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Auto Insurance

Drive with Confidence. Your Trusted Auto Insurance Partners

HWP Insurance provides personalized auto insurance through an extensive network of top-rated carriers. We evaluate your insurance requirements and offer indications from various insurers, with a wide selection of coverage options and premiums.

Our insurance advisors simplify the process of buying insurance by doing the research for you. We will take time to understand your insurance needs and offer valuable guidance to assist you in selecting the right policy for you.


Comprehensive Auto Coverage

Having the right auto insurance in place can speed up the process of getting your vehicle back on the road. In the event of damage due to a covered loss, your policy can provide protection against damage to your vehicle caused by a collision, fire, theft, vandalism and other covered events. Auto insurance may also afford coverage for bodily injury and property damage you cause to others.

HWP Insurance has established partnerships with a vast network of national and regional carriers capable of delivering coverage that meets your insurance needs.

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured/Underinsured Liability
  • Medical Payments
  • Loss of Wages
  • Collision
  • Other Than Collision
  • Agreed Value
  • Loan/Lease Gap
  • Vehicle Replacement Cost
  • Original Manufacturer Parts
  • Worldwide Liability
  • Rental Vehicle Reimbursement

Please take note that not all policies include all coverages listed. Our insurance advisors will work with you to determine the options that best suit your needs.

Innovative Insurance Solutions

Our partner carriers leverage advanced insurance technology to deliver an outstanding customer experience. Technology advancements like telematics enable carriers to offer personalized feedback and tailor insurance solutions based on your driving behavior. Insurers can accurately evaluate risk, encourage safe driving habits, which may lead to reduced insurance premiums.


What to Consider When Choosing Auto Insurance Plan

Choosing the right auto insurance program is essential, as it affords financial security in unforeseen circumstances.  Here are some factors to consider when making your selection:

  • Personal auto liability affords coverage for bodily injury or property damage to others in the event of an auto accident. Choosing limits that provide adequate protection for your assets and financial stability becomes increasingly crucial when considering the potential of a catastrophic accident. If the costs exceed your liability coverage limits, you may be personally responsible for paying the remaining expenses.

  • Evaluate the specific coverage that aligns with your needs. In addition to selecting the right liability limits for you and your family, you may want to consider additional coverage like Collision, Other Than Collision, Uninsured/Underinsured Motorist, and Medical Payments Coverage.

  • This is the amount you will have to pay out-of-pocket before your insurance coverage responds. A higher deductible usually means a lower premium.

  • The use of your vehicle can impact your insurance premium. Using your vehicle for business purposes, such as being an Uber driver, or having a lengthy daily commute, can lead to increased insurance premiums.

  • Your insurance premiums can be affected by your driving record. Those who have a history of accidents or moving violations will encounter higher premiums, while being loss free and violation free will result in lower premiums.

  • Insurance companies consider your insurance financial score as a factor when assessing your insurance premium. Maintaining a positive score can aid in securing lower rates.

Assess your insurance needs carefully and select a policy that provides the necessary coverage to safeguard against potential risks, including liability lawsuits that may involve substantial (change to “considerable”) amounts, potentially reaching millions of dollars.

Our insurance professionals understand your individual insurance needs and can tailor a policy that safeguards you from substantial losses.


Get a Quote for Auto Insurance

HWP Insurance, in collaboration with their partner carriers, offers a range of auto insurance options to vehicle owners across DC, MD and VA

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Frequently Asked Questions (FAQs)

  • Why do I need auto insurance?

    In many places (change to “most states”), auto insurance is a legal requirement to operate a vehicle. This is to protect the vehicle owner from financial losses and ensure that other drivers affected by an accident have a means of compensation.

  • What types of auto insurance coverage are available?

    There are various types, including Liability coverage (covering injuries or damages you cause to someone else), Collision coverage (affording coverage for damage to your vehicle from an accident), Other Than Collision coverage (affording coverage for theft, vandalism, fire, flood, hail, glass, collision with an animal), and Uninsured/Underinsured Motorist protection (affording coverage if you're hit by another driver without insurance or adequate insurance).

  • How are auto insurance premiums determined?

    Premiums are determined by a combination of factors, including the driver's age, driving history, insurance score, type of vehicle, use of vehicle, location and the amount of coverage selected, among other criteria.

  • Can I reduce my auto insurance premiums?

    Carriers may offer discounts for safe driving habits that reduce the risk of accidents, such as maintaining a spotless driving record, opting for higher deductibles, or bundling your homeowners policy.

  • What should I do if I'm involved in an accident?

    After ensuring everyone's safety and seeking medical attention if needed, it's essential to gather information from other parties involved. Take photos of the scene, report the incident to the police and notify your HWP Insurance agent as soon as possible.

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    Have you had any lapse in coverage within the last 12 months?
    Has any company declined, cancelled or refused to renew any type of similar insurance?
    Have you had 2 or more at fault accident where you were at fault within the past 3 years?
    Have you had 2 or more moving violations or driver license suspension/revocation in the last 3 years?