Cincinnati

Is Your Cincinnati, Ohio Business Insurance Keeping Pace?

Posted on by AgentInsure

We have seen some big changes to Cincinnati, Ohio in recent years. Industry has expanded, retail is growing, and the Riverfront has undergone a facelift. There have been significant changes to our area highways and our sports stadiums. Many areas are rebounding from the recent recession and many businesses are growing and doing well.

If you have a business in the Queen City, is your commercial insurance keeping pace?

You can outgrow your business insurance in many ways. Perhaps you were previously leasing but have decided to purchase a building. Maybe you carry more inventory than you used to. You may have made investments in new machinery, electronics and computers. Maybe overall, you simply have more at stake. All of these can factor in having business insurance that may no longer cover you adequately.

The best solution is having a commercial insurance review. Advantage Insurance Network is an independent insurance agency serving the Cincinnati area. As independent agents, we can review your insurance, no matter who the original underwriter was. If you choose, we can scour multiple insurance providers finding the best coverage for your commercial insurance dollar. If you haven’t had an insurance review in a while, now is the time to contact us.

If you would like to compare rates for your personal insurance, visit our website. Here you can easily get comparative quotes on your homeowners or auto insurance. For a business insurance quote, contact us directly.

We have seen it all in Southwest Ohio. Advantage Insurance Network is proud of our area and our resilience. As we move forward again, make sure your business insurance is keeping up. Contact us for your free, no obligation commercial insurance review. We look forward to talking with you.

Is A Sinking Foundation Something That Could Happen In Cincinnati?

Posted on by AgentInsure

Cincinnati, Ohio is a bustling metropolitan with a lot to offer. Homes can be located within the city or on the outskirts. While some of the homes are older, there has been some new construction as well. Residents can look forward to the ballet, theatre, and a variety of other entertainment options throughout the city.

When you are ready to buy homeowners insurance, you have to know what kind of coverage to be on the lookout for. The standard insurance will protect you against the most common things, such as fire, flood, and burglary.

However, there is the possibility of a sinking foundation. This is when the land around your home gives too much and your foundation starts to collapse. This can affect your porch, the structure of your home, and even create cracks along the walls.

The reason that a sinking foundation occurs varies. Most common reasons include:

– Poor site preparation

– Too much moisture on the land

– Lack of good drainage

Whatever the reason, it is possible to experience such a problem with your home in Cincinnati. This is why it’s recommended that you look for this kind of coverage on a homeowner’s insurance policy. If something like this does happen, you can call the insurance company and file a claim. They will have someone come out to identify what’s going on and get to work on fixing it. All you have to pay is the deductible attached to your policy.

You have to prepare for the unexpected and that’s why homeowner’s insurance is a necessity. You have options and we have agents that will guide you through the process. All you have to do is place the call and we will work to find you the needed coverage in Cincinnati.

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.

5 Reasons You Should Buy from an Independent Insurance Agent in Cincinnati, Ohio

Posted on by Lewis Smith

Today, there are many choices when buying insurance. You can buy direct from companies like Progressive or GEICO. You can buy from captive agents like State Farm, Allstate, or Nationwide. But buying from an independent insurance agent, like Advantage Insurance Network, offers many distinct advantages. Here are some of them:

  1. Choice – Unlike direct or captive companies, independent insurance agencies sell for multiple insurance companies. When you call State Farm, you will only get one insurance quote. When you call an independent agent, they will shop your insurance with multiple companies and find you the best combination of price and coverage. Independent agents work for you and are not obligated to present policies from one insurance company. Discounts vary from company to company, so having an independent agent will ensure that you get all the discounts you deserve.
  2. Channel – Many companies have offer products through more than one channel. For instance with Progressive, you can either buy direct or through an independent agent. While buying direct may seem appealing, why not let an independent agent shop your insurance through Progressive and many other companies at the same time? Agencies like Advantage Insurance Network in Cincinnati, Ohio offer instant quotes directly on their website much like many of the direct writers. Another example is Allstate. Allstate now offers their products through captive agents and independent agents. Is there any benefit to calling an Allstate captive agent versus an independent agent representing Allstate?
  3. One Stop Shopping – Many independent agencies offer a full line of insurance products. While Progressive can write your auto, home and toys, they do not offer life and health products. So while Progressive may have the best rates on your auto insurance, they may not on your home and they don’t even write life. An independent agent could be your agent on all of your insurance needs even if they are with multiple companies. This can help reduce the risk of gaps in your coverage among different companies.
  4.  Personalized Customer Service – Independent agents can help you with your policies and offer you advice. Independent agents can help you with anything from billing questions to help filing a claim. A good independent agency will review your policy on a regular basis. And as your situation and life changes, they will be sure that your current company still represents your interests best. This eliminates the need for you to do this yourself.
  5. Local Knowledge – Independent insurance agencies are local businesses in your community.   They live and work near you and understand the community. When you call a large company like Progressive or GEICO, you will be just another number. When you call a local agent like Advantage Insurance Network, they want to get to know you and understand where you live.

Insurance is complicated but it doesn’t have to be. Working with an independent insurance agency, offers many advantages that can’t be achieved direct or through captive agents. Let the professionals at Advantage Insurance Network, handle all your insurance needs. To experience the difference, visit www.myadvantageinsurance.com.

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.

About Advantage Ins Network in Cincinnati, OH

Posted on by AgentInsure

Every insurance agency requires top-rated services, self-selected missions and premium insurance policies to maintain a surrounding community. We intend to deliver the best-possible features of Advantage Insurance Network in Cincinnati, OH, and we intend to offer individuals low costs with fantastic benefits.

High Dedication, and Incomparable Services

Where old-fashioned services are considered, a viable insurance agency assists its customers through time-tested and true practices. Visitors are important, and each Advantage Insurance Network services has been adequately streamlined to offer the following amenities:

  • High responsiveness
  • Experienced staff
  • Individually tailored insurance programs
  • Practical, accurate information about policies

On an Agent Level, and Into Custom Involvement

Each agent is selected to offer specified services, and every individual’s interests are maintained through complete transparency. Clients are always notified about policy changes, claim reports and billing information, so representatives and clients are on the same page, always

Where independence is considered, Advantage Insurance Networks provides quick rate checkups, coverage options and direct options. Better rates are always viable, and each option grants individuals complete flexibility when selecting their packages.

A One-Stop Shop for Insurance Needs

Many forms of Ohio insurance are provided, and each is delivered beneath one roof, with a unified staff, and to a surrounding beneficiary community. The following lines of insurance are offered, all to your benefit:

  • Auto insurance
  • Renters insurance
  • Homeowners insurance
  • Health insurance
  • Annuities insurance
  • Life insurance
  • Business insurance

No Hidden Surprises

Again, licensed agents are always on-hand, and we’re always ready to assist your every need when surveying options. Ohio is well-regulated by overarching, state-by-state, laws, and each coverage option may appear unilateral at first glance. However, several mechanics may work differently on different levels, and individuals are always urged to contact us for more information. Insurance is always available, and many options, when researched, yield wonderful amenities.

Commercial Insurance Rates in Cincinnati, OH

Posted on by AgentInsure

As the owner of a commercial property in the Cincinnati, OH area you may be wondering how to get the best commercial insurance rates. This actually depends upon several different things, but there is one thing that every commercial property owner can do that will always allow for access to the lowest possible commercial coverage prices. The best thing you can do when you want good commercial insurance rates is to compare.

There are almost countless insurance providers out there today, and they are most decidedly not all created equally. You can get nearly identical policies from multiple insurance providers today, but you might be astonished at just how much the rates on these commercial policies can really vary. This is the reason that comparison is so vital. No matter how much money you may have to devote to insurance, it just makes no sense to spend more than you really need to.

An independent insurance agency can be your best friend when you are trying to get the insurance quotes that you need to make accurate commercial policy comparisons. Independent agencies don’t work for one large insurance provider. Instead, they work for themselves and enter into partnerships with dozens of different large insurance providers, forming a working relationship with each of them so that they can secure policy quotes for their clients.

In most cases, an independent insurance agency will generate at least three different commercial policy quotes for you to compare and consider. This will allow you to make sure you’re getting the lowest rates, and will allow you to verify that your commercial coverage is comparable to that being offered by other insurance providers.

Don’t allow yourself to get stuck with high rates and poor coverage in your commercial policy. Instead, you can compare quotes on the Web through Advantage Ins Network. We will give you multiple quotes in only minutes so you can easily find the best rates and policy!