Protect your family with Luis Carmona Insurance Agency

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Our team of professional agents can help you obtain the coverage you deserve at great market rates. We can provide quotes for Virginia, West Virginia, Maryland, Pennsylvania, D.C. & North Carolina. Insurance policies vary from person to person.  Most companies use a credit score (we have some that do not).  Then they take into account your driving record, information your VIN provides about your car & safety ratings, the coverage you want, any discounts you are eligible for, and rating data for the area you live in.

We can provide coverage for preferred drivers and to those with multiple items on their records.  It’s the advantage we have by representing many different companies.

In Virginia, we can also provide instant FR-44 & SR-22 to those who need them.

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

• What causes auto insurance rates to go up?
  Some companies use credit scores as an additional factor in their rates.  All companies use your driving record and a ‘Clue’ report which tells them about claims paid on your car or on your behalf as a driver.  Also, if there has been increased costs for parts or labor, increased claim activity within your company or your area you reside in, this can cause 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 got 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 surcharge for items that are on your record for the last 3 years but will look at the last 5-7 years of your activities.  Preferred companies usually base their rates off of the past 5 years.
  
• How long do I have to carry an SR-22 or FR-44?
  If you’re caught without insurance you have to carry the SR-22 for 3 years without a gap in coverage.  A DUI triggers the FR-44, which you have to carry for 5 years without a gap.  The DMV does not notify the insurance company or agency when you no longer need one of the above filings.  You need to check with the DMV and ask for a written statement that the filing is no longer needed.