Shopping for Insurance Is Time-Consuming.

Despite catchy commercials on television from certain insurance companies telling you how quick and easy it is to get insurance quotes, what they don’t tell you is that there are hundreds of insurance companies willing to provide you Cincinnati car insurance quotes.

What Is the Chance That Their Company Offers the Best Cincinnati Car Insurance Rates?

Can you say slim to none? There isn’t an insurance company advertising on television they can offer you the cheapest Cincinnati car insurance rates with an absolute guarantee. The reason why is due to the fact that there are too many variables that go into insurance pricing.

We Save You Time When Shopping for Insurance in Cincinnati.

Because we are a Cincinnati independent insurance agency we have the ability to represent as many insurance companies as we desire and that helps us to provide you the best solution in finding the lowest rates on car insurance.

The majority of insurance companies advertising so predominately on television can only offer insurance products through that one company. For instance State Farm insurance is represented only by captive insurance agents. If you’re currently insured with State Farm, your Cincinnati State Farm agent is not allowed to shop for cheaper insurance prices when State Farm increases your rates.

The same is true if you are insured with Geico, Allstate, Nationwide, American Family, Farmers, Esurance, 21st Century, or when you purchase insurance directly with Progressive Insurance.

We Shop and You Save on Cincinnati Insurance

Contact our Blue Ash Insurance Agency at 513-662-7000 and today speak with our professional insurance agents. You will find the best insurance rates from an independent insurance agency like ours.

Are You Looking for Cheap Insurance in Cincinnati? 

You might be making a grave financial mistake by purchasing the cheapest Cincinnati insurance policy that you can find!

Call 513-662-7000 to receive Cincinnati insurance quotes from companies providing coverage value, versus cheap insurance coverage in Ohio. 

We offer free online quotes click on: Insurance Cincinnati.

Why Cheap Insurance Is a Bad Deal for Consumers?

A handful of insurance companies by means of television advertisements have cleverly convinced a majority of Americans that the price you pay on your insurance is the only thing that matters in your insurance buying decision. Each day insurance companies emphasize this point through their various television commercials. You would be hard-pressed to find an insurance commercial that doesn’t claim they can save you money on your insurance.

Let me ask you this simple question: What is the reason why we purchase insurance? 

Isn’t it to pay claims?

For instance if our house burns down we want money from the insurance company to rebuild. If our 17 year old son decides to master hill hopping techniques and slams the family car into a tree with two of his best friends, you want make sure that your insurance company is going to be there for you when you are sued right?

So if the most elemental reason why we buy insurance is to pay for claims, should we not be asking the most important question? 

How Good Is Your Cincinnati Insurance Company at Paying Claims?

Because insurance companies have conditioned the general public to believe that price is the most important factor, the question, “How good are you at paying claims?” is never even considered.

In reality it’s the most important question that is never asked by consumers when they are shopping for insurance. 

Why is it that insurance buyers do not take into consideration the claims reputation of their insurance company, or the company they are thinking about switching to? 

Because we have not been trained to think about it. We have been trained by insurance advertisements to take into consideration only one thing, and that’s the price we pay for the insurance.

Insurance companies have skillfully educated consumers to think of our pocketbook first as if nothing else matters. But the question: “How good are you at paying claims?” is vital because claims satisfaction among insurance companies differs wildly.

Some insurance companies are far better at claims satisfaction than others, while other companies have a lousy claims reputation.

The biggest mistake consumers make about insurance is that they do not take into consideration, the claims reputation of their insurance company.

How can we learn about the claims reputation of an insurance company?  We will consider that in a future article.

Buy Insurance From a Cincinnati Insurance Company that Will Not Low Ball Your Next Claim!

We represent companies that are more interested in treating policyholders right versus protecting profits for share holders. 

Call us today for a a free comparison at 513-662-7000 or click on insurance quotes Cincinnati.

Pathway Insurance has represented Encompass Insurance in Cincinnati for many years and they offer one of the best Ohio homeowner’s insurance policies that you can purchase. Additionally Encompass offers very competitive rates on automobile and homeowners insurance in Cincinnati.

Information About Encompass Insurance

Encompass Insurance was formerly owned by CNA Financial and it is represented by more than 3,200 independent insurance agents across the country. You can only purchase a policy from Encompass Insurance in Ohio by means of independent insurance agents. Encompass Insurance is a wholly owned subsidiary of Allstate insurance.

Claim services are not administered by Allstate insurance or their claims adjustors. Claims are exclusively handled by Encompass claims adjustors with an overall 95.6% claim satisfaction rating.

Encompass Insurance Offers Unique Insurance Products

Encompass Insurance in Ohio offers a package policy that includes your car, home, landlord insurance, boat, motorcycle, and umbrella insurance on one package policy. Additionally you can purchase three different levels of coverage to meet your individual insurance needs.

The Elite homeowner’s insurance option is one of the best in the entire insurance industry. It is one of the last homeowner’s insurance companies in Ohio offering guaranteed replacement cost on your home, in the event of a total loss. Other unique coverage include water back up, jewelry, coverage for business property And fine arts coverage are automatically included in the Elite homeowner’s insurance policy option.

Encompass offers umbrella limits up to $5 million on their package policies.

Contact Pathway Insurance For a Free Insurance Evaluation

Call 513-662-7000 for your Encompass Auto or Home Insurance Quote today!

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 Hartford Insurance in Cincinnati?

Hartford offers a variety of different insurance products including commercial lines insurance in Cincinnati. Contact our independent Insurance agency at 513-662-7000, or receive an online Hartford Insurance quote by clicking on Hartford Insurance.

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.

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.

Lose touch with your Hartford Agent?

If you’re not sure who to contact about your Hartford insurance policy contact us at 513-662-7000.  Ttaking the step of assigning your insurance account to our agency will allow a local agency to service insurance policies.

We are available Monday through Friday from 9 AM to 5 PM in person and by telephone to answer your questions about your insurance policies with Hartford.  It’s best to have a local insurance agent servicing your needs.  Please call today to discuss assigning your Hartford insurance policy to our agency.

 Need a new Quote from Hartford Insurance Cincinnati?

Insurance policies available from Hartford:

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

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

Pekin offers 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 places to purchase insurance.

Why Aare Independent Insurance Agents in Cincinnati 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 available 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

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. 

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 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.