Auto Insurance
We offer a full line of vehicle policies:


  • Family Autos
  • Motorcycles
  • Antique/Classic Vehicles
  • ATVs
  • Commercial/Fleet Vehicles

Policy Coverages

The state of Viriginia requires all vehicles to be insured for the following coverages:

  • Bodily Injury Liability - Covers accidental injury or death of another person if caused by you in an automobile related accident.
  • Property Damage Liability - Covers accidental damage to other people's property if caused by you in an automobile related accident.
  • Defense Costs - Covers court costs, legal expenses and attorney's fees.
  • Uninsured / Underinsured Motorist - Covers injury suffered by you, your family and anyone riding in your car against the uninsured / underinsured or hit-and-run driver.

Coverages that may be required by your leinholder:

  • Collision - Covers you for damage to your car in an accident, regardless of who was at fault.
  • Other Than Collision (Comprehensive) - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils.

Optional coverages:

  • Medical Payments - Covers you and your family in any car, and anyone riding in your car for medical expenses resulting from an accident.
  • Loss of Income - Covers you for loss of income due to an auto accident.
  • Towing and Labor - Covers the cost of towing expenses for a disabled or wrecked vehicle.
  • Rental Reimbursefment - Covers the cost of renting a car while your car is being repared or replaced after an accident.

How to Get a Quote

Call us at (434) 823-5471 or send an email to nancy@crozetinsurance.com with the following information:

  • Insured driver – name, address, telephone, birthdate, social security number, license information, marital status
  • Other drivers (residents of your household and regular drivers who live elsewhere) Name, birthdate, license information and marital status
  • Vehicles - please include the year, make, model, VIN number and lienholder for each vehicle.
  • Prior coverage – name of prior insurance company, dates of policy and liability limits.
  • Coverage requested Choose liability limits of 50/100/50, 100/300/100 or 250/500/100
  • Medical Expense coverage Choose $2000, $5000 or $10000
  • Comprehensive coverage - Choose declined, $50, $100, $250, $500 or $1000 deductible
  • Collision coverage Choose declined, $100, $250, $500, or $1000 deductible
  • Towing coverage?
  • Rental Reimbursement coverage?