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.

Why do Independent Insurance Agencies in Cincinnati Offer the Best Rates?

If you’re looking for new insurance options call 513-662-7000, or click online insurance quotes and in 5 minutes or less you will receive quotes from top rated insurance companies in your area. 

Purchasing insurance from an independent agency in Cincinnati is a better solution compared to buying from a company only representing one company.

Most people would agree that insurance is inherently confusing. 

Adding confusion to the mix is a nearly universal message conveyed by almost every insurance company advertising on television:

Call us for cheap car insurance! 

Based on the implied assumption that the price we pay for insurance should be the chief factor in our decision making process, insurance buyers are left unaware of the dangers in believing all policies are equal between insurance carriers.

This lack of knowledge could very well cost the unassuming insurance buyer more money at some point in the future compared to what was saved in the short term. (claim denial)

What You Don’t Know When Shopping for Insurance?

What insurance companies don’t bother to explain is the super cheap rate they just offered you is not guaranteed for any longer than your first renewal term. 

The other small detail they left out on the fine print of their television advertisement is that they will increase your price at some point in the future! 

So the money you ‘saved’ by switching to a new company will likely disappear, or you might find yourself spending significantly more money than what you were paying before you switched!      

Simple Facts About Insurance:

If you buy Geico car insurance in Cincinnati because they offered you a lower rate compared to your previous insurance company.  Don’t get used to that low rate.  Eventually Geico will raise your rates!

It’s 100% true.  

Insurance companies are constantly modifying and changing their insurance rates based on a number of underlying factors.

One factor is the inevitable rate increase you are hit with after you cause an accident, get a ticket, add your 16 year son or daughter to your policy, or buy a sports car.

While it is true that some Insurance companies advertise accident forgiveness in Cincinnati, what they’re not telling you is that you have to pay extra money for accident forgiveness!

Rate Increase Example

A client by the name of Wilson changed to Geico a few years ago because he saved about $100.  He thought he was being a good consumer by saving money.  

After causing an accident Wilson received a substantial rate increase on his Cincinnati Geico car insurance policy.

He called our office to see if we could lower his rate.  We could and saved him about $400 compared to what Geico was going to charge him on his next policy renewal after they surcharged his car insurance policy for the accident.

If you save money on your insurance, you may pay more later because of a change in your circumstances. 

There is a proven way to keep your premiums low over the long run…it’s when you buy insurance from an independent insurance agency in Cincinnati.

How Can Our Independent Insurance Agency Offer Better Rates over the Long Run for Consumers?

Let’s assume that you are already insured with our agency and you receive a large rate increase because of an accident or other claim. We can shop your insurance with other insurance companies at your request! 

In contrast Geico sells car insurance through only one company – Themselves! 

When Geico raises your prices, they are not going to encourage you to take your business elsewhere.

Surprisingly many consumers are not aware that many of the companies advertising so predominately on television only offer insurance from one company!

Independent Insurance Agents in Cincinnati Offer a Better Choice for Consumers. 

Because we represent so many different insurance carriers, when you receive a rate increase on your insurance we can shop around to determine if you would qualify for lower rates. 

This type of approach is significantly better for you because not only is it likely that we can help you find a better rate, but we can also save you time.

So when you purchase insurance with our independent agency in Cincinnati you receive a significant benefit compared to companies offering insurance through only one company!

Pathway Insurance is a leading independent insurance agency in Cincinnati.  Call our office at 513-662-7000, or click here to receive an online insurance quote.