Are you looking for automobile insurance in Cincinnati?  You have come to the right place.  Pathway Insurance is one of the most advanced independent insurance agencies in Cincinnati. Call us at 513-662-7000, or you can request an online Cincinnati car insurance quote by clicking here.

How to avoid taking a ride on The Insurance Merry-Go-Round™.

When people are looking for automobile insurance in Cincinnati they may be induced to call a certain company based on a catchy advertisement they see on television.  Insurance advertising is big business for ad firms, and insurance companies spend billions each year on their tailor made insurance advertisements to make their phones ring with potential new clients eager to save money on their insurance.

But here is a question that consumers never seem to ask when they are shopping for car insurance.  How long will the premiums remain this low?

The real truth about insurance is that insurance premiums never stay the same with any company. So no matter if you are shopping for insurance in Florida or you want cheap car insurance in Cincinnati you may obtain a good rate for a while, but over time that rate will increase.

In a future book that I will publish I will explain how a secret insurance pricing model exists that many consumers are not aware of, and how only independent insurance agents can help insurance buyers to secure the best rates on insurance for the long run.  By the way this insurance pricing model is used by every insurance company.

Let’s Review An Example Of The Insurance Merry-Go-Round™. 

Act 1 Scene 1: Your 21 year old son causes an at fault accident and 6 months later you receive a $700 rate increase on your car insurance and you decide to call a certain insurance company after watching a television commercial. This company happens to be, The ABC Insurance Company, and they advertise extensively on television and you decide to give them a call.

Their television advertisement proved to be true as they are able to offer you a price $200 less than your current insurance company so you decide to take advantage of that $200 car insurance savings from The ABC Insurance Company and switch your insurance.

Act 2 Scene 1: Eighteen months later you get a new insurance bill from The ABC insurance Company and you notice that your rate has increased $247, so you decide to call your former company, The XYZ Insurance Company.

The XYZ Insurance Company congratulates you because you now qualify for a new insurance program that will save you $412, so you switch back to your former company.

Act 3 Scene 1:  You open your new bill after only six months of returning to The XYZ Insurance Company and you notice that they did it to you again and they raised your car insurance premiums by $217. Because things are tight financially after your wife lost her job due to corporate downsizing, you decide to call a different company called, The Online Insurance Group.  The Online Insurance Group claims they keep prices low by only selling insurance over the Internet. The Online Insurance Group finds you an even better deal and they save you $167 compared to what The XYZ Insurance Company was about to charge you in their latest bill.  You switch.

Act 4 Scene 1:  12 months later The Online Insurance Group increases your price by $319 and you decide to call a fourth company. Round and round you go and where it stops no one knows, hence The Insurance Merry-Go-Round! ™

Are you looking for car insurance in Cincinnati? You have come to the right place. Pathway Insurance is one of the most advanced independent insurance agencies in Cincinnati. Call us at 513-662-7000, or you can request an online Cincinnati car insurance quote by clicking here.

Insurance Is About As Much Fun As Watching Paint Dry On The Ceiling.

Okay so I thought it was a catchy title but not necessarily such an interesting topic. The general opinion is that Insurance in Cincinnati is about as much fun as watching paint dry on the ceiling, and in most circumstances that consensus would probably be right.

Why Choose Pathway Insurance?

When looking for Insurance in Cincinnati you have many places to choose from, but what you don’t know about insurance can truly harm you financially.

My name is Jack Thomas and I manage an independent insurance agency in Cincinnati. I am an author, blogger and prolific writer. The honest truth is I love to write, educate, and occasionally display a bit of dry humor in reference to insurance. (Insurance is boring but it doesn’t have to be that way.) Currently I’m working on a book that will reveal some nasty little secrets that some insurance companies don’t want you to know about. I’ll share more about that in a future article.

You’re probably aware if you live in Ohio, Kentucky, or Indiana that you are required to maintain car insurance. Because of that fact consumers are under the general impression that insurance policies are all exactly the same. That could not be further from the truth!

How Do We Learn about Car Insurance in Cincinnati?

In reality insurance is a necessary evil but at the same time very much misunderstood. We learn about insurance by watching television commercials. Insurance companies tells us that we are paying too much for our car insurance in Cincinnati and they alone hold the key to our salvation to cheap car insurance rates. I call this the Insurance Merry-Go-Round™.  I’ll explain in my next article the exact details about the Insurance Merry-Go-Round™.

When people are looking for car insurance in Cincinnati, they might notice a similar insurance advertising theme that is running in the Ohio, Kentucky, and Indiana area where our agency actively offers insurance.

State Farm Insurance in Cincinnati, through their television advertisements tells us that they offer 40% discounts, Geico insurance tops on another 15%, Progressive tells us that they can save you hundreds, 21st Century Insurance in Cincinnati tells us that if you’re with Geico or Progressive you’re overpaying by hundreds.If you were to add up all the discounts and the rate savings your insurance should be free right?

Why Do These Insurance Companies in Cincinnati Make These Claims?

Insurance commercial dominate the television advertising market in Ohio and they likely dominate in your area as well, because it makes their phones ring, and because the insurance companies running those ads are making money hand over fist! Insurance is big business, and it’s profitable as well. You may not be aware of this but did you know that Warren Buffett owns Geico? He owns Geico insurance in Cincinnati because it’s an awesome investment!

So we see insurance commercials on television because companies are convincing us to buy their insurance policies raking in millions, and billions of dollars in new insurance premiums.

But is that all there is to insurance? The company offering the best price on insurance wins?

Let’s explore this a little bit more in my next article called, What Is The Insurance Merry-Go-Round™.

Are you looking for insurance from Hartford Insurance in Cincinnati? Call our independent insurance agency in 513-662-7000 to receive the best rates from Hartford Insurance, or click here for instant online rate quote from Hartford Insurance in Ohio.

Besides extremely competitive commercial insurance in Cincinnati, The Hartford also offers a broad variety of low cost homeowners insurance in Cincinnati + automobile, and umbrella insurance.

New Ohio Homeowner’s Insurance Policy from Hartford Insurance 

A brand new homeowner’s insurance policy in Cincinnati is available through Hartford insurance called Home Advantage and Home Advantage Plus. Please note some of the new features of this homeowner’s insurance policy available through Hartford Insurance in Ohio.

The Hartford ID Restore Services, Green Rebuilding Coverage, Equipment Protection Advantage Coverage, Valuable Items Blanket Coverage, and One Deductible (applies only when written on the Auto with Home).

The Hartford ID Restore – The hardest part of dealing with an identity theft situation can be determining how to get started on restoring or protecting your identity. Customers of The Hartford receive free, unlimited access to The Hartford ID Hotline, and Identity Theft 911’s Resolution Center, where qualified fraud specialists will provide personal, one-on-one attention to questions or concerns about identity theft, fraud or the safety of your personal information. Identity Theft 911’s Fraud Specialists will help you take proactive steps to avoid becoming a victim of identity theft, or take you through the recovery process step by step and restore your peace of mind.

Green Rebuilding Coverage — Offers additional coverage for using environmentally-friendly materials or processes to make repairs after a covered loss or making necessary replacements with more energy-efficient or environmentally-friendly property.

Equipment Protection Advantage Coverage – For the repair or replacement of appliances, electronics and systems in your home that are subject to mechanical or electrical breakdown.

Valuable Items Blanket Coverage – Our Blanket Coverage is an easier way to protect higher-valued possessions without the added paperwork of scheduling or appraisals. Total available limits range from $10,000 to $50,000 depending on the category of valuables, including jewelry, watches, furs, silverware, fine arts, cameras, computers, musical instruments, china and crystal, and firearms. The maximum limit is $10,000 per item.

Call Pathway Insurance at 513-662-7000 for Insurance in Cincinnati

Are you looking for Hartford Insurance in Cincinnati? Hartford offers a variety of different insurance products including commercial insurance in Cincinnati. Contact our independent Hartford Insurance agency at 513-662-7000, or receive an online Hartford Insurance quote by clicking here.

History of Hartford Insurance:

Hartford Insurance is a Fortune 100 company offering a variety of insurance and investment products including automobile, homeowners, and umbrella insurance in Cincinnati in addition to life and disability insurance in Cincinnati.

Hartford Insurance was initially founded in 1810 in Hartford Connecticut and is one of the oldest insurance companies in the United States.

How Can You Buy A Hartford Insurance Policy?

Hartford Insurance distributes its insurance products by means of independent insurance agents and by means of the AARP program. Our agency can provide discounts and AARP insurance discounts. The best way to purchase a policy through Hartford Insurance is by means of a local independent insurance agent.

Do You Want a Quote from Hartford Insurance in Cincinnati?

Insurance policies available from Hartford:

• Hartford Auto Insurance in Cincinnati
• Hartford Homeowners Insurance in Cincinnati
• Hartford Umbrella Insurance in Cincinnati
• Hartford Commercial Insurance in Cincinnati
• Hartford Life Insurance in Cincinnati

Hartford offers insurance through independent insurance agents in Cincinnati and we can help you find the best prices on Hartford Insurance in Ohio, Kentucky, and Indiana. Hartford specializes in commercial insurance in Ohio and they are extremely competitive in commercial insurance in Cincinnati.

Call 513-662-7000 for Commercial Insurance Quotes in Cincinnati

Are you looking for American Commerce Insurance in Cincinnati? American Commerce insurance offers very competitive rates on automobile insurance in Cincinnati, especially if you are an AAA member. If you’re looking for AAA insurance in Cincinnati you can use your AAA membership to receive up to an additional 10% discount on your car and homeowners insurance in Cincinnati. Call 513-662-7000 for your insurance quote or request your online insurance quote by clicking here.

Facts about American Commerce Insurance 

American Commerce Insurance opened its doors in 1946 and the home office is located in Columbus Ohio. American Commerce became a subsidiary of MAPFRE in 2008. You can read about the financial ratings of American Commerce by clicking here:

Financial ratings American Commerce

Insurance policies offered by American Commerce Insurance in Ohio Include: 

• Auto Insurance-  American Commerce auto insurance in Cincinnati.
• Homeowners Insurance- American Commerce homeowners insurance in Cincinnati.
• Umbrella Insurance- Call 513-662-7000 to receive a quote on American Commerce umbrella Insurance in Cincinnati.

Want a Quote from American Commerce Insurance in Ohio?

American Commerce Insurance offers insurance through independent insurance agents in Ohio and your local AAA office. Pathway Insurance has represented American Commerce for the last three years and is one of the top performing agencies for American Commerce in Ohio.

If you are a good driver with no tickets or accidents, American Commerce has some of the best insurance rates in Cincinnati.

Already a Customer of American Commerce?

If you need customer service on your American Commerce insurance policy and we are your servicing agency please call 513-662-7000. If you are not sure who your agent is, why not be insured with one of the best agents representing American Commerce in Ohio? Call us and we would be glad to help.

Need to make an online payment with American Commerce? CLICK HERE

Are you looking for Pekin Insurance in Cincinnati?

Pekin offers very competitive rates on insurance in Cincinnati, most especially commercial insurance in Cincinnati.  Contact our independent insurance agency at 513-662-7000 for a quote from Pekin insurance in Cincinnati, or you are welcome to begin the process of receiving an online insurance quote in Cincinnati by clicking here. 

Facts about Pekin Insurance

Pekin insurance opened its doors in 1921 and the home office is located in Pekin Illinois.  Pekin is a fairly large midsize regional insurance company based on the few number of states that it actively offers insurance products.  Pekin insurance operates in five principle states, Illinois, Indiana, Iowa, Ohio, and Wisconsin.   You can read about Pekin’s financial ratings by clicking here: http://www2.pekininsurance.com/about_us/financial_information_audits/

Insurance policies offered by Pekin Insurance in Ohio

Auto Insurance- Click here to receive a quote on Pekin auto insurance in Cincinnati.

Homeowners Insurance- Click here to receive a quote on Pekin homeowners insurance in Cincinnati. 

Business Insurance- Call 513-662-7000 to receive a quote on Pekin Business Insurance in Cincinnati.

Life Insurance- Call 513-662-7000 to receive a quote on Pekin Life Insurance in Cincinnati.

Group Health Insurance - Call 513-662-7000 to receive a group health insurance quote in Cincinnati.

Do You Want a Quote from Pekin Insurance in Ohio?

Pekin Insurance offers insurance exclusively through independent insurance agents of Ohio. Pathway Insurance proudly represents Pekin insurance in Ohio. Independent insurance agents are the best place to purchase insurance.

Why Independent Insurance Agents in Cincinnati Are a Better Choice?

In most cases you will receive more competitive insurance rates over the long run when you purchase your insurance from an Independent insurance agent in Cincinnati.  Why? Principally it is due to the fact that independent insurance agents can shop the market for the best prices among a variety of different companies.  A captive insurance agent cannot offer such a service.   

Click here to learn whether or not your insurance agent works for a captive company. 

Contact Pathway Insurance for All of Your Insurance Needs

 Call 513-662-7000, or send an e-mail to Jack@pathwayinsurance.net

If you purchase your insurance in Cincinnati through a captive agent, you might be overpaying by hundreds of dollars per year!  Call 513-662-7000 to speak with an independent insurance agency that can shop the market with 20+ insurance carriers.  Or start an online insurance quote by clicking here. 

What Is a Captive Insurance Agent in Cincinnati? 

Captive Insurance agents in Cincinnati can only sell insurance policies through one company.  Some of the largest insurance companies in Cincinnati advertising locally on television sell insurance exclusively by means of captive insurance agents. (Partial list of captive insurance agents in Cincinnati available here, click to review.) 

It is a disadvantage to you in many ways to have your insurance with a captive agent, why???   

Because there isn’t a single insurance company, no matter what they attempt to convey by their catchy television advertisements that can guarantee the absolute lowest price on every insurance policy they sell on a permanent basis.  In other words there will always be another insurance company who can offer you a lower insurance rate in Cincinnati if you look hard enough!  

Insurance Prices in Cincinnati Never Remain the Same With Any Company.

Unless you have been with the same insurance company for your entire life you probably noticed that when you first started a new insurance policy with your current insurance company, your insurance rates started off low… but eventually over time your insurance company begins to raise your rates.  

We refer to this insurance pricing phenomenon as: Insurance Rate Creep.™  Here’s the bad news for consumers, every insurance company follows the same pattern of lowering rates, then raising rates later. (They all do it without any exception.) 

Why Do All Insurance Companies Engage in Insurance Rate Creep? ™

In a new book that will be published later this year Jack Thomas, owner of Pathway Insurance, reveals the secret reason why all insurance companies engage in Insurance Rate Creep.™  Additionally Jack reveals the exact steps you can take to keep your premiums low for the long term. 

HINT: Independent Insurance Agents in Cincinnati Are Your Secret Weapon to Combat Insurance Rate Creep.™ (Step One)

Call 513-662-7000 to speak with our independent insurance agents of Cincinnati.  Or e-mail: Jack@pathwayinsurance.net to receive new insurance quotes on your insurance. 

Are you looking for insurance in Cincinnati?  The best place to buy insurance in Cincinnati is from an independent insurance agent.  Call 513-662-7000 and we can provide quotes from more than 20 different insurance carriers.  Or you can click here to receive an online insurance quote from eight of the top companies in the area. Independent insurance agents in Ohio are not restricted to offering insurance from only one company.

Captive Insurance Agents in Cincinnati Can Only Sell Insurance from One Company.

That’s a big disadvantage to insurance shoppers because there isn’t a single insurance company that can claim the best insurance rates in Cincinnati perpetually.  You can learn about Insurance Rate Creep™ by clicking here. 

Please review the following list of insurance companies that either sell directly to the public without a local agent or they use captive agents. 

List of Captive Insurance Agents in Cincinnati:

State Farm Insurance in Cincinnati

Allstate Insurance in Cincinnati 

Nationwide Insurance in Cincinnati 

Farmers Insurance in Cincinnati 

Geico Insurance in Cincinnati 

Progressive Insurance in Cincinnati (Progressive insurance direct in Cincinnati. Progressive also sells insurance policies through independent insurance agents in Cincinnati.) 

21st-Century Insurance in Cincinnati 

American Family Insurance in Cincinnati 

Liberty Mutual Insurance in Cincinnati 

MetLife insurance in Cincinnati (Some MetLife agents are captive others are independent agents) 

AARP Insurance in Cincinnati 

Esurance Insurance in Cincinnati 

The General Insurance in Cincinnati 

Amica Insurance in Cincinnati 

USAA Insurance in Cincinnati 

SafeAuto Insurance in Cincinnati 

Sentry Insurance in Cincinnati 

Shelter Insurance in Kentucky

Independent Insurance Agents in Cincinnati Offer Choices.

Typically a captive insurance agent can only provide quotes from the company he or she represents.  There isn’t a single insurance company that has a permanent rate lock on the cheapest insurance rates in Cincinnati.  Rates are constantly in flux, and change with all insurance companies. 

The absolute best place to buy insurance is from an independent insurance agent in Cincinnati simply because they can shop the best rates among a variety of different companies, not just one company. 

Pathway Insurance Is an Independent Insurance Agency in Cincinnati. Call 513-662-7000 or E-Mail Us at Jack@Pathwayinsurance.net

Are you looking for MetLife insurance in Cincinnati?  One new policyholder saved more than $1,000 by switching to MetLife Insurance!  Contact our independent MetLife insurance agency at 513-662-7000, or receive an online MetLife insurance quote by clicking here. 

History of MetLife Insurance:

Did you know that MetLife is the largest insurance company in the United States? Additionally many people are surprised to learn that MetLife offers very competitive auto, homeowners, and umbrella insurance in Cincinnati in addition to life insurance, disability insurance and dental insurance.

MetLife was initially organized by a group of New York City businessmen in 1863 as the National Union Life and that that insurance company.  The company was reorganized in 1868 as the Metropolitan Life Insurance Company and today is the largest life insurance company in the United States. 

MetLife Home Office Located NY, NY 

MetLife distributes its insurance products by individual agents and group insurance agents in all 50 states.  The best way to purchase a policy through MetLife insurance in Cincinnati is through an independent insurance agent.

MetLife Insurance Was One of the First to Offer This Special Coverage on Auto Insurance in Cincinnati: 

In 1998-1999 MetLife was one of the first companies to offer replacement cost coverage on new automobiles for no additional premium charge.  So in other words if you purchased a brand-new vehicle and that vehicle was totaled within the first 12 months or 12,000 miles, MetLife would not take into account any form of depreciation thereby providing replacement cost for car insurance. 

In addition MetLife was one of the first companies to offer a vanishing deductible.  Each year that your claim free they would provide a $50 credit toward any future losses. 

Insurance Policies Available from MetLife Insurance in Cincinnati:

• MetLife auto insurance in Cincinnati- Great rates for family plans including youthful drivers. 
• MetLife homeowners insurance in Cincinnati- One of the only insurance companies left that offer guaranteed replacement cost on homeowners insurance in Cincinnati. 
• MetLife umbrella insurance in Cincinnati- very competitive rates, especially for young drivers.

Call 513-662-7000 for a MetLife quote today, or e-mail us: Jack@pathwayinsurance.net

MetLife offers great rates on car insurance in Cincinnati + super low rates on Home insurance in Cincinnati.  If you would like a rate quote from MetLife call 513-662-7000, or you can receive an online insurance quote from MetLife in Ohio, Kentucky, or Indiana by clicking here. 

MetLife Sells Insurance in Cincinnati in One of Three Ways:

Independent Insurance Agent in Cincinnati:

MetLife offers insurance in Cincinnati through Independent Agents. This is the best way to buy insurance through MetLife in Cincinnati. Call 513-662-7000 to speak with a local MetLife agent, or Click here to get an online insurance quote in Cincinnati. 

Captive Insurance Agents in Cincinnati:

MetLife provides insurance in Cincinnati through Captive Agents. A captive agent in Cincinnati can only sell insurance through MetLife. (That’s a disadvantage because MetLife, which does offer competitive insurance rates in Cincinnati, may not have the best rates in every situation. Only an independent insurance agent in Cincinnati can shop from multiple companies.   

Group Insurance through Your Employer:

MetLife makes available on car and home insurance in Cincinnati through a group department that may be available through your employer. This is not the best method to purchase insurance in Cincinnati. Why?  You do not have a local insurance agent to provide assistance to you, so there is no way to develop a relationship with a local insurance professional, especially if you need complex insurance advice.  (Insurance is much more complex than the price you pay for it.)

Pathway Insurance Offers Individual and Group Policies through MetLife

Call our office today for a quote on MetLife auto insurance in Cincinnati, or MetLife home insurance in Cincinnati. Additionally we offer MetLife group insurance in Cincinnati . Our office number is 513-662-7000.