Travelers Insurance Locations & Hours Near Lynchburg, VA -
By: Kristina R.
Timberlake Insurance Agency
Timberlake Insurance Agency has been taking great care of all of my insurance needs or over ten years now. They are always able to provide me with clear and helpful information regarding my insurance coverage.
By: Veronica B.
Allstate Insurance: Tom Craven, Jr.
Tom Craven and his staff provide excellent customer service. I am very happy with how my policies are handled as well as the friendly and welcoming way I am greeted whenever I call or go into the office.
By: Wes K.
Timberlake Insurance Agency
I have referred quite a few people to Timberlake Insurance Agency over the years and they've always switched. Timberlake has been the best for me, with the best rates for comparable service anywhere.
By: James P.
Timberlake Insurance Agency
We've been working with Timberlake Insurance for a while, and we love it. Their communication is great, and I can surely trust in them to let me know when there is better coverage out there.
By: Mia H.
Hedges Insurance Agency
The staff at Hedges goes out of their way to make it happen. Someone is always there to answer all my questions and they're always looking to find the best policy to fit all of your needs.
By: Jane H.
Timberlake Insurance Agency
Wendy and Mick are absolutely wonderful! I've been dealing with them for decades, and I've never had an issue with them. I've had to make a claim before, and they were very efficient.
By: Joe K.
Timberlake Insurance Agency
Mick and Wendy have always been good about helping us find better deals for our coverage plans. I've been so pleased with they level of service they have been able to provide us.
By: Tasha G.
Timberlake Insurance Agency
I love coming to Timberlake Insurance, I've been a client here for longer than I can even remember. They explain things in such a clear concise way for me. They are awesome!
By: Tommy D.
Allstate Insurance: Tom Craven, Jr.
Tom Craven and his team are great. They are incredibly helpful, answer all of my policy questions, and they have really good rates. I absolutely recommend them.
By: Trey K.
Nationwide Insurance
I've been a client at Cothran Insurance for the last 8 or 9 years. The best thing about this insurance agency is that they're very easy to work with.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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