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? 

Do you need motorcycle insurance in Cincinnati? Call 513-662-7000 to find the great rates on motorcycle insurance in Ohio, Kentucky, or Indiana.

Our Cincinnati independent insurance agency is one of the best places to find motorcycle insurance in Ohio. Why are we among the best? The price on motorcycle insurance varies from company to company just like it does for car insurance.

Some motorcycle insurance companies are willing to offer better prices than others. We offer Ohio motorcycle insurance from 10 different insurance carriers offering the most competitive rates based on your individual circumstances.

For instance, one Ohio motorcycle insurance company may offer fantastically low rates for motorcycle insurance if you’re over the age of 50. Another company offers the best rates on motorcycle insurance in Ohio when you are 20 years old and you buy a high-performance motorcycle.

Why You Should Not Purchase Motorcycle Insurance Direct?

There are two reasons why you should not purchase motorcycle insurance direct. Some motorcycle owners mistakenly believe that when you buy motorcycle insurance directly with a company that will guarantee you a better rate, in most cases it will not. Why?

There isn’t one single Ohio motorcycle insurance company that offers the best rates for every conceivable age group and type of motorcycle. Prices on motorcycle insurance in Ohio vary wildly between companies.

The second reason you should not buy motorcycle insurance direct with the company is due to the fact that not every person’s financial circumstances are the same. A professional insurance agent can assist you in choosing the correct coverage for your motorcycle.

If you purchase motorcycle insurance directly with companies that do not have local agents in your area, you may not be getting the correct advice that you need to protect yourself financially.

Call 513-662-7000 for Motorcycle Insurance in Ohio, Kentucky, and Indiana.

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.