Do You Need Full-Coverage Auto Insurance?

In many cases, whether you need a full-coverage auto insurance policy isn’t a simple yes or no question. You’ll want to consider some specifics before deciding how much coverage meets your needs. If you’re in the Cincinnati, OH, area, Advantage Insurance Network can help you get the information you need to choose the best policy for your situation. Then, you can drive and enjoy your vehicle with peace of mind and a feeling of confidence for the road ahead.

One reason you might need a full-coverage policy is having a lienholder. Your car’s lender wants to protect themselves from loss if there’s a claim made or damage to your vehicle, and they do that by requiring you to have a full-coverage policy. That includes at least the minimum requirements for liability, along with comprehensive and collision protection, too.

Many people keep full coverage on their vehicles even if they don’t have a lien on them, and that could be the right choice for your situation. You’ll need to consider the value of your current vehicle, how easy it would be for you to replace it, and other factors. How much you drive and what your commute is generally like every day may also be important to consider, so you want to talk with your agent about everything.

Contact us at Advantage Insurance Network today if you’re in the Cincinnati, OH, area and have questions about full-coverage auto insurance. Whether you’re considering adding or removing coverage on your current vehicle or you’re looking into buying something new, you want to make sure you have the right protection and understand the requirements. Our agents can help you with that so you can just enjoy driving your car.

Required Auto Insurance in Ohio

When you own a vehicle in Ohio, you are legally mandated to have an auto insurance policy. Going even a day without this coverage is never a good idea. It’s essential to get your insurance while you buy your vehicle to register it legally, and you won’t be driving home without the coverage you need. Call us at Advantage Insurance Network in Cincinnati, OH to get your auto insurance. 

Liability Coverage in Ohio

When you’re an Ohio driver, you are required to have a couple of types of liability insurance. Three total coverage amounts have to be in your policy. You have to have at least a certain amount to pay for one person’s expenses after being injured in an accident you’ve caused. There is also a different minimum amount required to be in place for all injured people. These two liability amounts must be accompanied by an amount for the damage to someone else’s vehicle or other property after you’ve caused an accident. While these are required, you can also get other types of coverage that will leave you better protected against the costs of accidents. 

Added Coverage

If you want your vehicle’s damages to be paid for after you’ve caused an accident, you need to get collision coverage. This pays for your own repair or replacement bills after an accident. Your vehicle can also face risks when you aren’t driving it. To be covered against those risks, you need comprehensive coverage. With all of these types of auto coverage, you can drive knowing that you’re well-protected. 

Get Auto Insurance from Advantage Insurance Network

You have to have auto insurance in Ohio and have proof of it. Call us at Advantage Insurance Network in Cincinnati, OH to get your coverage.     

Buying Your Auto Insurance from the Same Agency as Your Other Insurance

Forget coupons and rebates when it comes to insurance. Instead, bundle all the types of insurance you need with one carrier.

Why should you buy your auto insurance from the same agency as your other types of insurance? Because you typically earn a discount on the total package.

Insuring Every Aspect of Your Life in Cincinnati, OH

At Advantage Insurance Network, we want you to have the necessary insurance coverage. Sometimes, people think they need to forgo a particular insurance policy due to their finances. We’re here to tell you that by choosing one company for all your insurance needs, you can save money on all policies.

Those commercials that say such and such company bundles insurance talk about something every insurance company does. You don’t have to switch to those guys to get a money-saving insurance bundle. Advantage Insurance Network offers those, too.

What Can You Bundle?

As long as we sell that type of insurance, you can add it to your bundle. Most people have auto, home, life, and health insurance through us. That bundle covers pretty much everything personal. We also offer commercial insurance, so if you own a business, such as a bar, restaurant, dental office, or consultancy, we can help you create a bundle. We offer commercial insurance for every type of business. Do you need Medicare insurance? We handle that, too.

Contact Advantage Insurance Network Today

Start saving money today! We can help you make life in Cincinnati, OH, cost a little less while covering your life’s various aspects with insurance. Don’t choose between auto and life insurance. Bundle your insurance so you can save money on everything! Contact Advantage Insurance Network in Cincinnati, OH today to create your bundle of joy.

Motorcycle insurance FAQs

Here are some of the top questions people have asked about motorcycle insurance.

Motorcycle insurance FAQs

What motorcycles cost the most to insure?

A sports bike is the type of motorcycle that costs the most to insure. Like with other types of insurance, your motorcycle insurance costs depend on many factors. The kind of motorcycle that you own is one of those deciding factors. 

Why is motorcycle insurance so low?

Motorcycle insurance is cheaper because it costs less for the insurance company to cover motorcycles. Since motorcycles are significantly smaller than a car, they cause less damage and are easier and cheaper to repair.

Does motorcycle insurance cover dropping the bike?

It depends on what type of coverage you have for your policy. If you only have liability coverage, your dropped motorcycle will not be covered. It is a good idea to check the extent of the damage to decide if it is even worth filing a claim. If the damage is extensive and you file a claim, it will be filed under comprehensive and collision coverage.

Is it worth it to insure a motorcycle?

Yes, it is worth it to insure your motorcycle. Most states require you to have liability coverage. You could get a fine and lose your license if you don’t have the minimum requirements. If you use your motorcycle a lot, it is also beneficial to have comprehensive coverage, collision coverage, and uninsured motorist coverage. Without these, you would have to pay for everything out of your pocket, which could get expensive.

Contact Advantage Insurance Network

Contact us for more information about motorcycle insurance at Advantage Insurance Network in Cincinnati, OH.

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.


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.


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.