Making a Difference Since 1923

Andres O’Neil and Lowe Insurance Agency serves commercial, agriculture and individual customers through offices in Bryan, Archbold and Wauseon, Ohio. For over 90 years, clients have trusted our agency to provide exceptional service, protection and peace of mind. From handling claims with efficiency and compassion to proactive pricing strategies, we are committed to making a difference for you.

Competitive Pricing

As an independent agency, we work with a variety of carriers to provide the right coverage at the right price.

Complete Convenience

You can save time, hassle and money by working with one team for all of your insurance needs.

Peace of Mind

All of our policies are backed by experienced agents who are here when you need them.

Local Knowledge

We live here and work here, just like you, giving us unique insight into what it takes to help protect your family, your business and your assets.

Our coverage options are backed by tools that make it easy to purchase, renew, file claims and get questions answered. Life isn’t always convenient, but when you work with AOL, your insurance can be.

Let us put our experience to work for you. Contact us today for a free assessment.




“Andres O’Neil & Lowe is an agency of people who care and who are responsive to the needs of their customers. Russ, Vickie, and the team are ALWAYS available and ALWAYS trying to do more and get us better coverage at a great value. But more importantly, they are ALWAYS friendly, courteous, responsive, and outstanding supporters of the communities in which they do business. Proud to call AOL a long-time business partner of Spangler Candy Company.”

Matt Dixon, Spangler Candy Company