Auto Insurance

What Happens If I’m Hit In A Parking Lot In Delhi?

Posted on by AgentInsure

Delhi, Ohio is a township located on the west side of Cincinnati. The population is around 30,000, though many people choose to live here because of affordable home prices. In 2014, Delhi was named the 18th safest neighborhood in Ohio.  Further, there is not as much traffic. Plenty of people make the commute and that’s because most of the attractions are within the metropolitan area.

If you get hit in a parking lot in Delhi or anywhere else, you want to know that you are protected. You may or may not find out about the car who actually hit you. Car insurance should be able to take care of the claim, but only if you have the right kind of coverage.

Anytime you buy automobile insurance in Ohio, you want to look at your options. This is why it can be advantageous to work with agents. Our goal is to help you get the best possible coverage in Delhi so you are protected while your car is in a parking lot, on the roads, or even parked in your driveway.

Comprehensive insurance is the additional coverage that you can get on your policy to protect when you’re not behind the wheel. The state of Ohio requires you to have liability insurance, but this is only good for when you’re on the roads. If you’re hit in the parking lot while you’re doing your grocery shopping or a shopping cart hits your side mirror, you will want to file a claim with the automobile insurance and know you’re not going to have to pay.

Make the call today and talk to one of our independent agents. We will help you to get a policy in Delhi so you have peace of mind that you have protection regardless of whether you’re on the road or in a parking lot.

Bundling Your Auto, Home, and Toys with Progressive Insurance Can Save You Money

Posted on by Lewis Smith

Advantage Insurance Network in Cincinnati, OH is a Snapshot Certified agent representing Progressive and their partner, Progressive Home Advantage (underwritten by ASI). By now, I’m sure you have seen a Progressive commercial with everyone’s favorite spokeswoman, Flo, talking about the perks of bundling your auto and home insurance. By having all of your policies with Progressive, it helps reduce the potential for gaps in coverage. But, most importantly, it saves you money. In fact, Progressive gives a discount based on the number of policies you have with them. Do you know all the different types of policies that Progressive can write?

  • Auto
  • Homeowners/Renters/Condo
  • Mobile Home
  • Motorcycle
  • Boat
  • Personal Watercraft
  • Recreational Vehicle
  • Snowmobile
  • Travel Trailer
  • ATV
  • Golf Cart
  • Segway
  • Classic Car
  • Umbrella
  • Commercial Auto

Bundling your Progressive policies with an independent agent like Advantage Insurance Network gives you the extra benefit of having someone local to help with questions and concerns. Call us today or visit our website 24×7 at www.myadvantageinsurance.com to get started on your Progressive auto and home insurance bundle with Advantage Insurance Network.

5 Ways to Save Money on Your Auto Insurance in Cincinnati, Ohio

Posted on by Lewis Smith

Advantage Insurance Network in Cincinnati, OH is an independent agency that prides itself on helping its customers get the auto insurance coverage they need at the price they deserve. Below are the top five ways you can look at today to help save money on your car insurance.

  1. Multi-policy – Bundling your auto insurance with a homeowners or renters insurance policy can save up to 20% on your premium on both policies. Having both policies with the same insurance company can also help prevent dangerous gaps in coverage.
  2. Shop in advance – Many companies offer “Advance Purchase” or “Advance Quote” discounts for new customers. Thinking about and shopping your insurance around in advance of your renewal date shows a responsibility level companies like to reward. Companies can offer discounts anywhere from 3 days to 21 days in advance of your policy start date. This discount can be up to 10%.
  3.  Consider Installing a Monitoring Device – Many companies are now offering a discount for installing a monitoring device in your car. Most track mileage, time of driving and hard braking. Think you’re a good driver? This is the easiest way to get the discount you think you deserve.   This discount can be up to 30%.
  4. Ask if your company offers an e-policy or paperless discount – If you are reading this blog, chances are you have an email address you check regularly. Many companies now offer discounts for customers choosing to receive policy documents via email instead of through the USPS. Typically this discount is 5%.
  5. Buy your policy from an Independent Agent who can shop your insurance for you – Nobody wants to spend hours on the phone, repeating the same information over and over to get quotes from different companies. Advantage Insurance Network represents over a dozen companies. Just call us or visit our website (www.myadvantageinsurance.com) and give your information one time. That’s all it takes to get multiple quotes from top rated companies.

If you think you could benefit from any of these discounts, give Advantage Insurance Network a call. We can help you review your auto insurance policy to make sure you are not leaving any potential discounts on the table.

4 Things To Ask Agents About When Getting Quotes In Cincinnati

Posted on by AgentInsure

Many people flock to Cincinnati, Ohio because of the many opportunities for homes as well as small businesses.  When you want to purchase automobile insurance for you and your family, there are some things you need to ask agents when you get quotes.

1. What coverage do I need?

You must meet minimum standards in the state of Ohio, though there are other options that you need to consider as well. You want to look at increasing the liability standards and obtaining comprehensive and collision insurance, too.

2. Is the company reputable?

The insurance company you go with needs to be reputable. They should be known in the state and have a good track record of paying claims in a timely manner. This ensures you never have to wait too long for repairs to be made.

3. What’s the best price?

Ensure you get quotes to get the best price. Comparison shopping is a must so you know what the various premium prices are from the many companies.

4. Am I getting all discounts?

Discounts can be obtained for being a homeowner, a good student, for commuting less than 10 miles, and for being a member of different organizations.

Once you have talked with an agent about automobile insurance in Cincinnati, you can be confident that you are getting the most affordable and most comprehensive policy for your money. As you drive, it’s easy to have peace of mind.

Our agency will help you to get quotes. Call today and let one of our agents guide you through the simple process of buying good automobile insurance.

Can I Save Money with Progressive Snapshot? How does a Tracking Device Save Money on my Car Insurance?

Posted on by Lewis Smith

All drivers are not the same. So why should you be lumped in with everyone in your age group? Or zip code? At Advantage Insurance Network in Cincinnati, OH we strive towards an individual experience. Insurance companies have realized that driving habits can vary greatly from person to person, household to household, and have come up with ways to reward good driving behavior. Here are a few examples from the companies we represent:

 

Progressive – Snapshot

Progressive’s Snapshot device measures mileage, the time of day you drive and hard braking. It is NOT a GPS device.   When you are enrolled in the Snapshot program, you can follow your driving behavior online and track your discount.

The average customer savings with Progressive’s Snapshot device program is $150 per year.

Your rate will not increase with Snapshot. A discount of up to 30% is applied at a vehicle level and will stay on your policy as long as your vehicle stays on the policy. An initial discount is applied after your first 30 days with Snapshot and after one policy term, your final discount is applied.

 

Travelers – Intellidrive

Travelers Intellidrive program gives you a discount based solely on the number of miles you drive. If you drive less than 13,000 miles a year you can get up to a 30% discount.

A 10% discount is added to your first policy term just for adding Intellidrive to your Travelers auto policy.

Teen driving with Travelers Intellidrive – Travelers Intellidrive allows parents to set up guidelines for how and where a car is driven. Parents can then set text or email alerts to know when the car is being driven outside these limits. Want a text message when your teen drives over 55mph? Sign up for Travelers Intellidrive. Want an email when your teen drives outside of the 30 mile perimeter you have set up? Sign up for Travelers Intellidrive. Parents can be reassured of good driving behavior even when they are not in the car.

When you log onto your online account you can track how and where the car is driven to better understand and improve your driving habits.

 

Allstate – Drivewise

Allstate’s Drivewise device measures mileage, your driving time of day, hard braking, and speeds over 80 miles per hour.

Allstate savings start as soon as you install the Drivewise device in your car. You can earn additional savings every six months with each Allstate policy renewal. Allstate Drivewise discounts are applied per vehicle.

Allstate Drivewise data can be accessed through your smartphone.

In order to maximize your discount with Allstate’s Drivewise program, you should average driving 25-30 miles or less per day, avoid driving over 80mph, avoid late night driving and maintain a safe driving distance between your car and the car in front of you to avoid hard braking.

 

Metlife – My Journey

Metlife’s My Journey device measures mileage, the time of day your car is driven, braking, speed, acceleration and cornering.

Metlife’s My Journey device is kept in your vehicle for 24 months. You can earn a discount of up to 30%. This discount is kept on your policy for as long as the car stays on the policy.

You can create an account on Metlife’s website to monitor your My Journey device that will allow you to track driving behavior and modify any potential bad driving habits that would go against your final discount with them.

 

If you think you could benefit from any of these discounts or are interested in learning about other potential discounts you could benefit from, contact us at Advantage Insurance Network in Cincinnati, OH. Or you can visit our website at any time at www.myadvantageinsurance.com.

 

Buy Cheap Auto Insurance Policy in Cincinnati, OH

Posted on by AgentInsure

All drivers need auto insurance to protect their financial interests when operating a motor vehicle. We make it easy to shop and compare car insurance in Cincinnati, OH by simply logging onto our website, entering your information and generating a free, no obligation quote.

Keep in mind that auto insurance is not optional in Ohio. In fact, the consequences of driving without car insurance in OH are significant, ranging from a 90 day to 1-year suspension of your license. The state may even impound your vehicle after multiple offenses. At our office, we can help you find a policy that not only meets the state’s minimum property and bodily injury liability coverage requirements, but also helps pay your own medical bills and personal property repairs following a collision or other covered event.

Accidents are never planned for — they are always unexpected. Waiting until after a collision or other accident has occurred could be too late. That is not the time to find out if your insurance policy is lacking vital coverage. We encourage all drivers to know exactly what their policies cover and review them twice annually to ensure the same or better coverage cannot be found at a more affordable rate.

Shop and Compare Ohio Auto Insurance Today

Our agents simplify the insurance purchase process and help ensure you never have a lapse in coverage. Our goal is to see every Norwood area driver get the coverage they need at a price they can afford. Our helpful agents have assisted many area residents in identifying gaps in existing coverage and lowering monthly premiums. If you are currently without car insurance or have not compared rates within the last six months, don’t wait to get the coverage you need. Request your free quote today.