If you’re looking for car insurance in Cincinnati Ohio give us a call at 513-662-7000. 

We represent the top rated insurance carriers in this area. You can also receive an online quote by clicking on Pathway Insurance Quotes.

There is one critical step you need to keep in mind when you’re shopping for the best car insurance rates in Cincinnati.

Insurance Policies Contain Exclusions That Can Cost You Thousands!

Each insurance company provides their policyholders something called an insuring agreement.

Don’t confuse this with the declaration page that you receive with your company at each renewal. The insuring agreement is the heart and soul of your insurance protection because it explains what the insurer will cover, and more importantly what they will not cover.

It’s rare that policyholders actually read their insurance policy from cover to cover and that might explain why hundreds of thousands of complaints are filed against insurance companies each year for claim denial!

Four Steps to Avoid a Car Insurance Claim Denial for Car Insurance Cincinnati Ohio

The Very First Step: You should take time to read the entire policy insuring agreement.

Especially should you read your insuring agreement if your insurance carrier notifies you of changes in the terms or conditions of their coverage. Insurance companies have a tendency to make changes within their policies that in some cases are to your detriment!

The Second Step: You should ask for clarifications if you don’t understand what you’re reading.

Insurance policies are written by… Attorneys that have developed a language that they themselves only understand, that language is called legalese. Your insurance policy is loaded with legalese that may make it difficult for the average person to understand all of the particular facets of your insurance coverage.

Who should you get clarification from? You might first start by contacting your agent as many may feel that they would be in the best position to provide a clarification. However you should be aware that some insurance agents selling insurance coverage may be just as clueless as those who buy the insurance!

But on the other hand there are a few agents who are experts in the insurance arena. For instance we are the only Cincinnati independent insurance agency that offers a coverage checklist that can help policyholders avoid the 90 most frequent claims that are denied by insurance companies that are completely avoidable! Click here to learn more about the Pathway Coverage Checklist.

The Third Step: If you cannot get a clear answer from your insurance agent contact the insurance claims Department.

Why contact the claims Department? Because they are the ones that write the checks for claims and or send out claim denials! If you have a really good insurance agent and they are not aware of what the answer is, they will contact the claims Department for you.

The Fourth Step: Avoid activities that you know are excluded.

Sometimes people like to take shortcuts on their insurance to avoid paying higher insurance premiums. About six years ago a brand-new policyholder came into our office and they wanted car insurance. I personally went through the application with this new client, asking all of the underwriting questions.

One particular question specifically asked if the policyholder was going to use his vehicle for delivering pizzas, newspapers, or food products. He said no, he signed the application and guess what happened three weeks later?

He wrecked his car delivering a pizza!

His insurance company naturally refused to provide coverage and denied the claim and he had to pay $4,000 out of pocket because he decided to tell a little white lie on his insurance application!

In summary you will want to make sure that you invest some time to read your insurance policy, ask for clarifications from your agent or the claims Department if you’re not sure if something is covered or not.

Finally don’t try to take shortcuts with your insurance policy, it could very well cost you thousands of dollars out of pocket if you do so.

Regrettably Insurance Is Far More Complicated Than the Price You Pay for It. ™

That’s why you need a highly skilled agency to care for your insurance needs. Next time you are shopping for Car Insurance, why not call us at Pathway Insurance? 

On a regular basis our agency receives requests for car insurance quotes. If you need a insurance quote you can call us at 513-662-7000 or use our convenient online system when you click, get cincinnati car insurance quotes now. 

Sometimes Customers Get Overcharged by Thousands of Dollars!

In some cases as we are preparing the quotes, we find that our prices are thousands of dollars less compared to what the individual is paying right now on their current insurance policy.

Why do policyholders occasionally find themselves in a situation where they are being overcharged, potentially by thousands of dollars on car insurance in Cincinnati?

There are actually a number of reasons why this might happen and we are going to discuss in a series of articles, why policyholders might be getting overcharged by hundreds or even thousands of dollars by their insurance company.

First Reason Why Consumers Get Overcharged on Cincinnati Car Insurance

You are with a high risk insurance company!

Let’s assume a few years ago you developed a bit of a lead foot and you accumulated a number of tickets or you caused a few accidents and you were forced to buy high risk insurance. Let’s also assume that over time you learned your lesson and your driving record improved significantly and now you do not have any tickets or accidents on your record.

It’s true that even a high risk insurance company will lower your rates when tickets and accidents begin to come off your record, what you may not realize is that high risk insurance companies typically charge a larger premium compared to a preferred company. Let me share with you an actual example.

Let’s say that we have a husband and wife in their 40s driving a 2010 Honda Civic + 2004 Honda Pilot SUV. Coverage limits for liability are $100,000 per person and $300,000 per accident, $100,000 property damage. The quote includes full coverage with a $250 deductible for comprehensive and a $500 deductible for collision, plus car rental.

If the husband and wife are with a high risk insurance company because of their past driving history, but now their driving record is spotless. This is what they would be paying with one high risk insurance company:

Cincinnati High Risk Insurance Company- $236.83 per month.

Let’s now take the same couple and offer them a very competitive Cincinnati car insurance quote from a preferred insurance company:

Insurance Rates With a Preferred Company- $70.34 per Month.

In this example it’s more than three times more money to be insured with a high risk insurance company even if your driving record is spotless.

What Is the Moral of the Story?

If you were once with a high risk insurance company because of your driving record and your record has improved, give us a call or use our online car insurance quote comparison system. You will likely save a significant amount of money on your premiums!

Call 513-662-7000 For Extremely Competitive Car Insurance Rates!

If you would like a rate quote from Progressive car insurance in Cincinnati click here on Progressive Car Insurance Cincinnati. 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:

We can help you obtain Grange insurance quotes in Cincinnati and the surrounding areas. Call our insurance agency at 513-662-7000 for quotes from Grange and other leading companies doing business in our area. (Quotes are available in all 50 states. Click here quotes. 

Or you can request an online insurance quote from Grange by clicking the linkable area here:  Grange insurance quote.

Are You Moving to Ohio From a Different State? 

Are you relocating from another state and you wish to keep your Grange Insurance policy?

Pathway Insurance Services Inc. an authorized Grange Insurance Agency, can offer Grange Insurance in the states of Ohio, Kentucky, Michigan, and Indiana. 

If you are not moving to Ohio, Kentucky or Indiana and you want to Grange insurance quotes in other states click here. or Call us toll free at 800-998-0662.

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.  The reason why is based on state insurance law.

Insurance is regulated by the individual states and not on the federal level.  

Because insurance laws differ from state to state the policy you have in force with your original state will need to be re-written in the state in which you will now reside.

That’s not an issue or problem.

We can obtain new Grange insurance quotes in Ohio, Kentucky, Michigan, and Indiana in the blink of an eye by using our online car insurance quote engine or giving us a call at our office. If you are not located in the 4 indicated states call us at 800-998-0662 and we will help you find a Grange agent in your area.

Our telephone number is 513-662-7000, or 800-998-0662.

You may also obtain updated quotes from Grange online, click Grange Insurance Cincinnati Oh for Grange quotes in every state in which they are authorized.

Click here on Car Insurance Cincinnati 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 on Car Insurance Cincinnati.

When shopping for Insurance in Indian Hill Ohio and the surrounding areas we might buy coverage from the wrong agent or Company.  When that happens prepare yourself for headaches, aggravation, and sometimes you will lose money because you hired the wrong agent or company to care for your insurance needs. 

If you are looking for an agency with an absolute stellar reputation for Great Client Services. You will not find an agency better than Pathway Insurance. That is my promise to you as the owner!

Please call us to discuss your Insurance Needs at 513-662-7000, or use our online rate quote system when shopping for car and home insurance in Ohio, Kentucky, Indiana, or Michigan.

Business insurance of all types are also available through our company.

What happens when we Buy Insurance From the Wrong Company or Agent?

In eight different articles we will discuss the dumb mistakes, tricks, rude behavior, and flat out wrong advice that bad agents or company representatives offer up to their unsuspecting clients. 

Let’s consider Sassy Sally and Helpless Hal in our first article.

Sassy Sally is probably one of the worst insurance agents because she is rude, likes to argue with customers, and she’s not very helpful. 

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

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 Hal you want a $250 deductible on your car insurance policy and he gives you a $500 deductible instead.

You ask him to mail out new ID cards and you never get them.  You ask Hal to find out why you got a rate increase on your insurance and he never returns your phone calls. 

Helpless Hal is a good guy but a bad insurance agent.

Good customer service is hard to find.  All of us have had experiences with a Sassy Sally or a Helpless Hal in products or services that we purchase.  Increasingly companies place 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 insurance in Indian Hill Ohio, what are the warning signs that you are insured with Helpless Hal or Sassy Sally?

• When you buy your insurance policy the premium is more than what was quoted.
• Multiple mistakes are made on your quotes with no apologies from the agent.
• You never get 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 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, 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.
• You receive two different answers for the same question from two different people working in your insurance agent’s office.

Our local insurance agency believes in old-school customer service.  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 helpful, courteous, and we go the extra mile for our customers.

When shopping for insurance, 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.

Read our next article:  I am getting the Run around Ralph?  

Would you like to be insured with an agency that goes beyond the call of duty? 

Contact Pathway When Searching for Insurance in Indian Hill Ohio.

Take the first step by calling us at 513-662-7000 or use our online rate quote system for quotes from top companies offering insurance in the following areas:

• Insurance Indian Hill Ohio
• Madeira Ohio Insurance
• Insurance Batavia Ohio

Facts about State Farm Insurance in Cincinnati

State Farm sells car insurance in Cincinnati through captive insurance agents. A captive insurance agent can only sell car insurance in Cincinnati through the one company they represent. Unlike GEICO or Progressive Direct Insurance, State Farm does not sell car insurance direct in Cincinnati, but utilizes an agent field force of local agents who offer car insurance in Cincinnati through State Farm.

If you are a State Farm policyholder and State Farm raises your car insurance rates in Cincinnati, your agent is not allowed by State Farm to shop the Cincinnati automobile insurance market for you.

State Farm is located in Bloomington Illinois and was incorporated in 1922 and is represented by some 17,000 agents across the country.

You can click here for online car insurance rates in Cincinnati.

If you are a State Farm Policy Holder in Cincinnati and your rates have increased?  Take this step:

Take 5 minutes or less and you will receive online insurance quotes in Cincinnati using our instant auto insurance quote generator. You will receive up to six different car insurance quotes in Cincinnati in five minutes or from competitors of State Farm:

Who Are We?

We are a direct competitor of State Farm insurance.  Pathway Insurance Services, Inc. is an independent agency with our home office in Cincinnati Ohio.   Independent agencies can represent many different insurance companies offering a significant advantage to the savvy insurance shopper in Cincinnati. Pathway Insurance represents more than 30 different insurance companies.

You can call us at 513-662-7000 or request online Ohio car insurance quotes by clicking here. (Rates will be available in 5 min. or less.)

*Auto insurance rates in Cincinnati vary from company to company and you may save a significant amount of money on your State Farm auto insurance policy, or you may not be able to save any money.

Grange offers some of the best auto insurance rates in Cincinnati.  Quotes can be obtained by calling our agency directly and our telephone number is 513-662-7000. 

Or just as easily you may request online quotes from Grange and other top companies in five minutes or less by clicking: Grange Insurance Quote.

Online car insurance quotes with Grange insurance are available in Ohio, Kentucky, Michigan, and Indiana.

Have You Lost Touch With Your Grange Agent?

Call us at 513-662-7000 because we can most certainly provide you the service and attention that you need if you have lost touch with your Grange insurance agent.  We often receive telephone calls from policyholders and regrettably they do not remember the name of their Grange agent!

We stay in touch with our policyholders by means of our Pathway Protection Letter.   This is a biweekly newsletter that we send to all active policyholders to keep you informed and to stay in touch with our valued clients!   

We offer convenient office hours in our Blue Ash office and we can help you with billing, policy, and claims questions.  

Why not call us today to work with a proactive Grange agency?     

Additional information about Grange Insurance Cincinnati.

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!

Pathway Insurance offers the following insurance policies with Grange:

• Grange Auto insurance Ohio.
• Grange Homeowners insurance Ohio.
• Grange Commercial auto insurance Ohio
• Grange General liability insurance Ohio.
• Grange Life insurance Ohio.

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.

Call 513-662-7000 when looking for Grange Insurance Cincinnati! 

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 and you would like the lowest rates on your automobile insurance, then click on Car Insurance Cincinnati now to assure your 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 and you desire the best rates on you auto insurance then click here on Car Insurance Cincinnati to receive 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.