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Multi-Car Insurance
A multi-car policy covers two or more vehicles on one policy, each carrying its own coverage level while the whole policy earns the multi-car discount. Each vehicle must carry at least the state liability minimum, and the discount typically requires the same garaging address.
Liability Insurance
Liability insurance pays the other party's damages when you cause an accident. Virginia requires $50,000/$100,000/$25,000 on every vehicle, and you can increase limits on individual vehicles on a multi-car policy without losing the discount.
Full Coverage Insurance
Full coverage adds collision and comprehensive to the liability minimum. On a multi-car policy, you can carry full coverage on one vehicle and liability-only on another while both earn the multi-car discount.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance. Virginia requires it on every vehicle, and the limits can match or exceed your liability limits.
Adding a Vehicle Mid-Term
Adding a vehicle mid-term re-rates the entire policy rather than adding a flat amount. The new vehicle is rated and added immediately, and the multi-car discount recalculates across all vehicles.
Combining Household Policies
Combining two separate policies into one multi-car policy requires all vehicles to share the same garaging address and typically the same policy effective date. The combined policy earns the multi-car discount across all vehicles.
