One local agent.
15+ insurance companies compared for you.
Auto, home, renters and business coverage from a Gaithersburg agency that shops the market for you, explains it in plain English or French, and picks up when you call.
What do you need to cover?
Pick one to start your free quote. A licensed agent follows up with your options.
Your quote, without the runaround.
A few guided steps, about 3–5 minutes. No card, no pressure, and you can call us instead anytime.
- Tell us what to coverAuto, home, condo, rental or business.
- We shop the marketA licensed agent compares companies like GEICO, Progressive, National General and Hiscox.
- You chooseWe walk you through the options and stay with you at renewal and claim time.
Auto · Home, condo & rental · Business · English or French
Everything you need, one agency.
For you & your family
Big-agency choice. Small-office care.
Companies compared
An independent agent works for you, not for one insurer, so you see real options side by side.
Languages, zero jargon
We explain deductibles, limits and exclusions clearly, in English or French, before you sign anything.
Someone always answers
Busy line or after hours, your call is picked up, your details are taken, and an agent follows up first thing.
Call at 9 pm on a Sunday. Someone answers.
Meet Vera, Tram's virtual assistant. When the office is busy or closed, Vera picks up, in English or French, so you're never sent to voicemail.
- Starts your quote and books a callback with a licensed agent
- Helps after an accident: safety first, then the right claims steps
- Takes requests for ID cards, changes and payments for the team
- Books your free policy review on the spot
A Gaithersburg agency that knows your name.
Tram's Insurance Agency is an independent, family-run agency on North Frederick Avenue. We help families, drivers and small businesses across Montgomery County find coverage that fits their life and their budget, then stay with them when it matters: renewals, changes and claims.
Some of the companies we work with
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Good to know
What does an independent agency mean for me?
We're not tied to a single insurer. We compare coverage and price across many companies and recommend what fits you, then help you switch if a better option comes up at renewal.
Is the quote really free?
Yes. Quotes and policy reviews are free and there's no obligation to buy.
What do I need for an auto quote?
Your name, the vehicles (year, make, model) and the drivers in your household. If you have your current policy handy, it helps us compare apples to apples.
I just had an accident. What should I do?
Make sure everyone is safe and call 911 if anyone is hurt. Then call the claims number on your insurance card or app, which works 24/7, and let us know so we can help you through it.
Parlez-vous français ?
Oui ! Notre équipe et notre assistante Vera parlent français. Appelez-nous ou commencez votre devis en ligne.
Stop by the office
Gaithersburg, MD 20877