Car Insurance Solutions by Luis Carmona Insurance Agency

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We can help you find the perfect plan for your needs! 

Our team of professional agents is here to help you obtain the insurance coverage options you deserve at great market rates. We provide auto insurance quotes for Virginia, West Virginia, Maryland, Pennsylvania, D.C., and North Carolina. Insurance policies vary from person to person. Most companies use a credit score (though we have some that do not). They also consider your driving record, the information your VIN provides about your car and its safety ratings, the coverage you want, any discounts you qualify for, and rating data for the area you live in.  

We can offer coverage for preferred drivers as well as those with multiple items on their records—this is an advantage of representing many different companies. 

In Virginia, we also provide instant FR-44 and SR-22 filings for those who need them. 

At Luis Carmona Insurance Agency, we are dedicated to providing our clients with the best possible Virginia car insurance options. We specialize in various types of insurance, including home, auto, life, and business insurance. Our experienced agents are committed to helping you find the perfect policy that meets your unique needs and budget. We pride ourselves on exceptional customer service, always putting our clients first.  

Questions about Automotive Insurance:  

What causes auto insurance rates to go up? Some companies use credit scores as an additional factor in their rates. All companies will review your driving record and a ‘Clue’ report, which informs them about claims paid on your car or on your behalf as a driver. Increased costs for parts or labor, as well as heightened claim activity within your company or area, can also lead to rate increases.  

If I had an accident on private property or didn’t get a ticket for an accident, why does that count against my rate? Insurance companies don’t care if you received a ticket for an accident. If money was paid out for a claim, it is accounted for.  

How long do items stay on my record? Most companies impose surcharges for items on your record for the last 3 years, but they will review the last 5-7 years of your activities. Preferred companies usually base their rates on the past 5 years.  

How long do I have to carry an SR-22 or FR-44? If you’re caught without insurance, you must carry the SR-22 for 3 years without a gap in coverage. A DUI triggers the FR-44, which you must carry for 5 years without a gap. The DMV does not notify the insurance company or agency when you no longer need one of these filings; you must check with the DMV and request a written statement confirming that the filing is no longer required.