Cothran Insurance Located In Lynchburg, Virginia

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

Who We Are

Cothran Insurance is a customer focused insurance agency located in Lynchburg, Va.

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 Insurance's proprietary in-house tools we streamline the quoting process.

In one 15 minute 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 personal lines or solely to 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 Insurance has been in the insurance industry selling insurance to the Lynchburg, Va, Forest, Va, Bedford, Va, Rustburg, Va and Appomattox, Va areas since 1981.

Helpful Content

Curated articles, videos, and more for a more educated you.

<p>What is an Appraisal?</p>

What is an Appraisal?

Do you know what an Appraisal is?
Learn More
<p>What is Dwelling Coverage?</p>

What is Dwelling Coverage?

Do you know what Dwelling Coverage is?
Learn More
<p>Universal Life Insurance</p>

Universal Life Insurance

Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
Learn More

How Much Do You Know About Insurance?

These days, insurance needs are better understood than ever. Yet, many Americans remain under-informed about how various insurance products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Insurance IQ."

Have a question? We're ready to help.

Thank you!