J M Gardner Insurance

Tips for Finding an Agent

• Make sure they inform you of discounts
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents can only price your coverage with one company
• Check to see how long the agent has been in business

Insurance Buying Tip

The next time your car insurance renews, talk to your agent about increasing your comprehensive and collision deductibles to save money Auto insurance is more affordable if you are willing to pay a little more out-of-pocket at claim time. Call J M Gardner Insurance at (434) 316-5433 or talk to them in Lynchburg for more information.

Frequently Asked Questions

• How can I find an agent in Lynchburg?
• Why do I need an insurance agent?
• Can I drive on a suspended license in Virginia?
• Should I carry full coverage?
• Why are premiums so high after a bankruptcy?