INSTANT ONLINE QUOTE
We represent many different insurance companies so we can secure our clients the right
insurance options at the lowest cost.
At Cothran Schoonover Insurance, we do one thing, and we do it exceptionally well: we protect what matters most to you while saving you money.
As a customer-focused independent insurance agency, we proudly serve residents and businesses across Virginia and North Carolina from our five convenient office locations. We represent multiple top-rated insurance companies, allowing us to secure the exact coverage you need at the lowest possible cost.
-
Call Now
- Call us now at 434-239-2886
Online Quote
The Cothran Schoonover Difference
What makes us different from other independent or captive insurance agents? It comes down to options, expertise, and customer service.
More Options, Better Rates: Captive agents (like State Farm or Allstate) can only sell you one brand. If your rate goes up, they have no alternatives. We write through major carriers like Nationwide, Travelers, Grange, Progressive, and more. If one carrier’s rate increases, we simply shop your policy with another to keep your premiums affordable without sacrificing coverage.
Highly Specialized Agents: We believe our agents shouldn’t just know a “little bit about everything.” Our team is strictly divided into Personal Lines and Commercial Lines. Furthermore, we require our agents to undergo advanced training beyond state requirements to earn their Personal Lines Coverage Specialist (PLCS) or Commercial Lines Coverage Specialist (CLCS) designations. When you call us, you are speaking to a certified expert in that specific field.
Proactive Policy Reviews: You aren’t just a policy number to us; you are a long-term client. We have a dedicated team that reviews your policies as they renew to ensure you are still getting the absolute best coverage at the lowest cost.
Our Simple, Streamlined Process
We believe buying insurance should be simple and efficient. Whether you need a personal auto policy or comprehensive business coverage, we take the burden off your shoulders.
With just one phone call, our experienced agents use proprietary in-house tools to instantly compare quotes across all of our carriers. We review your limits and deductibles with you, tailor the options to fit your lifestyle or business, and make sure you are getting the best rate available.
Comprehensive Insurance Solutions
Insurance products offered may vary by state and are subject to the terms and conditions of the specific carrier.
Personal Insurance
- Auto Insurance
- Home Insurance
- Renters Insurance
- Condo Insurance
- Boat Insurance
- Motorcycle Insurance
- Personal Umbrella Insurance
- RV Insurance
- High Valued Property Insurance
Business Insurance
Other Coverage
Who We Serve
Cothran Schoonover Insurance has been protecting individuals, families, and businesses across Virginia and North Carolina since 1981.
Whether you are looking for a trusted local agent in your hometown or need comprehensive coverage across state lines, you have found the right team. We provide the expertise of a large agency with the dedicated, personalized service of a local neighbor.
Call us today for a free quote, and we promise you won’t look back.
-
Call Now
- Call us now at 434-239-2886
Online Quote
Our Local Offices in VA and NC
We’ve proudly served clients across both states for over 40 years. Choose your local office below:
Ms Wise was professional, returning calls promptly, answering questions, sending confirmation emails when necessary documents and payments were received.
I appreciate professionalism and efficiency and would highly recommend Cothran Schoonover Insurance to others seeking insurance needs.
5 stars
