Auto Insurance That Moves With You
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
At CF Alliance, we know your car isn’t just a vehicle — it’s your way to work, your connection to family, and a key part of your lifestyle. That’s why our local agents take time to understand your needs, explain your options clearly, and help you find the right auto insurance coverage at the best possible rate.
Whether you’re a first-time car owner or ready to switch providers, we’ll help you drive with confidence and coverage that truly fits.
What Your Policy Should Cover
Liability Coverage
This protects you if you’re found at fault in an accident that causes injury or property damage to others. It’s required by Maryland law and is the foundation of every auto policy.
Collision Coverage
Pays to repair or replace your vehicle if it’s damaged in a collision — with another vehicle or an object like a pole or guardrail. It's especially important if you rely on your car daily or have a newer vehicle.
Comprehensive Coverage
This protects you if you’re found at fault in an accident that causes injury or property damage to others. It’s required by Maryland law and is the foundation of every auto policy.
Uninsured / Underinsured Motorist Coverage
Protects you if you're hit by a driver who doesn’t have insurance — or doesn’t have enough. It helps pay for medical bills and repairs that otherwise might come out of your pocket.
Medical Payments / Personal Injury Protection
Covers medical expenses for you and your passengers, regardless of who caused the accident. It can also help with lost wages and rehab, depending on your policy.
Optional Add‑Ons That Fill the Gaps
Add-ons like roadside assistance, gap coverage, or rental reimbursement can help you stay protected in everyday situations. We'll walk you through what makes sense for your driving habits and budget.
Add‑Ons That Matter
Rental Reimbursement
Helps pay for a rental car while yours is in the shop after a covered claim, so you can stay mobile without dipping into your own pocket.
Roadside Assistance
Covers unexpected breakdowns like flat tires, dead batteries, or lockouts, giving you 24/7 access to help whenever and wherever you need it.
Gap Coverage
Protects you if your vehicle is totaled and you owe more than it’s worth — this add-on covers the difference between your loan and its value.
Why It Matters
Not All Auto Policies Are Equal — We Make Sure Yours Works When You Need It Most
Your insurance policy isn’t just a document — it’s your backup plan when the unexpected happens. At CF Alliance, we make sure your auto coverage is comprehensive, clear, and built around your real-world risks. No filler, no fluff — just protection that makes sense for how and where you drive.
What You Need to Know
Do I need auto insurance in Maryland?
Yes. Maryland law requires drivers to carry minimum liability insurance, as well as uninsured motorist coverage and personal injury protection.
Can I bundle auto insurance with home or renters insurance?
Absolutely — and bundling can often save you money. Ask us about discounts for multi-policy coverage.
Is full coverage required for leased or financed cars?
Yes, most lenders require both collision and comprehensive coverage if your vehicle is leased or financed.
How are auto insurance premiums calculated?
Your rate is based on factors like your driving record, location, vehicle type, credit score, and coverage choices.
Can I get coverage if I’ve had past accidents or tickets?
Yes — we work with multiple carriers to help find affordable coverage, even if your record isn’t perfect.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.