At Cothran Schoonover Insurance, we know car insurance isn’t just about having a policy – it’s about protecting you, your family, and your financial future. As a licensed Property and Casualty insurance agency, we offer personalized auto insurance solutions to fit your needs.
Whether you’re looking for affordable car insurance, full coverage, or specialized policies, we work with multiple top-rated insurance companies to find the best coverage at the best price.
We proudly serve customers from five locations:
Wherever you are in Virginia or North Carolina, we’re here to help you find a policy that fits.
Why Choose Cothran Schoonover Insurance?
- Expert Guidance & Personalized Service: Navigating auto insurance can be confusing. Our experienced agents do the work for you, comparing rates from multiple providers to find you the best value.
- Affordable Car Insurance Without Cutting Coverage: Looking for low-cost coverage? We ensure affordability without sacrificing protection by partnering with top-rated providers.
- Top-Rated Insurance Companies: We only work with carriers rated “A” or higher by AM Best, meaning financial stability and dependability when it counts.
Auto Insurance Coverage Options
We help you understand your coverage choices, so you can select the best fit:
- Bodily Injury Liability
- Property Damage Liability
- Comprehensive Coverage (theft, vandalism, weather)
- Collision Coverage (accident-related damage)
- Uninsured/Underinsured Motorist Protection
- Rental Car Reimbursement
- Towing & Roadside Assistance
- Accident & Minor Violation Forgiveness
- Medical Expenses & Loss of Income Coverage
How to Get a Free Car Insurance Quote
Getting a quote is easy:
- Call us to speak with a local insurance expert.
- Start your online quote and finalize your policy with a quick call.
Ways to Save on Car Insurance
- Save 10% to 40% with a telematics discount for safe driving habits.
- Get $5 to $10 off per month by going paperless.
- Enroll in EFT/auto payments for up to $10/month savings.
- Bundle auto, home, or other policies for up to 40% off.
- Pay-as-you-drive programs reward low mileage.
- Save 10% by paying for 6 months in advance.
- Increase your deductible to reduce your rate.
What Affects Your Car Insurance Rate?
- Age – Drivers aged 40 to 60 tend to receive the best rates.
- Gender – Women statistically have fewer accidents.
- Marital Status – Married drivers may pay less.
- Location – Even zip code changes affect your premium.
- Driving Record – Clean records mean lower costs.
- Vehicle Type – Sports and luxury cars are pricier to insure.
- Coverage Limits – Higher limits mean higher premiums but better protection.
- Insurance History – Lapses in coverage can increase your rates.
Virginia & North Carolina Minimum Car Insurance Requirements
Virginia Minimum Limits:
- 50,000 per person for Bodily Injury Liability
- $100,000 per accident for Bodily Injury Liability
- $25,000 for Property Damage Liability
Recommended:
- $100,000 per person / $300,000 per accident for Bodily Injury
- $100,000 for Property Damage
North Carolina Minimum Limits:
- $50,000 per person for Bodily Injury Liability
- $100,000 per accident for Bodily Injury Liability
- $50,000 per accident for Property Damage Liability
Higher limits help you avoid out-of-pocket costs after an accident.
We’re Here When You Need Us
If you’re in an accident, we guide you through:
- Finding a repair shop
- Understanding your deductible
- Filing a claim
Convenient Insurance Services – Anytime, Anywhere
Use our CSR24 Mobile App to:
- View your coverages
- Access your digital ID card
- Request policy changes
Proudly Serving Virginia & North Carolina Since 1981
We’ve served clients across both states for 40+ years with offices in:
Get a Free Car Insurance Quote Today
- Call us to speak with a local insurance expert.
- Start your online quote and see how much you can save.
At Cothran Schoonover Insurance, your protection is our priority.
