Tips for driving in winter weather

Winter weather can be tricky to navigate, especially for inexperienced drivers in the Cincinnati, OH area. To help make your winter drives go a bit smoother, here are some tips from sat Advantage Insurance Network to consider: 

  1. Make sure your vehicle is ready. Make sure your tires are correctly inflated and filled with winter-grade anti-freeze. It’s also important to check the condition of your windshield wipers, battery power, and brakes before taking off on a cold day. 
  2. Check the forecast and plan accordingly. Winter weather can bring unexpected conditions, so it’s good to know what you’re up against before you hit the road. 
  3. Give yourself plenty of time to get where you’re going. Winter roads can be slippery, so leave earlier than usual to give yourself enough time to get there without rushing through icy patches or snow drifts. 
  4. Slow down and increase your following distance from other vehicles while driving in wintry conditions; stopping on icy roads takes more time and space than on dry pavement. 
  5. Be aware of road closures or restrictions due to extreme weather conditions that could force you into alternate routes or delays in reaching your destination. 

No matter how prepared you think you are for winter driving, it’s always best to err on the side of caution when the weather turns cold—it’s better to be safe than sorry! For more tips on driving in winter weather, or if you have any questions about your insurance coverage, call us at Advantage Insurance Network today. We proudly serve the Cincinnati, OH area and would gladly answer all your questions. 

What should you do if you are involved in a motorcycle accident in Cincinnati, OH?

Here are some helpful tips if you, unfortunately, find yourself in a motorcycle accident in the city of Cincinnati, OH. Starting with the most important, stay calm and assess the situation.

Stay Calm

The first and most important thing to do if you are involved in any kind of motorcycle accident is to stay calm. Once you have calmed yourself down, you can assess the situation and determine what needs to be done next.

Check Everyone for Injuries

If you are physically able, the next step is to check on the other people involved in the accident. This includes the other driver (or drivers), passengers, and pedestrians who may have been hit by the vehicle. If anyone is injured, call 911 right away.

Move Your Vehicle Out of the Way

If possible, move the vehicles out of traffic after you have called for medical help. If you can’t, turn on your hazard lights so that cars know to be careful when driving around your vehicle.

Exchange Insurance Information

If there are no injuries and it is safe to do so, exchange insurance information with the other driver (or drivers). You will also want to get their contact information if you need to contact them later.

See a Doctor

It is a good idea to see a doctor if you are in a car accident, even if you feel okay. Injuries from motorcycle accidents might not be apparent right afterward. The adrenaline and excitement can mask injuries.

Contact Advantage Insurance Network

Finally, contact an experienced personal injury lawyer in Cincinnati, OH. At Advantage Insurance Network, we can help you with your case and ensure that you are fairly compensated for your injuries.

What Types of Car Insurance Should You Consider?

Getting a car and driving is a great responsibility. That being said, many different types can make it even more confusing. 

Here are some types of insurance you should consider for your car. 

  • Liability. Liability insurance will pay medical bills for others injured in the accident. It will also protect you if you get sued. This is the minimum amount of insurance that is required by law. 
  • Collision. This insurance pays to repair or replace your car after you are involved in an accident. They may require collision insurance to protect their investment if they have a loan. 
  • Comprehensive. This insurance will cover damage that may occur when you are not driving. This may include storm damage or vandalism. Your loan may also require comprehensive insurance. 
  • Personal injury protection. This will pay for your medical expenses if you are involved in an accident.
  • Uninsured/underinsured motorist. This coverage will protect you if you are in an accident with someone who doesn’t have insurance (or just not enough). It will cover both damages to the vehicle as well as medical expenses. Not all states require this policy, though you may want to protect yourself by adding this to your current policy. 

Getting insurance for your car can be confusing. You may not be sure if you want the liability or if you want it all (or anything in between). For this reason, you should talk to a professional. 

If you want to ensure your car is fully protected, don’t hesitate to contact us today at Advantage Insurance Network in Cincinnati, OH. 

4 Optional add-ons to a Ohio auto insurance policy

Minimum auto insurance coverage is rarely enough.

Although the Ohio Financial Responsibility Law sets specific auto insurance requirements for all drivers, these only protect against bodily injury and property damage liability. Luckily, you’ve got options.

Advantage Insurance Network can help ensure you’re adequately insured. Located in Cincinnati, OH, the agency offers countless options to minimize your risk and ensure you’re adequately covered. While this isn’t the complete list of available options, Advantage Insurance Network lists four essential auto insurance add-ons.

Collision

As the name implies, this provides additional coverage that results from a collision. These benefits can pay for repair costs that result from physical damage, no matter who is determined to be at fault. Although this isn’t required by law, some lenders may mandate collision protection to get a loan.

Comprehensive

Any other physical damage to your vehicle is rolled into comprehensive coverage. This includes most non-collision incidents, including vandalism, theft, accidents involving animals, and weather-related damage. When combined with collision, this package of add-ons is often referred to as "full coverage."

Uninsured or underinsured motorist coverage

Unfortunately, not everyone follows the law. If you are involved with another driver who lacks proper or adequate coverage, you may be stuck footing the bill. Uninsured or underinsured motorist protection would kick in. This allows you to make claims with your insurer to supplement repair costs and liability.

Medical payments

Medical payments, also known as first-party benefits, reimburses for medical care regardless of who is at fault. Coverage limits will vary, so it’s important to discuss this with your agent.

Contact an agent serving Cincinnati, OH.

Advantage Insurance Network doesn’t just keep you legal. Most importantly, these make sure you’re adequately protected on the roadways. Inadequate auto insurance can leave you exposed. Schedule an appointment today.

The Importance Of Keeping Your Vehicle Insured

In Cincinnati, OH, car insurance is required by law. Failure to purchase car insurance will result in loss of license, hefty fines, and even possible jail time. However, avoiding penalties of law isn’t the only reason why car insurance is essential. Car insurance protects you and your vehicle from costs and damages from accidents to natural disasters. Here are the top reasons to keep your vehicle insured.

Car Insurance Protects You Financially

There are many costs associated with owning a vehicle, especially when you are involved in an accident.  Car insurance protects you against any fees that might occur relating to an accident. It will protect you from coming out of pocket for medical bills, legal expenses, and vehicle repairs.

Protects You Against A Lawsuit

Even if you are at fault for an accident and caused significant damage to another driver or property, having auto insurance will help protect you against claims made against you, including legal defense.

Car Insurance Helps You Protect Yourself

While liability is a requirement when operating a vehicle, many drivers drive without it. Having your own auto insurance will help you cover repairs and medical bills if you are involved in an accident with someone who does not have insurance or the means to cover your claims.

Helps Protect Your Passengers

If you are involved in an accident, car insurance will protect your passengers if they are injured. In addition, some policies will cover hospital visits, surgeries, and other medical expenses.

Peace of Mind

 Having car insurance will give you peace of mind knowing your expenses will be covered in case of an accident.

For more information on the importance of car insurance, reach out to the Advantage Insurance Network in Cincinnati, OH.

Is it time for your family to consider fleet auto insurance coverage?

Many families in the Cincinnati, OH area count on Advantage Insurance Network for all of their insurance needs. We are here to help you find the coverage that makes sense for your family. If you are looking for options for auto insurance, we can help. Fleet insurance is often a good choice for families with multiple drivers and vehicles, and we can tell you everything you need to know. 

Benefits of a fleet policy

Rather than carry individual policies for all members of your family, fleet coverage will cover everyone under the same policy. There are a number of different situations where fleet insurance is a more suitable choice than individual policy coverage. Our team of knowledgeable agents can answer all of your questions and help you decide on the most appropriate policy type and coverage level for your family.

With a fleet policy, all of your vehicles are protected You can rest easy knowing that you have a policy in place that will give your family drivers the protection they need. This type of policy can provide the collision and liability coverage you need, but with a single policy. With fewer insurance policies to keep track of, you can spend your time and energy focusing on your family! Now is a good time to review your family’s auto insurance coverage and see if a fleet policy makes sense for you.

Contact us today and find out more!

If you are a resident of the greater Cincinnati, OH area and want to understand all of the options available for your auto insurance, call or stop by today. The team at Advantage Insurance Network is here to answer your questions and help you find the coverage that is appropriate for your family’s needs.

Bundling Your Auto Insurance When You Marry

You have probably heard that when a couple gets married, you should combine their auto insurance policies. Ideally, this saves you money.

Sometimes though, you should not bundle because it would result in raising the insurance premiums. We want the happy couples of Cincinnati, OH to remain happy, so Advantage Insurance Network wants to explain the ins and outs of marriage and auto insurance.

When it works, the reduced rate on auto insurance comes from lowered risk and a multi-vehicle discount. You see, married couples drive safer. Getting married, statistics show, encourages you to drive more safely. The other part of the reduced rate is that you insure more than one vehicle on a single policy. Under normal circumstances, this results in up to a 25 percent reduction in premiums.

This assumes that both spouses have a pristine driving record. If one of you has incurred a number of speeding tickets or a DUI/DWI, the insurance of the good driver would go up if you bundle. High-risk drivers pay much higher premiums.

You may still be able to save a little money on premiums if you will move other insurance policies to the same carrier. This would require moving your homeowner’s or renter’s insurance and your life insurance all to the same carrier.

You need to consider the policies provided by both insurance companies. Read each policy statement carefully, so you know that both options would provide the same coverage and protection. It is not savings if your new policy does not cover the same items or cover them to the same level.

Call Advantage Insurance Network to talk to one of our agents serving Cincinnati, OH. Let us help you see how you can best bundle your auto insurance after marriage.

5 Things You Didn’t Know About Auto Insurance

If you live in the Cincinnati, OH area and need auto insurance, you want to make sure you get a trusted agent and the right policy for your vehicle and situation. At Advantage Insurance Network, we can help with that. We’re here to make sure you get the information you need, so you can make an informed decision about your vehicle policy needs. Then we can help you choose a policy that’s right for you. We work with several different insurance carriers, so you’ll have choices to pick from based on what you’re looking for. Here are five things you might not know about car insurance, that you’ll want to consider.

1. State minimums vary, but nearly all states have them.

2. You can raise your coverage beyond the minimum, but there are top-end limits, as well.

3. The type of vehicle you drive will affect specifics about your policy.

4. You should review and update your policy at least once every year.

5. Your agent is your very best resource for questions or concerns.

You don’t have to settle for less than a quality policy you feel good about. With the right car insurance, you can have plenty of peace of mind to help you feel better on the road. Contact us at Advantage Insurance Network today if you’re in the Cincinnati, OH area, and we’ll be happy to help you find a great auto insurance policy you can feel good about. That will help protect you and your passengers, along with others on the road. Call or stop in today, so we can work with you and make sure you’re properly protected. Your vehicle is important, and the right insurance policy is one of the best ways to help take good care of it.

Will my insurance cover the damages if I lend my car to my friend?

Cincinnati, OH is a great place to drive and there is a  lot to do and see. You know you need insurance to drive legally, but you may not remember all the rules, especially if you’ve been driving for a while.

Once you purchased your auto insurance from  Advantage Insurance Network, you probably didn’t look at your policy again. When your friends ask to borrow your vehicle, you need to know if the damages will be covered if there is an accident. 

The general rule is that the insurance follows the vehicle, not the driver. That means that usually damages are covered no matter who is driving. 

When You’re Not Covered 

There are several circumstances where you probably won’t be covered in the event of a crash:

  • Your friend doesn’t have a legal right to drive. It may seem silly to check your friend’s license status, but you could end up paying if you don’t. 
  • You didn’t give permission to the person driving your vehicle.  For instance, your son could allow a friend to drive your car without your knowledge or permission.  Or you could lend your vehicle to someone who lets someone else drive it.
  • The car was driven recklessly, such as at a very high speed. 
  • The car was used to commit a crime. Insurance companies will want to distance themselves from criminal activities. 

You want to follow the rules driving in Cincinnati, OH, and meeting insurance requirements is one of the most important rules of all. If you want to see if you can find a better policy to suit your needs, or if you have any other questions about your policy, please feel free to call Advantage Insurance Network today. 

Why Getting Auto Insurance from Your Insurance Agency is a Good Idea

When buying a new or previously-owned automobile from a car dealer, you will need to have auto insurance in place before the dealer will let you drive it off the lot. Most auto dealers will try their best to get you to buy auto insurance through their contacts. Everything that they add on to the purchase is more money in their pockets. They may get a commission, rebates, special incentives, or other things by placing new auto insurance through certain insurance underwriters and insurance agencies that they have an affiliation with. However, there are many reasons why it is not a good idea to get your auto insurance from the same place as you buy your car.

Talk with Your Agent For Best Results

One reason is that you add another middle-person in the transaction, which usually makes the same level of auto insurance coverage more expensive. Moreover, you may never get to talk with an insurance agent to get the personal, high-quality customer service that you deserve.

You can avoid these troubles by simply calling your agent at Advantage Insurance Network, serving Cincinnati, OH and the surrounding area, when you are getting a new car. In fact, you can call your agent when you are thinking about which car might be best to buy so that you can also compare the insurance premiums for the different choices.

More information is always helpful when making a major buying decision such as get a new vehicle. Different vehicle makes and model years have different insurance requirements. Knowing upfront what your monthly costs will be, makes you a better- informed consumer. Also, if the vehicle has some problems with insurance claims for a specific vehicle or model, your agent can inform you about these things.

Get a Quote While You Shop

So, as you are shopping for a new vehicle or a previously-owned one, just call your insurance agent at Advantage Insurance Network in Cincinnati, OH to get a quote. Everything can be handled quickly and easily so you are ready with auto insurance coverage when you want to drive your new vehicle off the lot.