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

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.

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.

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

Unfortunately there is no universal “rule” that provides the mathematical calculation to determine your exact liability needs for car and home insurance.  The reason why this can’t be determined is because it is impossible to predict future claims you may become legally responsible for.  

There are some commonsense rules that you should follow to protect your assets.  For instance it was reported that Mel Gibson was in an automobile accident.  Apparently it was a single car accident, but what if it wasn’t?  What if he seriously injured someone and was determined to be his fault?  If that is the case a significant amount of his financial assets could be up for grabs if he did not obtain sufficient insurance coverage. 

Naturally most people do not have the asset base Mel Gibson possesses, but likely you do have assets to protect.  What are some common sense amounts of coverage that you should carry to protect you? 

Review the following outline to determine the minimum amount of liability coverage you should carry:

Pathway how much liability coverage is enough?

Do you need to save money on your liability insurance? Click here for rate quotes in all 50 states.

If you would like a rate quote from Progressive car insurance in Cincinnati click here. Or please call 513-662-7000 to reach a local  agent representing Progressive Insurance.

Progressive Insurance sells automobile insurance in Cincinnati in one of three ways:

Progressive offers car insurance in Cincinnati through Independent Agents; Click here for a free rate quote from Progressive. (This is the best way to buy auto insurance in Cincinnati from Progressive Insurance in our opinion.)

You can buy car insurance direct with Progressive insurance in Cincinnati with the company. (You must call a toll-free number.)

Finally you can buy Progressive car insurance in Cincinnati on their website, Progressive.com. (You must buy insurance directly online-this is the least recommended way to purchase your automobile insurance in Cincinnati in our opinion.)

What do you give up when you buy Progressive Car Insurance directly with the company in Cincinnati? 

When you buy car insurance direct with Progressive you have no local representation.  You will need to call a toll-free number when you need to ask a question about your policy or to make a change. When you buy insurance direct with Progressive it is not possible to build a personal relationship with your insurance professional in Cincinnati since Progressive will not assign a Cincinnati insurance agent to care for your account, you will be simply directed to the first person who answers the telephone at the Progressive Direct call center.   

Why do you need a local insurance agent in Cincinnati to care for your insurance needs?

Insurance is a very complicated financial contract.  A professional insurance agent in Cincinnati is needed to discuss your insurance needs, not simply matching your current coverage limits.

Why is buying insurance online with Progressive the least recommended way to do so in our opinion? 

As was mentioned insurance is a very complicated legal contract.  There are many exclusions or restrictions of coverage on your insurance policy.  When you buy your car insurance direct with Progressive insurance in Cincinnati you are in a sense your own insurance agent, do you feel completely confident being your own insurance agent?

There is a better way to buy Progressive Car Insurance in Cincinnati.

Call our local independent agency at 513-662-7000.  We represent Progressive Insurance in Ohio, Kentucky, and Indiana, or click the below links to receive your online progressive insurance quotes:

Click here for Progressive automobile insurance in Ohio. 

Click here for car insurance from Progressive in Kentucky.

 Click here for Progressive Car Insurance in Indiana.

Are you a client of Pathway Insurance?  Take time to review our coverage checklist. 

The Pathway Coverage Checklist™ will help you to determine if you have potential gaps in your insurance coverage. 

If you discover gaps in coverage or activities that are prohibited by insurance companies contract language, the result could be a claim denial by your insurance company.  We are the first company, and the first insurance agency to have developed such a comprehensive tool to help you better understand your insurance policies.

Keep in mind one important aspect of The Pathway Coverage Checklist™.  This coverage checklist is based upon information from a variety of different insurance companies underwriting requirements, and insuring agreements. 

Each company has the right to modify and or change its insuring agreements.  So in other words Insurance Company A may have different underwriting and insuring agreements compared to Insurance Company B.  You can easily discover what your individual insurance companies insuring agreement is by reviewing your current policy.  (We will show you exactly where to find that information in your individual insurance policy.)

Insurance companies change their insuring agreements from time to time.  So review each renewal policy as they are sent to you.

As soon as possible please review your coverage checklist.  The Pathway Coverage Checklist™ is the very first step.  As a client of our agency you will receive vital follow-up correspondence that explains in simple terms the reason for the questions that we are asking, as well as discussing certain coverage scenarios that could occur to you. Finally we will talk about potential issues policyholders will face if they inadvertently violate a coverage term or condition in their insurance policy.  

Are you ready to get started?  Please print for your records the following coverage checklists:

Pathway Coverage Checklist – Auto Insurance

Pathway Coverage Check List- Home Insurance  

***DISCLAIMER***  

There are several ways for us to help you with your Grange Insurance policies.

Contact our Cincinnati based insurance agency by telephone:

513-662-7000

Or email jack@pathwayinsurance.net

Keep this in mind about your Grange insurance policy when relocating from another state:

It might not be possible to transfer the exact insurance policy that you have now with Grange Insurance due to the fact that insurance laws differ from state to state, but that’s not a problem.  We can obtain new Grange insurance quotes in Cincinnati, Kentucky, and Indiana in the blink of an eye by using our online car insurance quote engine. 

Or obtain updated car insurance quotes from Grange insurance online by clicking here

Click here and we can provide instant online automobile insurance quotes in Cincinnati from a local insurance agency representing competitors of State Farm insurance in Cincinnati.  If it is more convenient please call us directly by phone, our local telephone number is:

513-662-7000

Pathway Insurance Services Inc. is an independent agency based in Cincinnati Ohio and we are a direct competitor of State Farm insurance in Ohio, Kentucky, and Indiana. In some cases we can obtain significantly better rates on car and homeowners insurance in Cincinnati than what a local State Farm insurance agent in Cincinnati can offer you.

In five minutes or less start saving money on your State Farm Insurance policies in Cincinnati by Clicking Here

(Are you getting bad customer service from your insurance company in Cincinnati?  Click here to start the process of receiving good customer service in Cincinnati.)

Helpless Hal is the exact opposite of Sassy Sally, but the poor fellow just can’t seem to get anything straight for customers.  You tell him you want a $250 deductible on your car insurance in Cincinnati and he gives you a $500 deductible instead. (You normally find this out when you have a claim with the higher deductible.)

You ask him to mail out new ID cards and you never get them.  You ask him to find out why you got a rate increase on your car insurance in Cincinnati and he never returns your phone calls.  Helpless Hal is a good guy but a bad insurance agent in Cincinnati.

Good customer service is hard to find in this day and age.  All of us have had experiences with a Sassy Sally or a Helpless Hal in products or services that we purchase.  Most companies put more emphasis on profits that can be made for the company and less importance on hiring the best and most qualified people for the job.

If you are considering purchasing new car insurance in Cincinnati, what are the warning signs that you are insured with Helpless Hal or Sassy Sally?

• When you bought your Cincinnati insurance policy the premium is more than what they quoted.
• Multiple mistakes are made on your quotes with no apologies from the agent.
• You never got your insurance policies or ID cards.
• Your bills are never the same and do not show up on time.
• You changed bank accounts and the agent forgot to notify the insurance company causing you to bounce checks and then they have the nerve to blame it on you!
• The agent or their assistants are rude to you or treat you like a child when you ask questions. (If that’s happening from the beginning do you think that will improve over time or get worse?)
• You made your payment in the agent’s office and they never sent the money to the insurance company and your policy lapsed!
• Your mortgage company bought extra homeowners insurance for you (and made you pay for it.)Because your Cincinnati insurance agent forgot to send a notice to your bank that you have homeowners insurance.
• Your car loan payment is increased because your insurance agent forgot to send a notice to your bank.
• You asked for full coverage on your car insurance in Cincinnati, and after an accident happens you discover that you only have liability coverage.
• Your agent forgot to add your brand-new car to your policy and then you wrecked it 45 days later.
• Your agent gave you bad advice and your claim is denied.
• You have a problem with a claim and your agent totally ignores you.
• Your premium increases and your agent can’t shop the market for you.
• You do not receive return phone calls from your insurance agent in Cincinnati.
• You receive two different answers for the same question from two different people working in your insurance agent’s office in Cincinnati.

Our local insurance agency in Cincinnati believes in old-school customer service.  In fact our Moto is “Service the way it used to be.”™

We have one of the best customer service teams in the area. What does that mean for you?  When you call with questions or problems you will find our agents and customer service representatives in Cincinnati are helpful, courteous, and we go the extra mile for our customers.

When shopping for car insurance in Cincinnati, don’t make the mistake of placing more emphasis on the price of the insurance, because this old saying is perfectly true:

Sometimes you get what you pay for.                    

Would you like to be insured with a Cincinnati insurance agency that goes beyond the call of duty? Take the first step by clicking here to obtain instant online car insurance quotes in Cincinnati.