently sold your home or vehicle, obviously, you don’t want to continue making payments on those policies. We don’t blame you.

    Just give us a call at 757-448-3820 and let us know. Please note that we work with over 30 different insurance companies, so if you’re looking for a new policy, we can do the shopping for you as well.

  • How do I add someone to my policy?

    Give us a call! We ask that you have the following information handy so we can keep this process quick and easy for you:

    • Policy holder’s name and the name of the driver you would like to add
    • Policy number or address
    • What cars are being removed or added (if any) and their VIN numbers
    • Specify coverage- will you need more? You can also choose to keep it the same as the other vehicles on your policy.

    For all driver related changes to your policy, give us a call at 757-448-3820.

  • Is out-of-state registration ok?

    This doesn’t really make a difference to many of our insurance companies, but here’s the catch, the DMV will care. Many DMVs won’t accept out-of-state insurance and could fine you and/or suspend your license or plates. It is your responsibility to go to the DMV and get this corrected.

    If you’re military, there is likely an exception or form you will need to fill out. If you are not military and your DMV won’t accept out of state insurance, you will need to get the vehicle registered in the state you reside, just a heads up!

  • How can I get my Auto ID cards?

    Most carriers have mobile apps you can use to request your ID cards. The best way to determine if your carrier has a mobile app is to simply Google them. You will likely be instructed to create a customer login. Once you’re set up, you will be able to request your ID cards.

    You can also send your request to or call our service department at 757-448-3820.

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Happy Drivers

Here’s what our clients have to say.


“My husband and I highly recommend the Prosper Insurance! Our agent was amazing!”

Amy P. Virginia Beach, VA

“Not only did my agent find the most amazing rates ever for us, she did so with class and amazing customer service.”

Brett S. Chesapeake, VA

“My agent helped me find lower rates than I was previously paying.”

Elizabeth B. Chesapeake, VA
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