Certain Types of Vehicles Can Double or Triple Your Insurance Premiums!

It would probably be a good idea to contact your insurance agent first before you purchase your next automobile, otherwise you may receive a serious case of insurance sticker shock when you get your next insurance bill! 

If you’re looking for a top rated insurance company to help you with your car insurance in Ohio call 513-662-7000 or you can begin an online quote by clicking: Insurance for Luxury Cars in Ohio.

Why Do Some Cars Cost More to Insure?

There are a number of different factors that come into play that will determine how much you pay for the cost of insurance for certain types of vehicles.  For instance what is the value of the vehicle?  Who will be driving the vehicle?  What is your personal credit score?  How much potential damage could this vehicle cause if it were involved in an accident?

That’s why it’s always an excellent idea to find out what the insurance will cost you before you buy your shiny new car verses after you buy it.

There’s One Particular Factor That Will Drive Your Premiums through the Roof

When you have a teenage driver in your household.  

Add any type of sports, luxury, or exotic car to your policy with a teen driver and watch your car insurance premiums hit the stratosphere! Good for your agent, bad for you.

Several Tips That Will Keep Your Premiums Low

As a general rule of thumb, unless you have plenty of cash to invest in high insurance premiums, avoid any type of sports car when you have teenage drivers in the household, or you have a bad driving record. Depending on what kind of luxury, exotic, or sports car you buy you could get dropped altogether or your premiums may jump more than 500% because your company views you as a high risk driver if you buy the wrong car.

In addition some car insurance companies in Cincinnati will rate the youngest teen driver in your household on the highest rated car. So if you own a Porsche 911 Targa 4 that will go up to one hundred and seventy seven miles per hour and retails for over ninety thousand dollars, hold on to your seats for massive premium increases because your sixteen year old teenage son may be the one rated on that car!

Cheap Insurance Rates for Teen Drivers

Keep these points in mind for low insurance rates for teen drivers. If you buy an older four door sedan with a four cylinder engine (not turbo charged) that only needs liability coverage, this will help you keep low cost car insurance rates. Or if there are three drivers in the household and only two cars, one driver could be rated as an occasional driver, helping to lower your car insurance rates.

Avoid the temptation to buy a 4X4 truck or jeep for your teenage driver as these vehicles carry much higher premiums due to the higher risk of accidents and claims.

Further information can be found on our blog showing a specific strategy known as the driver’s exclusion clause, which some insurance companies allow, that may save you a fortune on high car insurance premiums in Cincinnati when your teenage son or daughter has multiple tickets or accidents.

Why Make Fat Cat Insurance Executives Rich by Overpaying on Your Insurance When You Own Luxury, Exotic, or Sports Cars?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are begging to insure Hummers, Land Cruisers, Aston Martins, Bentley’s and any sport car with or without teenage drivers on your policy.

The bad news is that it’s going to cost you more money for your insurance compared to someone who hasn’t had a lapse in coverage.  If you have allowed your insurance policy to cancel contact Pathway Insurance at 513-662-7000 and speak with one of our professional license representatives. Regrettably you will need to purchase Ohio high risk car insurance but we can help you find great rates. You can also receive a online quote in 5 minutes or less click: Auto Insurance Rates for Ohio Drivers.

Why Drivers Pay More for Canceled Insurance Policies?

Some states require that if you are a licensed driver you need to maintain continuous insurance coverage even if you don’t own a car, did you know that?

If you allow your insurance policy to cancel without first finding a replacement car insurance policy through another company, you could be labeled as a high risk driver in Cincinnati and your premiums will skyrocket when you decide to comply with Ohio state insurance law!

To make matters worse, many companies will not insure you if you have had a lapse in coverage for more than 30 days, or they will charge you a much higher rate on car insurance in Cincinnati.  Companies such as State Farm, Travelers, Farmers or Nationwide insurance may not offer you a new insurance policy if you allow your insurance to lapse because they will consider you a high risk driver!

How Do You Avoid Ohio High Risk Insurance?

Tip – Keep your insurance coverage in force at all times unless you want to be marked as a high risk driver. In the event you don’t own a car buy a Ohio non-owners car insurance policy. A non-owners policy will provide the insurance protection that the state requires so if you are selected randomly by the BMV to prove that you have insurance coverage you won’t lose your driver’s license.

Either that or forfeit your Ohio driver’s license! The choice is yours.  If you lose your Ohio,  Kentucky, or Indiana driver’s license for non compliance of insurance laws, you will be fined, and be required to file an SR22 with the state.  If you get caught driving on a suspended drivers license, be prepared for free room and board at your local detention facility. (That means you are going to jail)

Paris Hilton and other famous starlets have been incarcerated after getting busted driving on a suspended license!!  The maximum penalty in Ohio for first time offenders is six months for driving on a suspended driver’s license!

Additional information can be found on our blog showing how to avoid jail time and expensive car insurance premiums in Cincinnati by taking one simple step.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Get Busted Driving Without Insurance in Cincinnati?

Click here to save hundreds of dollars from insurance companies who have the best car insurance rates if you are a first time driver in Cincinnati, need an SR22 state filing, want to purchase a non-owners car insurance policy, or if you have been labeled as a high risk driver in Cincinnati.

This is a frequent mistake many make on their car and home insurance that results in higher overall insurance premiums in many instances for consumers when they own a home.  If you find yourself in a position where you have car insurance with one company, and home insurance with another company you are getting overcharged!  Call 513-662-7000 to receive a package discount on both policies!  Or click: Online Car and Home Quotes in Cincinnati

When you combine your car and home insurance with the same company you can receive significant discounts that might save you hundreds of dollars!

There are a number of insurance companies that will sell car insurance direct to you without a local agent such as GEICO, Esurance, and Progressive Direct.

If you own a home they will give you a discount on your car insurance policy for that, but you are still giving up a valuable discount on your homeowner’s insurance policy that may cost you more over the long run than any amount of money they saved you on your car insurance!

This Is How to Save Money on Your Car and Home Insurance at the Same Time!

Tip – If it is possible package your car and home insurance with the same company. You might receive as much as a twenty-five percent rate discount when you package your car and home insurance with the same company. Avoid like the plague purchasing car insurance from companies who aren’t willing to also insure your home as well.

The last thing you should be worried about when your house burns down is what insurance company or agent takes care of the homeowners insurance! To save the most money over the long run you should package your car and home insurance with the same company.  If you have your insurance with a company the only sells car insurance only, drop them immediately and purchase insurance from a company that will give you discounts on both car and home insurance!

Further information can be found on our blog showing “hidden” insurance discounts and strategies that may not necessarily be clearly explained to policy holders, resulting in some consumers paying higher premiums for car and home insurance.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Have Coverage With Two Different Companies?

Call Pathway Insurance today at 513-662-7000 if you want to save hundreds on your insurance from companies willing to give you a multi-policy discount on both your car and home insurance!

Turning Car Accident Claims in Is Why I Have Insurance Right?

Wrong.

Insurance companies really don’t want you to turn in any claims in reality. That’s why in some cases they will increase your rates substantially when you have a car accident that’s your fault.

If you find yourself in the position where you have had a number of accidents, click High Risk Auto Insurance Ohio. Or you can give us a call at 513-662-7000 to find companies willing to offer you better rates when you’ve had an accident or two.

Why Insurance Companies Penalize for Accidents?

Insurance companies will take away safe driver discounts that could be as high as forty percent for the entire policy, plus if the car accident causes over a certain amount of money to be paid out, your insurance company may tack on an additional forty percent surcharge on the car that was involved in that particular accident, that’s just for the first accident!

It gets worse, two minor accidents in three years makes you a high risk driver, which might mean you could be dropped, or your car insurance premiums could triple.

Tip – Raise your deductibles to one thousand and pay most small claims out of your pocket. Handle the claim yourself as long as you are positive there are no injuries to yourself or the other party, doing this will help you keep low cost car insurance premiums compared to someone who turns in every scratch or dent.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Turn In Too Many Claims?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you dirt cheap car insurance rates if you have had one too many claims turned in, or are willing to give you unbelievably low insurance rates for safe drivers.

Insurance for Bad Credit in Ohio

Did you know that most insurance companies use your personal credit in determining what rates to charge you for car, home, and business insurance?

If you have bad credit, say goodbye to cheap insurance rates. You are almost guaranteed to be paying up to three hundred percent more compared to someone with good credit!

If You Have Bad Credit Here’s the Good News

If you have had a few mishaps on your personal credit and your insurance company is making you pay the price. Call 513-662-7000 as we offer car insurance for Bad Credit, and homeowners insurance for bad credit!

The good news is that eventually over time your credit will likely improve and you will be able to find cheaper insurance rates.

Tip – Take the following steps to improve your credit and watch your insurance rates drop faster than the stock market. Rule number one never pay your bills late. Rule number two make sure that your credit card balance never goes past thirty percent of the limit. If your limit is five thousand dollars, get the balance below fifteen hundred on all of your credit cards and you will see your credit score improve by as much sixty points in less than sixty days!

More helpful information can be found on our blog showing one specific technique you can use to make sure that you always get the best insurance score from your company.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Have Bad Credit?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you dirt cheap car insurance rates if you have bad credit, or are willing to give you unbelievably low insurance rates when you have fantastic credit.

Low Deductibles Cost You More Money on Your Insurance!

Did you know that your Cincinnati insurance company may charge you a significantly higher premium when you carry a small deductible?

You may be paying twenty four percent more each year by having a two hundred and fifty dollar deductible, and you may be paying as much as forty seven percent more if you have a one hundred dollar deductible.

If you call our office at 513-662-7000 and speak with one of our agents we can show you exactly how much you will save by switching to higher deductibles.

Smaller deductibles only encourage insurance buyers to turn in claims.

Do you know what happens when you turn in too many claims?

Say goodbye to Cheap Cincinnati Auto  Insurance rates for three to five years. If you use your car, home, or business insurance policy like an HMO, very soon you’ll be paying premiums so high you’ll wish you could trade your car in for a shiny new bicycle.

Tip – Raise your deductibles to five hundred or a thousand dollars or higher.

Additional tips and strategies can be found on our blog that show the hidden cost and extra profits to the insurance companies bottom line when policyholders choose small deductibles.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Have A Small Deductible?

You can find great insurance rates in Cincinnati by contacting our independent insurance agency.  We might be in a position to save you hundreds, and possibly thousands of dollars from insurance companies who are willing to give you the lowest car insurance price you can find when you choose a deductible higher than two hundred and fifty!

Has it been some time since you have taken time to shop around for cheap insurance rates in Cincinnati?  This is a BIG MISTAKE. Sticking your head in the sand is just about as crazy as trusting the same insurance company you have had for more than 3 years to give you the best rate on insurance in Cincinnati. It is not realistic. When you Compare insurance rates in Cincinnati you will often find a better price.  If you would like quick quotes on car insurance in Ohio call 513-662-7000, or click here to receive an online auto insurance quote.

Insurance companies raise and lower premium rates constantly because of competition. Insurance rates never stay the same with any company. It could be possible that your current insurance company is charging you a higher premium rate because you are a veteran client, but at the same time offering a much lower rate to “new” clients, inducing them to purchase a new car, home, life, or business insurance policy.

How do you know if you are getting the best insurance rates from your current company? If you are getting “old” rates from your current insurance company you may be overpaying by hundreds or even thousands of dollars for the exact same coverage and same company.

One additional tip can be found on our blog that teaches you how to get your current insurance company to drop your car, home, and business insurance rates by as much as thirty percent instantly. Calls us that the office and we will show you how to do it.  Office number is 513-662-7000.

Why Make Fat Cat Insurance Executives Rich Because You Have Not Shopped For Lower Insurance Rates?

Get a new insurance quote in Cincinnati even if you think you are happy with what you are paying, you may be shocked to learn that you could be overpaying hundreds, or thousands more than you should.

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you cheap car insurance rates in Cincinnati when you are a “new” customer.

Are you looking for the best rates on insurance for Teenage Drivers in Cincinnati?

Call 513-662-7000 to speak with the insurance professionals, or click here to receive an online insurance quote in all 50 states.

Did you know that some of the largest insurance companies would prefer not to insure your teenage driver in Cincinnati?  

It’s true.

They will give you a price and insure your son or daughter but what you may end up paying could be double or even triple what other companies are willing to charge for the exact same coverage!

Teen drivers account for a large number of accidents and fatalities and insurance companies compared to older more experienced drivers. 

Because of this fact some companies will increase insurance rates significantly when you add a young driver to your policy!

Sticker Shock for Parents of Teenage Drivers!

If you already have a teen driver on your policy you are already paying significantly more for car insurance. If your son or daughter is close to obtaining their license, prepare yourself for car insurance sticker shock.

What Step Can You Take to Find the Best Insurance For Teenage Drivers in Cincinnati?

Tip – The first step you should take is to obtain rate quotes from multiple car insurance companies. Car insurance rates can fluctuate by as much as three hundred percent for teenage drivers.   In other words one company may want to charge you three times more money compared to another insurance company to insure a young driver.

In our agency we have saved some parents over two thousand dollars a year compared to what their previous insurance company charged them.

Unless you invest time to obtain car insurance rate quotes from other companies, it’s impossible for you to determine whether or not you are getting a good deal or if you’re being ripped off by the insurance company.

As an agency we can provide quotes from top rated companies in your area to help you save money on your car insurance.

Click here to receive an instant online car insurance quote from top companies in your area.

What Is the Second Step to Keep Premiums Low for Teenage Drivers in Cincinnati?

Pick the most insurance friendly car for your teen driver. If you must buy a car for your son or daughter buy a four door, four cylinder low profile vehicle that doesn’t need full coverage.

Also make sure that you are getting all of the discounts you are entitled to including the good student discount for teenage drivers, drivers education, and the away at school discount for college age drivers if you qualify.

More helpful tips for teenage drivers can be found on our blog that show the best way to get the lowest prices on car insurance when you have teenage drivers on your policy.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Car Insurance When You Have Teenage Drivers On Your Policy?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you the lowest car insurance rates in Cincinnati for your teenage son or daughter.

Speeding tickets and accidents may cause you to need high risk insurance in Cincinnati!

If you have multiple tickets and accidents you will need the best high risk insurance quotes in Cincinnati! Call 513-662-7000 to speak with one of our agents.  You can also receive an online auto insurance quote by clicking here.

Does a driver in your household have a lead foot racking up tickets and accidents like they are doing a remake of Mad Max in the Thunderdome?

Insurance companies in Cincinnati will rake you over fiery hot coals with massive price increases on your car insurance when you feel the need for speed and get caught.

Your car insurance premium could be increased as much as three hundred percent or more, or they will simply drop you when the tickets and accidents start to pile up, possibly classifying you as a high risk insurance driver in Cincinnati.

Especially is that the case if a driver is under the age of twenty one.

Do You Want Cheap Car Insurance in Cincinnati?

If so do not push the pedal to the metal.

Try to leave for work or school a few minutes early so you do not feel the need to speed. Or if you are a parent and you have an emerging Evil Knievel in your midst, take the keys away or be prepared for triple digit rate increases on your car insurance bill!

More helpful information can be found on our blog showing specific tips and strategies that might help you avoid being labeled a high risk driver in Cincinnati.

Why Do You Want to Overpay On Your Insurance When You Have A Few Tickets And Accidents On Your Record?

Click here for cheap car insurance rates in Cincinnati that are almost guaranteed to save you hundreds, if not thousands of dollars on your insurance when you have multiple tickets, accidents, and claims, or worse you have been labeled as a high risk driver!