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.




“We made the decision to switch insurance companies after finding out that the insurance agent that we had dealt with for over 15 years was not managing our policies as he led us to believe. Needless to say, our opinion of insurance agents was not high. Then we met Melinda. From the beginning, she was patient, thorough, and respectful. She treated us not like a customer, but like a friend. We TRUST Melinda with our insurance needs, and after our previous experience, that was something I never imagined saying about an insurance agent! With Andres, O’Neil and Lowe we have better coverage, for less money, and an agent that has been there for us every time we have needed her. We now have our personal and commercial policies thru Andres, O’Neil and Lowe, and feel confident in knowing that our personal property and our business are in good hands.”