Category: Auto Insurance

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.

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.

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.

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!

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.

Modifications

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.

Racing

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.

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

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. 

Collision

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

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.