Skip to content
Click to Call
McCluskey Insurance Services, LLC

9162 Union Cemetery
Cincinnati, OH 45249

Get Directions

Insurance Blog

Auto Insurance FAQs

Making sure you have the right auto insurance isn’t always easy. Getting advice you can trust is as easy as talking to your independent insurance agent. You can count on McCluskey Insurance Services LLC in Cincinnati, OH for good advice. Our team is dedicated to making sure you get the best insurance at the best price, which is what you should expect from your friendly agent. 

Auto Insurance FAQs

When should you review your auto insurance?

You should review your auto policy yearly when you get your renewal. The first page of your new policy is your declaration page. This is a review of your coverage and it makes it easy to see all your coverage at a glance. Check your liability coverage to make sure it is adequate, and review the other coverage you have. Do you have collision and comprehensive coverage? Has your car gotten so old it doesn’t need it?  Look all the coverage over carefully. 

What auto insurance add-ons are worth considering?

If you have a new car, you might want to consider gap coverage, This will cover the difference between what you owe on your car loan and what the insurance company would pay for if your vehicle was a total loss. For newer vehicles, it can be very important coverage. If you don’t have AAA or you find it too expensive, roadside assistance coverage is very inexpensive and would provide the help you need. 

What does comprehensive insurance cover? 

Comprehensive is non-collision coverage. It covers a variety of things: weather-related damage, things falling from the sky like tree branches and hail, large animals running into your vehicle, vandalism, and theft. Glass coverage for your windshield is also included in your comprehensive coverage. 

Contact McCluskey Insurance Services LLC in Cincinnati, OH for all your auto insurance needs and any questions you may have.

Servicing States

  • Ohio
  • Kentucky
  • Indiana
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington DC
  • West Virginia
  • Wisconsin
  • Wyoming


Partner Carriers

  • AAA
  • AIG
  • Branch
  • Bristol West
  • Foremost
  • Gainsco
  • Grange
  • Grinnell Mutual
  • Hagerty
  • John Hancock
  • Liberty Mutual
  • Lincoln
  • National General
  • Openly
  • Pacific Life
  • Progressive
  • Protective
  • Prudential
  • Safeco
  • Transamerica
  • Travelers
  • Trexis
  • The General