Personal Insurance

familytrunk_420x315If you are looking for an insurance company that is committed to providing you inexpensive insurance products protecting you and making you feel as though you haven’t been raked over hot coals with your insurance coverage- look no further.

Frye-Shaffer Insurance would like to thank you for visiting our website today. We hope that we can help you find the auto, home, and life insurance information that you have been searching for. If you are curious about any of the insurance options we offer, contact us at 276-669-8242 – our friendly agents are here to help! Frye-Shaffer Insurance is a full service insurance company located in Bristol Virginia committed to servicing you. If you are in the market for auto, home, or life insurance, Frye-Shaffer Insurance is here to serve you. We can help you find coverage for all your needs, risks, and concerns.

Personal Product Offerings:

  • Automobile
  • Boats
  • Condo
  • Homeowners
  • Jewelry
  • Motorcycles
  • Renters
  • Umbrella
  • Vacation Home
  • Landlord
  • Flood
  • Wedding & Special Events
  • Identity Fraud

Our agency strongly believes that the key to happy clients is to learn about their lives and provide a positive shopping experience. Tell us your needs. Our insurance agents will take the time to listen – and will work with you to develop an insurance plan that you’re satisfied with. Your car, your home, and your life all require protection. Once we understand your unique needs, we will get to work for you – forming a unique and affordable insurance protection plan that won’t break the bank. Any agent can offer insurance quotes. For us, it’s more than that.

Frye-Shaffer Insurance is committed to finding you the insurance protection you need at the rate you deserve. Contact us today at 276-669-8242 to learn more about our insurance options – or fill out our Request a Quote Form to get a free insurance quote!


General Insurance FAQs

Q: What kinds of questions should I be expected to answer when I apply for an insurance policy? Why do insurers need so much information?

A: When you apply for an insurance policy, you’ll be asked a number of questions. Among other things, the agent might ask you your name, age, gender, and address. You’ll also be asked a number of other questions which will be used to determine how likely you are to make a claim.

When an insurance company is deciding whether or not to offer automobile insurance to a potential customer, they want to know about the person’s previous driving record, whether they have any recent accidents or tickets, and what type of car is to be insured.

Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than a young driver with traffic tickets. In order to determine which program you qualify for, an insurance company needs basic information about you.

In addition to your age, gender, and driving experience, they will also need information about the vehicle you drive and how you drive it to determine a fair price. For example, a large luxury car costs more to repair or replace than a sub-compact; and, someone who commutes 30 miles each way is more likely to be in an accident than someone who rides the bus to work and drives only on weekends.

Q: What are the advantages to using an agent to purchase insurance?

A: By using an agent to purchase insurance, the policy holder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local independent agent is able to deliver quality insurance with competitive pricing and local, personalized service.