You can never reach Run around Ralph, you call but he rarely answers the telephone. (It goes straight to voicemail) You stop in to visit him at his office and the doors are locked.  You call to ask a question, and it takes three days for run around Ralph to call you back.

The problem you face is that Run around Ralph has no administrative support help in his office to answer policyholder questions, or make changes to your policy when he’s not in the office.  He’s either too cheap, doesn’t see the importance of offering good customer service on your insurance policies, or too new (Watch out when you’re insured with a Wet Willie) in the business to be able to afford any administrative help …he’s a lone Wolf ,and a Jack of all trades but master of none.

When you are insured in Cincinnati with a Run around Ralph you will receive:

Bad customer service

Phone calls returned in days versus minutes

Bad claims service (“I’m not on your side Clyde!”)

Frustration because of a lack of good service

Will never hear from your insurance agent unless they want to sell you something

Receiving good customer service in Cincinnati and helpful answers to your questions on your insurance policies can be worth far more than the frustration you will experience if your agent goes by the name Run around Ralph.

So when requesting car insurance quotes in Cincinnati, the first question you might ask is this:

Who will service my insurance policies if I have a question?

If the person selling the insurance policy to you states they will service your account, you might be making the mistake of buying your insurance policies from a Run around Ralph, or if it’s a woman, a Run around Renée.

In contrast our agency, Pathway Insurance Services Inc. has a complete administrative staff, with many years of experience to answer questions about your insurance policies and to make changes when you need them made.  We also offer convenient office hours to suit the needs of our clients.

Getting a cheap price on car insurance in Cincinnati might seem like a good idea initially.  But if you find out that your agent is actually named Run around Ralph, or Run around Renée you are not going to get good customer service on your insurance policies in Cincinnati.

Would you like to be insured with a local insurance agency in Cincinnati that goes above and beyond the call of duty?  Click Here to begin the process by receiving your online car insurance quotes in Cincinnati.

Grange Insurance offers some of the best auto insurance rates in Cincinnati and you can now receive an instant car insurance quote with Grange Insurance in five minutes or less in Cincinnati. (Online car insurance quotes with Grange insurance is available in Ohio, Kentucky, and Indiana.)

Would you like an instant online car insurance rate quote from Grange insurance in Cincinnati?  Click here.

Do you live in Kentucky and want to find the best car insurance rates in Kentucky that Grange Insurance offers?  Click here.

Hoosiers we do not want to leave you out, Click here if you want to find the best auto insurance rates in Indiana that Grange insurance offers.

Here’s a little bit of information about Grange Insurance.

Grange insurance is only represented by independent insurance agencies like our agency, Pathway Insurance Services Inc.  (That’s a big advantage to you-Click here to learn the big disadvantage in getting car insurance quotes in Cincinnati from Wanda or Waldo the one-hit wonders.)

Grange Insurance is based in Columbus Ohio and they have a fantastic claims department!

We offer the following insurance policies with Grange:

Grange Auto insurance quotes in Ohio, Kentucky, and Indiana.

Grange Homeowners insurance quotes in Ohio, Kentucky, and Indiana.

Grange Commercial auto insurance quotes in Ohio, Kentucky, and Indiana.

Grange Commercial general liability insurance quotes in Ohio, Kentucky, and Indiana.

Grange Life insurance quotes in Ohio, Kentucky, and Indiana.

What more information about Grange Insurance?

Click here if you are a Grange Insurance policy holder.

Click here to learn more about Grange Insurance out of Columbus Ohio.

Click here if you need to file a claim with Grange Insurance.

If you need more detailed information about Grange Insurance please contact Jack@pathwayinsurance.net

Here’s the problem with an agent like small claims are great Nate.

Nate wants you to turn in every claim that you call about, or at least he wants to document every claim that you cause in Cincinnati so he can increase your rates even if your insurance company doesn’t pay a dime!

This is completely true. Certain companies such as GEICO, Progressive Direct, and other companies that offer consumers the option to buy car insurance direct in Cincinnati require their call center agents to document accidents or claims that their clients cause and call about.

So let’s say you have a minor fender bender and are wondering if you should turn in the claim to the insurance company.  When you call and speak to small claims are great Nate, he has already notated your client file that you had an accident so that your insurance company can take the appropriate action later.

Just so we’re clear: Taking the “appropriate action” later means that you will get a big fat juicy rate increase on your car insurance.)

Don’t believe for a second that all local insurance agents in Cincinnati have “your back“.

Certain insurance companies who employee Wanda or Waldo, the one-hit wonders, (captive companies-click here to see the list of insurance agents who can only offer car insurance in Cincinnati from one company.) also require their agents to notify your company so that they can properly “underwrite” your risk to the company. (Again that means you will get a big fat juicy rate increase on your car insurance in Cincinnati or you will get canceled!)

This is how our agency is different:

We tell you the truth:  Not all claims should be turned into your insurance company…Why???

A few minor claims or accidents within a short period of time will make you a high risk driver and you might have to buy high risk insurance in Cincinnati!  The difference in price on your car insurance when you are a high risk driver in Cincinnati can be as much is 10 times or more!!

Nate, who thinks all claims are great, gets to raise your rate when you have claims.  We do not believe that’s so great. (For you as a client.)

Along with the Claims Advocacy Program, ™ we offer claims advice on small accidents because truthfully some claims should never be reported to your insurance company in Cincinnati. (On the other hand there are some seemingly minor claims that should be reported to the insurance company. So prior to attempting to handle a claim yourself make sure you receive professional advice.)

If you are not currently with Pathway Insurance, click here to take the first step by receiving the best auto insurance quotes in Cincinnati.

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

“I’m not on your side Clyde” will not lift a finger to help you with claims.

This is what Clyde, who’s not on your side will say to you when you have an accident in Cincinnati and need help:

That’s not my department to help you with claims, that’s why we have a claims department.

From personal experience I can tell you that there isn’t anything more frustrating than trying to fight an insurance company to get them to pay a claim! 

What are you saying Jack? Are there companies selling car insurance in Cincinnati that will give you the impression that they are fighting you or perhaps intentionally delaying paying your claim? 

Absolutely, and you will find out quite quickly whether or not your Cincinnati insurance agent goes by the nickname “I’m not on your side Clyde” because they will not lift a finger to help you in any way to resolve your claim.

Clyde, just sells car insurance in Cincinnati and he is really too busy selling insurance policies to new customers to be bothered with helping you with a claim.

Is that how you want to be treated if you need help with a claim?  Do you want your agent to brush you off when you really need help, or do you want an agent that promises to help you with all legitimate claims?

Our agency, offers a Claims Advocacy Program. ™

When you have a car insurance claim in Cincinnati, regardless of fault, we will take you step by step through the claims process.  We will in a sense hold your hand, and even negotiate with insurance companies on your behalf! (Some exceptions apply)

How valuable is this program to you?  If you have ever had a claim and then had the insurance company seemingly stonewall your claim, this service would have been invaluable to you. 

Please note how one family endured a bad claims experience in Cincinnati and how the Claims Advocacy Program. ™ helped to settle the claim.

Steve was rear-ended by another person who was at fault. Steve files a claim against the other company and a week goes by and he doesn’t hear anything from the insurance company so he calls to find out the status of the claim.  The claims adjuster tells Steve that he has not obtained a statement from their client. Two weeks go by and Steve calls the insurance company again. 

He is told the same story. A few additional weeks go by and the rental car company takes Steve’s car back.  Now Steve is without a car and borrows a friend’s car to get back and forth.

Steve calls many times over the next several months and is told the exact same thing by the claims adjustor…we can’t get a hold of our client to get his statement so we can’t settle your claim. 

Finally after 4 months Steve calls me out of sheer desperation.  He explains the situation and I immediately contact the company and within 1 hour the claim is settled and a check was sent the next day to Steve!!

Why did it take more than 4 months for this claim to be settled, and why was our intervention (The Pathway Claims Advocacy Program) instrumental in settling Steve’s claim in just 1 hour?

The claims adjuster completely dropped the ball, and we were able to fix this problem for Steve by our direct intervention.  That’s why families in Cincinnati need a strong claims advocate standing up for their policyholders.

Our claims service is the best in Cincinnati.

If you are not currently with Pathway Insurance, click here to take the first step by receiving the best auto insurance quotes for Cincinnati drivers.

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

That’s a big disadvantage to you as a customer for two reasons:

First, if you buy car insurance from Wanda or Waldo, they can’t guarantee low auto insurance rates in Cincinnati for as long as you need your insurance.  Why?

Insurance companies are always “fine tuning” or adjusting their premium rates in Cincinnati. That means you are likely to get hit with a rate increase on car insurance in Cincinnati.  Isn’t that why you’re shopping for car insurance in Cincinnati right now?

Second, if you’re shopping for auto insurance in Cincinnati with Wanda or Waldo they can only quote one company. That’s a big disadvantage to you as well. There isn’t one single insurance company in Cincinnati that can offer the best price for every insurance product.

In contrast our agency, Pathway Insurance, an independent insurance agency, can offer auto insurance quotes in Cincinnati from the top 20 companies doing business in the Tri-State area.

How do you know if Wanda or Waldo the one-hit wonders work for an insurance company that only allows them to sell car policies in Cincinnati through one company?

Take a look at the list below to see if you are receiving quotes from insurance agents in Cincinnati who can only sell through one company:

GEICO, Progressive Direct, State Farm, Allstate, Nationwide, Farmers, Liberty Mutual, AARP, Safe Auto, Esurance, Sentry, 21st Century, Amica, Acceptance Insurance, Shelter Insurance, Safeco Direct, Travelers Direct, Hartford Direct, The General, California Casualty and Kentucky Farm Bureau Insurance.

Because Wanda or Waldo are one-hit wonders, they can’t help you when the company they sell for raise your car insurance rates in Cincinnati.

On the other hand our agency can help you secure low insurance rates in Cincinnati on a long term basis. Not only can we obtain auto and home insurance rates in Cincinnati from many companies, we can do it in the blink of an eye using our online car insurance rate engine that can quote companies offering the lowest prices on car insurance in Cincinnati.

Click here to receive your instant online auto rate quote for Ohio drivers.

If you have already requested auto insurance quotes from our agency why not take a few moments to give us a call?  If for some reason you have not received your quotes please e-mail Jack@pathwayinsurance.net or call our office at 513-662-7000.

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

Here’s the problem when you buy insurance from a Wet Willie:

Insurance is a very complicated financial contract, with tons of restrictions of coverage, and what amount to legal loopholes for insurance companies to get out of paying certain claims that we might think are covered.

Buying insurance from a Wet Willie, that is an inexperienced insurance agent in Cincinnati, could place you in danger, why?

Wet Willie can barely “spell” insurance, let alone properly advise someone what to buy and how much. 

In fact, did you know that there are more than 200 different ways to get your insurance claim denied by your insurance company in Cincinnati?

Our agency, Pathway Insurance has developed a special coverage checklist that will help you discover potential gaps in coverage and shortfalls in your insurance plans in Cincinnati, plus a special 16 page report that discusses different claims scenarios in which insurance companies can legally deny claims in Cincinnati.

All new clients of our agency will receive this information.

After our policy review you will positively know whether you are insured with a Wet Willie, or Marvin Mayhem.  Marvin Mayhem is the incompetent insurance agent from Cincinnati that we talked about in our last article.

Make no mistake when discussing your insurance needs in Cincinnati.  It can be a big mistake to buy your car insurance from a Wet Willie.  Just like curiosity killed the cat, an inexperienced insurance agent in Cincinnati can kill you financially.

If you would like to talk to us about your insurance needs, start that process by allowing us to shop around for you in our goal to find the best insurance rates in Cincinnati. Click here.

If we have sent you quotes within the last 3 to 4 weeks, please refer to those Cincinnati auto insurance quotes.  If you have not received your quotes please e-mail Jack@pathwayinsurance.net or call our office at 513-662-7000.

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

If you are unlucky and buy your insurance from Marvin Mayhem, you can be in just as much trouble as if you bought from Sam the Scam the Cincinnati insurance man.

Why do I say that?  Because Marvin Mayhem, who is an incompetent insurance agent, may obtain the wrong amount of coverage for you that can place you in great financial jeopardy!

I’ll give you an example.  A gentleman by the name of Tom called our office requesting quotes on home insurance.  We discovered that Tom was insured by Marvin Mayhem, and naturally his coverage and policy was incorrect.

Marvin Mayhem under insured Tom by more than $90,000 placing Tom and his entire family in great financial jeopardy. Fortunately Tom listened to our advice and dropped Marvin Mayhem just in the nick of time, because within three months Tom’s house burned right down to the ground!

If Tom had still been insured with the incompetent Marvin Mayhem, he would not have had sufficient funds to rebuild his house!

All new clients of our agency received a 21 point coverage checklist for car insurance that will help you to learn if you have any coverage gaps on your car insurance, plus a special report that will help you answer this question:

• What are the minimum amounts of liability coverage that I should purchase to protect my assets in Cincinnati?

To receive that 21 point coverage checklist for car insurance, plus the best car insurance prices in Cincinnati, click here to receive your online car insurance quote for Cincinnati families.

If you have already requested quotes within the last 30 days please refer to those Cincinnati car insurance quotes.  If you have not received your quotes please e-mail Jack@pathwayinsurance.net

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

This is how we learned about Sam the Scam:  One of our clients called to cancel his policy because he told us he found a lower price on car insurance in Cincinnati by contacting Sam the Scam. (Not his real name of course, would you buy a policy from someone named Sam the Scam?)

I asked our client if his new agent had quoted the same coverage limits and deductibles that he had with us, he said he thought so.  I asked him if he had a copy of the declaration page and he did.

After reviewing his new coverage limits with Sam the Scam, we discovered that Sam was only able to sell his low priced car insurance in Cincinnati by reducing our client’s coverage limits by 8 times, to the state minimum levels!!

In addition Sam the Scam raised our clients deductibles to $1,000!

Yes our client saved money on his Cincinnati car insurance policy by using Sam the Scam, but at the same time he increased his deductibles and substantially lowered his coverage!  (Not really a good deal for our client was it?  Naturally Sam the Scam did this on purpose just to make a commission.)

Did he get a better deal on his car insurance by shopping around with an unscrupulous insurance agent in Cincinnati?  Nope, after matching what the other agent quoted, our car insurance rate was lower than the other agent’s rate by $200! (By the way, before you ever lower your liability limits you need to make sure the coverage is adequate for your needs.)

Fortunately our client quickly came to his senses and dropped Sam the Scam the Cincinnati insurance man like a hot potato after learning that he was bamboozled!

When you are shopping for the best prices on car insurance in Cincinnati, make sure the comparison is apple to apple. 

Don’t get scammed by Sam the Scam, the Cincinnati insurance man whose only real interest is making you his next sale.

For fast online auto insurance quotes in Cincinnati, click here.

If you have already requested quotes within the last 30 days please refer to those Cincinnati car insurance quotes.  If you have not received your quotes please e-mail Jack@pathwayinsurance.net

Scam artists use phishing scams to acquire information that they can use to steal your passwords, banking information, your identity, and ultimately your money.

Could the growing trend that consumers have to request auto insurance quotes through the Internet play right into their hands?

Thousands of consumers request car insurance quotes in Cincinnati by the Internet each month.  Will these scam artists catch a few unsuspecting consumers looking for the best car insurance rates in Cincinnati?  No doubt.

If you are looking for cheap car insurance in Cincinnati let the buyer beware of the scam artists!

As one suggestion, do not request online insurance quotes from websites where you cannot call and talk to a live person.

Pathway Insurance Services Inc. has developed an online rate shopping service for individuals and families looking for the best rates on car insurance in Cincinnati.  You can click here and receive an instant rate quote from five of our top companies in five minutes or less!

Or if you feel more comfortable giving us a call, our local number is 513-662-7000.

Remember, never share your personal information such as your Social Security number, or banking account information with an online website offering to save you money on car insurance in Cincinnati, otherwise you may fall victim to the Internet scam artist.

There are more than 500 different insurance companies that sell car insurance in our area, how can you tell who has the best car insurance rates in Cincinnati?

Pathway Insurance developed an Internet-based system that will shop for the lowest car insurance rates in Cincinnati.

As you are shopping for a used car in Cincinnati, allow our agency to shop for the cheapest rates on car insurance in Cincinnati.

Click here to receive your online auto insurance quote in Cincinnati.

If you questions about this program call and speak with Jack Thomas at 513-662-7000