car on hand

Auto Insurance

Choosing the right auto insurance is the key to keeping you and your car safe on the road in the event of an accident or other vehicle damage. Our comprehensive auto insurance options can protect you against the risks you face behind the wheel.

Our auto insurance coverage options include:

Liability Coverage 

You can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

Comprehensive Coverage 

Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision. That includes theft or larceny, vandalism and glass breakage, fire damage, and more.

Collision Coverage 

You can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or object.

Uninsured/Underinsured Motorists Coverage 

This coverage gives you the assurance you need knowing that your medical expenses will be covered in cases where the driver at fault does not have adequate liability to pay for your injuries and damages.

Diminishing Deductible 

You can actually get rewarded for being an accident and violation-free driver. When you sign up, you’ll receive an immediate $100 credit on your deductible and you can add $100 of more credit for every year – simply by being a safe driver. You can receive up to a maximum of $500 credit.

Accident Forgiveness 

If you’re involved in an accident, your rates won’t increase – even if the accident is your fault. This applies only one time per policy, and once it’s been used, you’ll be eligible to receive it again three years later.

Minor Violation Forgiveness 

Minor Violation Forgiveness allows you to avoid accidental points on your license and prevents a rate increase if you receive a citation that could otherwise affect your good driving record. This applies only once per policy, and the coverage renews after three years of the most recent minor violation.

Towing & Roadside Assistance 

Towing is an optional coverage option that provides assistance in the event of an unexpected breakdown. In addition, Old Point Insurance also offers Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more.

Specialty Auto Insurance 

With options and choices ranging from agreed value coverage to spare parts coverage, Old Point Insurance can provide you with the tools you need to insure your timeless automobile. That includes collectibles, antique and classic cards, hot rods, custom-built cards, show cars and race cars.

24-Hour Customer Service 

Since accidents and non-collision oriented situations can fall outside of normal business hours, we’ve partnered with Allied Insurance’s On Your Side® service center to provide you with extended hours in case you need assistance. For claims, accidents, billing information, and more, you can contact an Allied representative 24 hours a day, seven days a week at 800-282-1446.

Rental Reimbursement 

Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced after an accident or theft.

Personal Injury Protection (PIP) 

With Personal Injury Coverage helps pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. PIP extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs.

Medical Payments Coverage 

This ensures that most medical expenses will be taken care of if you or a family member is injured in an auto accident as either a passenger in the car, or as a pedestrian struck by an auto. This coverage applies the same regardless of who is at fault and extends to the policyholder’s family members, as well as any passengers in the vehicle.

We take the time to create a policy that is customized to your needs, so that you have the insurance plan that will protect what matters most to you.


Contact us at 757.224.1463 or [email protected] to learn more about our insurance options.

Home & Auto Insurance: Combined Coverage for Better Benefits

By combining home and auto policies, you may be eligible to receive money-saving discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more. 

You may also qualify for extras like single deductibles (when your home and car are damaged as a result of the same event), emergency lockout coverage, accidental death benefits, and airbag replacement from accidental deployment.

Contact us to learn more about the benefits you can receive by combining your home and auto policies.