Where are you located?
"everytime I get a hit it always reads .25" Are you saying all your hits read 25? The gain, disc, and Trac settings which are the only ones you have aren't going to change the VDI numbers. You should be getting 22 - 26 for tabs, 45 - 47 for tabs, 70 - 77 for pennies etc.
"and it has been foil, screws, a few quarters" Foil can give VDI numbers across the scale depending on their size. The same with the screws.
"I even tried with older coins we have here, 50 cent pieces and $1. and they come up as quarters, so I know it is the settings, I just need to figure that out..." The new small dollars will read like a quarter, but the half dollars and old dollars should read higher. Again, like I stated earlier, I don't know what setting changes will change the VDI readings.
Since you said you got quarter readings you must be in C/J mode. The gain (sensitivity) can be run as high as you need as long as the detector acts stable and gives a good threshold. The threshold should beset to be just audible. The disc setting will be used to eliminate targets you don't want.(you won't hear them but the VDI number will still read). I usually run mine between 2 and 3 to eliminate most nails etc. Rob