Does my auto insurance cover business travel?

Insuran LLC offers a range of auto insurance products to Central Ohio residents, and we want to help you choose the best one for your needs. The right insurance policy can provide coverage for your typical driving situation.

Personal Auto Insurance

An auto insurance policy provides coverage for pleasure driving. If an individual occasionally uses their vehicle for business – for instance, driving to an out-of-town conference, their policy typically covers this. A personal auto insurance policy will cover an individual as long as their everyday driving consists of commuting to and from work, running errands, and driving for personal reasons.

When You Need Commercial Auto Insurance

Those who use their vehicle daily for business purposes, outside of their regular commute, should consider purchasing commercial auto insurance. Personal auto policies typically do not cover commercial activities such as cake deliveries or dry cleaning pickup. Using a vehicle for business purposes under a personal auto insurance policy can be risky – if an accident occurs, you may find that your insurance does not provide coverage.

How Your Insurance Agent Can Help

Our Insuran LLC insurance agents are here to help you decide which auto insurance coverage is right for you. If your driving needs have changed, we invite you to request an insurance review. Our agents will guide you through a series of questions to determine which options provide the best protection for you. We then provide a quote for coverage. Please note that your current insurance will remain in effect throughout this process, ensuring continuous coverage for the personal use of your vehicle.

Depending on your needs, you may require both personal and commercial auto insurance policies to be fully covered while driving in Central Ohio and beyond. We will do our best to help you maintain a policy with an affordable premium while ensuring you’re fully covered. Contact us today for more information.

The Best Time for an Auto Insurance Update

At Insuran LLC, we know the importance of having good auto insurance. If you’re in the Central Ohio area and looking for a quality policy from trusted agents, you’ve come to the right place. We can also help you update your insurance because it’s a good idea to make sure your policy is the right one as your needs change. If you haven’t updated anything for a while or had a policy review, the best time is now.

Ideally, you should update or at least review your vehicle policy every year. You can do that by working with your agent to get quotes from multiple companies so you can choose the one that’s right for your current situation. That might be the one you already have, but sometimes it’s a different policy from another insurer. Your agent can help you shop around based on any factors that are important to you so that you can get quality coverage you feel good about.

Another important time to update your car’s insurance is when you make a change to your vehicle or household. If you trade your car in or buy another one, or you have a child who’s now old enough to start driving, you need to make sure your policy is updated. Our agents can help you make that change to your policy, giving you a more accurate quote and helping ensure that your vehicle and family are protected.

Contact us today if you’re in the Central Ohio area and need to update your auto insurance. At Insuran LLC, we understand how valuable the right coverage can be, and our agents are dedicated to working with you to get the protection and peace of mind you’re looking for.

Insurance Tips for Car Buyers

In Central Ohio, car lots are everywhere, giving car buyers thousands of cars to choose from.  A new car or a "new to you" previously owned car is exciting. Some buyers may be first-time drivers, while others have been driving for a while. Either way, you’ve probably spent a significant amount of time deciding which car to buy. But what about car insurance? It can be confusing when purchasing a policy for your new car. However, by following a few tips for car buyers, you can choose your insurance, required by law in Central Ohio, with confidence.

Insurance Tips for Car Buyers

Buy Insurance First

Buying the car first and then buying insurance is frequently a mistake. Some dealers won’t cover the new car once it is purchased and driven off the lot. You may have insurance on a prior car, but don’t assume it covers the new car. Purchasing the car first can result in having a policy that doesn’t cover the new car completely. Then you may have to buy more insurance than planned, causing problems making the car payment.

Understanding Limited Liability

Ohio is a limited liability state. That is, your car insurance will have to meet Ohio laws regarding how much liability you are responsible for. It limits this amount to a lower basic amount covering what will be paid out in an accident. If damage is more than that limited amount included by law, you will have to cover it yourself. Auto insurance agents can suggest options for further liability coverage.

Add the Policy Yourself         

Car dealers rarely add your insurance. So always check and add your policy yourself to avoid driving illegally.

Insuran LLC can answer any questions you have about new car insurance. Call us today!

Do I need to file a police report if I am in an auto accident in Central Ohio?

If you drive in Central Ohio, you need to have a driver’s license and insurance and follow certain rules. Under Ohio law, there are steps you have to take if you are in an accident. You should always be prepared to exchange information with all the other involved parties, even if there are multiple cars involved. Knowing what to do ahead of time will make a stressful situation easier. At Insuran LLC, we want to make sure you have the information you need to make the best choices.

Legal Reporting Requirements

Before you do anything else, make sure no one needs immediate assistance and move out of the way if you are in a dangerous place. Then think about making a report. In Ohio, you are only required to make a police report under certain conditions:

  • If there was property damage of at least $1,000.
  • If someone was seriously injured.
  • If there was a fatality.

Failure to comply with the rules could lead to serious consequences. You could also face fines and/or the loss of your driving privileges if you are found to be uninsured at the time of the accident.

Making a Report Is Usually Your Best Option

Your safest bet in Central Ohio is to always call and ask for a police report. If no one is injured, you can call the nonemergency line and let them know that you are waiting with the other driver. The officer will collect everyone’s information and make a report. You can report the accident to your agent at Insuran LLC, and we can help you with your next steps. If you have any questions or if you want to make sure you have enough coverage, please feel free to call today.

Aside From Cell Phone Usage, What Other Things Fall Under the Umbrella of Distracted Driving?

Distracted driving is a leading cause of automobile accidents. When people hear the term distracted driving, they often envision someone doing something on their cell phone, such as texting or talking. However, while cell phones can lead to distracted driving, there are more instances of the same. Insuran LLC serves the greater Central Ohio drivers with auto insurance which comes in handy in cases of accidents, so we are well-versed with the various causes.

Here are some more examples:

Eating or Drinking While Driving

One of the most common examples of distracted driving is eating or drinking while driving. Your hands may be full, and you may be focused on your food instead of the roads. 

Playing With the Radio While Driving

Changing the radio station or trying to skip songs is another example of distracted driving. If you must change the radio station, do so when you are at a complete stop at a red light. 

Paying Attention to Your Children While Driving

If you have children in your car, you can easily become distracted while driving. As hard as it can be, try to avoid looking back at a screaming or yelling child. If your child needs immediate attention, pull over into a parking lot to tend to the child instead of doing so on the road. 

We Are Here To Help

Anytime you are focused on something else aside from driving, you are a distracted driver. Being a distracted driver can greatly increase your chances of being involved in an automobile accident, so when you are driving, you need to ensure your focus is on the road.

Here at Insuran LLC, serving the greater Central Ohio area, we are here to help you with auto insurance. If you are looking for an estimate on a new policy or you have questions about your existing policy, we can help. Call or email us today to learn more.

Tips to improve your gas mileage

Gas mileage is a major concern for many drivers here in the Central Ohio area, especially in times of rising fuel costs. Fortunately, there are several simple steps we at Insuran LLC recommend you can take to help improve your gas mileage and get the most out of every mile you travel. 

Tips to improve your gas mileage

First, make sure your car is properly maintained and kept up to date on routine maintenance services like oil changes and tire rotations. A car that’s in good shape runs much more efficiently than one that isn’t well taken care of. Additionally, regularly check your air filter – a dirty or clogged filter can significantly reduce fuel economy. 

Second, drive smarter – avoid sudden stops and starts and try to accelerate gradually. This will not only save you money on gas but also help improve your safety on the road. You should also plan ahead as much as possible when driving; if you know where you’re going beforehand, it’ll be easier to take the most efficient route with the least amount of stops. 

Finally, use cruise control when driving on highways or other long stretches of road. Doing so will help you maintain a consistent speed and save fuel in the process. And if available in your vehicle, use eco-mode or another type of fuel-saving feature designed to reduce emissions and boost gas mileage efficiency. 

Don’t Be Without Auto Insurance

By following these simple tips, you can dramatically improve your car’s gas mileage and make your daily commute more economical! For more tips on how to improve your gas mileage, or if you have any questions about your auto insurance policy, call us at Insuran LLC today. We are proud to serve the Central Ohio region and would be glad to help you.

Four things not to do when you buy auto insurance

You need to make the right choices and go through all the key steps when you buy insurance coverage for your vehicle in Central Ohio. Our team of insurance experts at Insuran LLC can help you to find the coverage that you’re seeking.

Here are four things not to do when you buy auto insurance:

Putting inaccurate information on your application for auto insurance

Honesty is always the best policy when you purchase insurance from an auto insurance company.

You can count on your insurance company checking your driving record before they sell you an insurance policy. That’s why you shouldn’t try to hide any infractions on your driving record. 

Failing to use the Internet when you’re doing auto insurance research

You can find policy quotes and info about auto insurance on the Internet.

There is plenty of information about auto insurance on the Internet, so you should definitely take advantage of online resources like comparison sites when you’re looking for an auto insurance policy. 

Being uninformed about auto insurance types and options

Auto insurance coverage is a broader insurance category that is made up of various insurance types. These include liability, collision, and comprehensive coverage. There are a few other types of coverage in the auto insurance category as well.

Know what your insurance options are so that you’re confident that your policy includes the insurance you want and need. 

Being unaware of deductible amount options

You get to choose from various deductible amount options when you buy auto insurance.

Buying a policy with a low deductible makes it less expensive to file a claim, but more expensive to pay your premium every month. 

Contact Us Today

You can rely on us at Insuran LLC to help you get the auto insurance you need in Central Ohio. We’ll be happy to provide you with a policy quote!

What Are The Common Exclusions In Auto Insurance Policies?

If you’re looking for auto insurance, it’s important to know what is and isn’t covered in your policy. There are several exclusions that are common among auto insurance policies, and it’s important to be aware of them before you sign up.

Here are some of the most common exclusions in auto insurance policies

Mechanical Breakdowns

Auto insurance policies typically exclude coverage for mechanical breakdowns. This means that if your car breaks down and needs repairs, you’ll have to pay for them out of your own pocket. To avoid being caught off guard by this exclusion, it’s a good idea to create a savings fund that you can dip into in case of an emergency.

Wear and Tear

Another common exclusion in auto insurance policies is wear and tear. This refers to the gradual deterioration of your vehicle over time. Since this is something that happens to all cars eventually, most insurers will not cover it. If you want coverage for wear and tear, you may need to purchase a separate policy or rider.


Most auto insurance policies will exclude coverage for any modifications you make to your car. This includes things like aftermarket parts, custom paint jobs, and upgraded stereo systems. If you have modified your car in any way, be sure to check with your insurer to see if you are still covered.


Auto insurance policies will also exclude coverage for any racing activities. This includes both legal and illegal races. If you’re caught racing, your insurer may choose to cancel your policy altogether. You need to consult a professional insurance provider such as Insuran LLC in Central Ohio to see what can be done if you like to race.

Give Us A Call

As you can see, there are quite a few exclusions in auto insurance policies. Some of them are more common than others, but all of them are important to be aware of. Insuran LLC in Central Ohio is here to help you make sure that you have the coverage you need and that you understand your policy. Give us a call today! We would be more than happy to answer any of your questions.

What types of auto insurance coverage can you choose for your vehicle?

Not every vehicle requires the same auto insurance. You have choices when you choose your auto insurance. The state mandates one type of auto insurance and your lender or lessor may require two others. At Insuran LLC in Central Ohio, we personalize your auto insurance for you and your vehicle. We make sure you have the coverage you need from one of the carriers that we have available. 

Types of auto insurance coverage


Liability is the auto insurance that is required by the state of Ohio. The amount that is mandated by the state is 25/50/25. This protects other drivers from you. If you are responsible for the accident, you will have to pay for bodily injury and property damage. The basic is not enough for anyone who has more than a very basic amount of assets. The recommendation is 100/300/100. 


If you cause an accident, your vehicle may also be damaged. As a matter of fact, it may be a total loss. If you have a car loan, you need this coverage; and even if you don’t have a car loan, if your vehicle is relatively new, it is worthwhile to carry this insurance if you count on your vehicle. 


Comprehensive is also required if you have a car loan. It is non-collision damage, usually referred to as damage that is beyond your control. After all, you can’t control the weather. Hail can damage your paint, and heavy winds can send three branches crashing into your vehicle. If your car is stolen or vandalized, this is the insurance that covers it. It also includes glass coverage if you get a stone on your windshield. 

Contact Insuran LLC in Central Ohio to get the personalized service that only an independent insurance agent can give.