How Do Tickets and Accidents Affect Your Car Insurance Premiums in Cincinnati?

September 6th, 2010

That depends upon how many tickets and or accidents are on one’s record.  If your insurance company hits you with a large rate increase on your car insurance in Cincinnati because of your driving record click here to obtain competitive quotes from other companies who might be willing to give you a better deal on car insurance in Cincinnati.

Let’s review a client example of actual car insurance premiums in Cincinnati and how tickets and accidents might affect their premium rates.

Example 1:

A married couple in their mid-40s with no children driving 2 late-model vehicles with full coverage and liability limits of 100/300 with a $500 deductible who had no tickets or accidents on their record in the last five years.

Six month premium = $484

Example 2:

Using the same example as above lets add one speeding ticket to the husband’s license.

Six month premium = $496

Example 3:

Let’s add one additional speeding ticket to the husband for a total of two speeding tickets.

Six month premium = $563

Example 4:

Let’s assume the husband has three speeding tickets

Six month premium = $829

Example 5:

Let’s also add an accident and keep the three speeding tickets for the husband

Six month premium = $1314

If there’s only one minor speeding violation on the driving record the premium doesn’t fluctuate that much. (Unless it’s a driver under the age of 25) and as we can see, the premium amount can grow significantly larger as more activity is added to the husband’s driving record.

What’s interesting with example number five is that 4 incidents on your record with most insurance companies will get you canceled by your insurance company in Cincinnati!  At that point you would be considered to be a high risk driver.  Even if this insurance company did not cancel this insurance policy, the car insurance premiums in Cincinnati have increased by 2 1/2 times!

Speeding tickets, accidents, and claims will affect your insurance premiums in Cincinnati very negatively.  However that being said not all insurance companies look at multiple tickets, accidents, or claims in the same way.  Some insurance companies in Cincinnati may be willing to give you the benefit of the doubt and offer cheaper rates than your current company.  Click here for an instant rate quote on your automobile insurance if you live in Ohio, Kentucky, or Indiana.  If you do not live in one of these states you can still receive an insurance quote.

How to avoid tickets in Cincinnati?

Obeying the traffic laws is the first step, avoid the temptation to speed when you are late for work or school by leaving home earlier than you normally would.

How do tickets and accidents effect insurance premiums in Cincinnati when you are a teenager?  We’ll discuss that in our next article.

How to contact us directly?

513-662-7000

Jack@pathwayinsurance.net

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Speeding Tickets Increase As Tax Revenue Decreases for Small Towns

September 4th, 2010

An interesting article appeared in the Cincinnati Enquirer:  Speeding tickets jump in small towns

The article cited data from the Ohio Supreme Court that shows a 7% statewide increase in traffic citations. Of the 33 Mayors Courts in Hamilton County 22 have seen an increase in tickets being issued!

What’s that mean to you when you buy car insurance in Cincinnati? 

Higher rates on car insurance if you get extra speeding tickets in Cincinnati!

If you have had the unfortunate experience of having your insurance company increase your rates on car insurance because of too many tickets click here to receive car insurance quotes from companies who will give you a break on your premiums if you have one too many tickets, claims, or accidents in Cincinnati.

Why tickets go up as tax revenue goes down?

Its simple economics.  Tickets can bring in needed revenue for the townships facing unprecedented budget cuts.  For instance if the average police officer earns $50,000 per year, that officer would only need to issue 500 tickets a year at an average cost of $100 to cover his salary. (Some tickets can be significantly higher than $100.)

500 tickets sounds like a lot but it’s only an average of two tickets a day, assuming that the police officer works five days per week and has two weeks of paid vacation. If the officer can issue three tickets per day that brings in an additional $25,000 per year in revenue!!

According to the website speedingticketCentral.com some towns like New Rome, Ohio and Waldo, Florida take in over 70% of their entire town budget through speeding tickets!

How do you avoid speed traps and getting tickets?

Instead of purchasing the latest laser/radar detectors why don’t we all try something simple such as?

Obeying the traffic laws!

How badly do tickets affect your insurance rates in Cincinnati?

In the next article I’ll share actual examples.  In the meantime if you have had one too many tickets accidents or claims in Cincinnati and your insurance company decides to hit you with a massive rate increase, click here to receive new car insurance quotes. Each individual Insurance company views tickets, accidents, or claims differently and may be willing to save you money on your insurance in Cincinnati.

How to contact us directly?

513-662-7000

Jack@pathwayinsurance.net

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Employment Opportunity with Pathway Insurance

August 25th, 2010

We are looking for exceptional employment candidates in several areas to submit resumes to our company.  Our agency goes above and beyond the call of duty for clients.  We offer insurance services in Cincinnati that other agencies refuse to offer, and hence we are looking for remarkably talented individuals to join our growing company. 

If you are not looking for employment opportunity, but want an instant quote on your insurance in Cincinnati please click here

The following insurance positions are available with our company in Cincinnati:

Sales

Are you looking to sell insurance in Cincinnati?  You should have prior sales experience. Additionally you must have an active Property and Casualty License.  (We would be willing to train the right salesperson and assist them in acquiring the necessary license with our mentor program.)  Our agency makes selling car and home insurance in Cincinnati very easy.  We have access to 30 different insurance companies as an independent agency.  We use an advanced comparative rating system that makes it very simple to generate insurance quotes efficiently and quickly.  Prospects additionally can request quotes online with our agency and receive instant rate quotes. Click here to receive an instant rate quote for yourself.

Finally our follow-up system for sales is the absolute best in the industry and you will be given full training on how to increase your sales ability significantly.  If you are interested in applying for a sales position with our company please e-mail your resume to Jack@pathwayinsurance.net

Pay range for experienced sales representatives is $32,000 – $50,000 per year.  (Includes commissions+ bonuses+ health insurance for full-time employees.)

Customer Service and Sales

Do you want to go above and beyond the call of duty helping clients with their insurance needs in Cincinnati?  We are looking for exceptional talented insurance customer service representatives that are licensed and have a least three years of continuous experience in this field.  (Experience working in an independent agency will give you an advantage)

Because our clients expect a high level of superior customer service we require superior customer service representatives. We are looking for kind, courteous, and proactive customer service representatives who also have extensive product knowledge, and the ability to cross sell + make new sales to leads that you would be provided. If you are interested in applying for the customer service and sales position with our company please e-mail your resume to jada@pathwayinsurance.net

Pay range for experienced customer service and sales is $15 – $18 per hour + commissions + bonuses + health insurance for full-time employees.

Marketing Support

Do you have experience in telemarketing sales?  We are looking for experienced telemarketers who can make up to $18 per hour. If you are interested in applying for a telemarketing position with our company please e-mail your resume to Jack@pathwayinsurance.net

Pay range for experienced telemarketers is up to $18 per hour (includes commissions + bonuses+ health insurance for full-time employees.)

Customer Service Support

Do you have previous customer service experience in Cincinnati?  Are you able to multitask with efficiency and follow directions?  Do you have experience with data entry?  Do you easily learn new software programs?  Do you always show up for work on time? If so apply for the customer service support position with our company. Please e-mail your resume to jada@pathwayinsurance.net

Pay range for customer service support is $8 – $12 per hour + bonuses+ health insurance for full-time employees.

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Pathway Coverage Checklist Will Help You Find The “Gaps” In Your Insurance Coverage

August 19th, 2010

A survey revealed that more than half of the respondents did not have a complete understanding of what their insurance policies did not cover.

The Pathway Coverage Checklist will help you find the Gaps in your insurance coverage.  One client discovered a $100,000 coverage shortfall on his home insurance, another discovered a $300,000 gap on his umbrella policy, another found out that he was using his automobile in a way that would cause his car insurance company to refuse to pay any claims that he submitted!

Do you have “gaps” in your coverage?  The only way to know for sure is to review The Pathway Coverage Checklist.

The Pathway Coverage Checklist is available to all active policyholders of our company.  We are the only company in the United States that has developed such a comprehensive but easy to use tool to help you determine if you have the correct coverage on your personal car or homeowners insurance.

Our coverage checklist will take you step-by-step through a number of different situations or scenarios that are not usually explained or elaborated upon by insurance agents or company personnel when you buy insurance.

Insurance companies rely upon you reading your policy from cover to cover to understand what is, but most importantly what is not covered by insurance.  The basic problem with this expectation is that most consumers have never read their insurance policy. If a policyholder did take time to read their policy, would they completely understand it?  Insurance policies are in reality complex legal financial contracts written by attorneys.

Why You Need the Coverage Checklist?

Will help you determine if you are engaged in activities that could cause your insurance company to refuse to pay claims.

The Pathway Coverage Checklist explains a number of different scenarios whereby coverage will not apply, even if you think that it should. (We have identified more than 200 scenarios whereby claims can be legally refused to be covered by insurance companies.)  

The Pathway Coverage Checklist will also help you to be able to determine what additional coverage may be needed based on your circumstances.

Finally, you will learn what are the minimum amounts of coverage you should purchase for your personal situation. 

How do you get the Pathway Insurance Coverage Checklist?

You must be an active policyholder with our company to receive the coverage checklist.  If you are not yet a policyholder with our company, Click Here to learn how you can start your insurance policy today with our company.

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This Is How To Start Your New Insurance Policy With Our Company

August 19th, 2010

Are you ready to get your new insurance policy started with our company?  If you have not yet obtained a new insurance quote in Cincinnati from Pathway Insurance in the last 6 months Click Here.

If you have already obtained your insurance quotes and want to learn how to start your new policies, the first step that we want to take is to verify that we have all of your correct information. 

We will need drivers license numbers + Social Security numbers + the car serial numbers for all vehicles that we will be covering.  In addition if any driver is a full-time student we will need verification that they qualify for a good student discount.  Please do not e-mail that information to us for security reasons.  We will obtain that information from you over the telephone.  (Someone from our office may be calling you, or you may receive an automated call from our office because of your request with additional instructions.)

We can start your new insurance policy one of five different ways:

Over the Telephone – For the down payment you must have a credit card, debit card, or in some cases we can accept the payment over the telephone from your checking account. (Check by phone) You will need to fax or e-mail your application and paperwork to us.

By Mail- For the down payment you can mail a check or money order or you can pay by credit card, debit card, or in some cases we can accept the payment over the telephone from your checking account. (Check by phone)

By Email- For the down payment you must have a credit card, debit card, or in some cases we can accept the payment over the telephone from your checking account. (Check by phone) You will need to fax or e-mail your application and paperwork to us.

By Fax- For the down payment you must have a credit card, debit card, or in some cases we can accept the payment over the telephone from your checking account. (Check by phone) You will need to fax or e-mail your application and paperwork to us.

In Office- We offer convenient office hours- call for details-513-662-7000

We will cancel your current insurance policy with the company you are insured with now.  

You will need to write in information on the highlighted areas and sign the cancellation request where it states signature of named insured marked with an “x”.  In addition we will need your policy number with the previous company + a contact telephone number for your previous agent.

Cancellation Request For Automobile Insurance

Cancellation Request for Homeowners Insurance

Our Contact Information

Pathway Insurance Services, Inc.
11305 Reed Hartman Hwy. Suite 226
Cincinnati, Ohio 45241
513-662-7000
513-662-7243 Fax

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