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!

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.

Bait And Switch Insurance

Do you feel that an insurance company or agent used bait and switch tactics to earn your business? If so you may not be alone.

Some companies and agents may offer you an insurance quote that is not based on what is truly on your driving record.

If that has happened to you please call 513-662-7000 to receive Insurance Quotes that are 100% accurate, 100% of the time.

How Bait and Switch Tactics Can Cost You Money.

The insurance business is very competitive. With more than 500 insurance companies offering car insurance in the state of Ohio we occasionally run across a situation where either an agent or a company representative will provide an initial car insurance quote that is not accurate based on claims or moving violations on the driving record.

This happened recently to a policyholder of our Cincinnati independent insurance agency.

We received a telephone call from a policyholder that had been insured with our insurance agency for many years stating he was canceling his insurance because he obtained a much better rate though another company selling insurance directly to the public. 

The Bait and the Switch by a Company that Advertises Non Stop on Television.

We asked the policyholder if the new insurance company was aware of the activity on his driving record as it did not appear the rates were accurate  based on his driving record.

He advised me the company was aware of his driving record activity. I wasn’t so certain they were charging him for the activity on his record.

Because there was such a significant difference in price for his car insurance quote I decided to obtain a quote directly from this insurance company using the policyholders information.

What did I discover?

The insurance rate quote he told me he was offered wasn’t even close to what the actual rate would be. In fact the actual price would be nearly 60% more than what they initially quoted him.

In any other business we would call that bait and switch, right? 

How to Avoid Bait and Switch Tactics by Insurance Companies

If someone claims they can save you money on your car insurance make sure they have run your credit, accident and driving record reports before you buy a policy, otherwise you might be the victim of bait and switch insurance.

If a company refuses to run these reports before you buy, don’t buy insurance from them.

Want a quote from an agency that guarantees 100% accuracy on insurance quotes 100% of the time? Click here to begin your online car insurance quote or call 513-662-7000.

Call us at 513-662-7000, or you can request an online Cincinnati car insurance quote by clicking here.

How to Avoid Taking a Ride on The Insurance Merry-Go-Round™.

When individuals or families are looking for automobile insurance in Cincinnati they may be induced to call a certain company based on a catchy advertisement they see on television. 

Insurance advertising is big business for ad firms, and insurance companies spend billions each year on their tailor made insurance advertisements to make their phones ring with potential new clients eager to save money on their insurance.

Here is a question you may want to consider when shopping for car insurance:

How long will the premiums remain this low?

The real truth about insurance is that insurance premiums never stay the same with any company.

No matter if you are shopping for insurance in Florida or you want auto insurance in Columbus Ohio you may obtain a good rate for a while, but over time that rate will increase.

The Insurance Merry-Go-Round? ™ is a pricing model used by every insurance company.

Let’s Review An Example Of The Insurance Merry-Go-Round™. 

Act 1 Scene 1: Your 21 year old son causes an at fault accident and 6 months later you receive a $700 rate increase on your car insurance and you decide to call a certain insurance company after watching a television commercial.

This company happens to be, The ABC Insurance Company, and they advertise extensively on television and you decide to give them a call.

Their television advertisement proved to be true as they are able to offer you a price $200 less than your current insurance company so you decide to take advantage of that $200 car insurance savings from The ABC Insurance Company and switch your insurance.

Act 2 Scene 1: Eighteen months later you get a new insurance bill from The ABC insurance Company and you notice that your rate has increased $247, so you decide to call your former company, The XYZ Insurance Company.

The XYZ Insurance Company congratulates you because you now qualify for a new insurance program that will save you $412, so you switch back to your former company.

Act 3 Scene 1:  You open your new bill after only six months of returning to The XYZ Insurance Company and you notice that they did it to you again and they raised your car insurance premiums by $217.

Because things are tight financially after your wife lost her job due to corporate downsizing, you decide to call a different company called, The Online Insurance Group. 

The Online Insurance Group claims they keep prices low by only selling insurance over the Internet. The Online Insurance Group finds you an even better deal and they save you $167 compared to what The XYZ Insurance Company was about to charge you in their latest bill.  You switch.

Act 4 Scene 1:  12 months later The Online Insurance Group increases your price by $419 citing increase claims for the reason for the rate increase and you decide to call a fourth company.

Round and round you go and where it stops no one knows, hence The Insurance Merry-Go-Round! ™

How Can You Keep Your Premiums Low for Life?

Purchase your insurance from an independent agency like Pathway Insurance! 

We represent more than 20 different insurance carriers so when you receive a rate increase we can shop among the carriers we represent.

Call 513-662-7000 to speak with one of our licensed agents today!

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