Cothran Schoonover Insurance



We represent many different insurance companies so that we can secure our clients the right insurance options at the lowest cost to them.


Who We Are

Cothran Schoonover Insurance is a customer focused independent insurance agency with 5 locations in Lynchburg, Virginia, Amherst, Virginia, Danville, Virginia, Collinsville, Virginia and Walnut Cove, North Carolina.We represent many different insurance companies so that we can secure our clients the right insurance options at the lowest cost to them.

Our Process

We make buying insurance simple and efficient.  Whether you are buying car insurance, homeowners insurance or commercial insurance, with our insurance agent’s years of experience and with the help of Cothran Schoonover Insurance’s proprietary in-house tools we streamline the quoting process.


With one phone call, we can provide you with comparison insurance quotes through all of our insurance carriers on car insurance and homeowners insurance making sure you are getting the best insurance rates.  Additionally, we will review your coverage limits and deductibles with you to tailor your coverage options to best fit your needs.


Also, we believe that our insurance agents should be dedicated solely to either personal lines or commercial lines to provide our customers with a greater level of proficiency that they deserve.  We don’t want our insurance agents to know a little bit about everything.  Instead, we want them to know a lot about one thing and focus on that one thing.


When you call in you can rest assured that the person you are speaking to is extremely knowledgeable in their field.

What Makes Us Different From Other Independent Insurance Agents and Captive Insurance Agents

That’s easy…multiple insurers, customer service and knowledge. 


Captive insurance agencies are insurance agencies that only have the ability to write through one insurer such as State Farm or Allstate. They only have the ability to write insurance through that one carrier.


If your insurance premium increases, your insurance carrier cancels you or they don’t offer the insurance coverage that you need then that insurance agent won’t have any other insurance options for you. 


We on the other hand write insurance through Nationwide Insurance, Travelers, Grange Insurance, Progressive and many more so we have the ability to keep your insurance premiums at an affordable rate without having to sacrifice insurance coverage.


And while it’s true that other independent agencies represent more than one insurance carrier like we do, our customer service stands out. We have a team that is dedicated to nothing but reviewing your policies as they renew to make sure that we are getting you the best insurance coverage at the lowest cost to you.


Lastly, each one of our insurance agents, whether they sell Personal Insurance or Business Insurance, has gone through additional training beyond what that state requires to sell insurance. We require that each one of our insurance agents obtains either their Personal Lines Coverage Specialist or Commercial Lines Coverage Specialist designation so that they are experts in their respective fields.


You aren’t a potential client to us, you are a long term customer in the making. 


Call us today for a free quote and I promise you won’t look back.

Types of Insurance Solutions We Offer

  • Auto Insurance
  • Home Insurance
  • Renters Insurance
  • Condo Insurance
  • Boat Insurance
  • Motorcycle Insurance
  • Personal Umbrella Insurance
  • RV Insurance
  • Antique Vehicle/Classic Vehicle Insurance
  • Business Owners Insurance
  • General Liability Insurance
  • Workers Compensation
  • Business Auto Insurance
  • Life Insurance
  • Health Insurance

Who We Serve

Cothran Schoonover Insurance has been in the insurance industry selling insurance to residents of Virginia and North Carolina since 1981.


Looking for an “insurance agent near me”?  Well look no further.  Not only did you find one, but you found the best one.


Insurance products offered may vary by state and are per the terms and conditions of the insurance carrier written through.

Cothran Insurance
Based on 48 reviews
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Brit StclairBrit Stclair
13:50 22 Dec 21
Kim was very nice and so helpful with finding me the best deal on car insurance. She was very easy to communicate with and also to get in touch with when needed. I highly recommend this company for your insurance needs.
Lisa PainterLisa Painter
16:28 17 Sep 21
Kim with Cochran insurance is truly a blessing! If you need insurance let this respectful ,caring and patient lady take care of you. I'm truly satisfied with everything she did for me .😁
Gino BushGino Bush
23:05 26 Aug 21
The service was great and very professional. The staff and management structure there is well coordinated and organized. The interaction was pleasant and very descriptive. I am currently an international student at liberty university and Cothran gave me opportunities to find really good rates and offer discounts. I would personally recommend Wanda Rise for her honesty and her professionalism. I highly recommend that international students who have cars check out Cothran if they need car insurance for really good rates.
Jenn BradyJenn Brady
12:49 21 Aug 21
It was so easy working with Kim. She made the whole process bearable. Because let's face it, there is nothing fun about getting insurance. LOL! She was easy to work with and explained everything very clearly. I would recommend her to anyone looking for any kind of insurance.
Ariel KimAriel Kim
21:35 19 Aug 21
I have nothing but amazing things to say about my experience with Cothran Insurance. Wanda was so sweet, helpful and made the process so quick and smooth. She walked me through the entire process of obtaining my own insurance and answered every question I had with ease. I would 100% recommend this company and if possible, ask for Wanda! She’s the best!