Are you looking for car insurance in Cincinnati? You have come to the right place. Pathway Insurance is one of the most advanced independent insurance agencies in Cincinnati. Call us at 513-662-7000, or you can request an online Cincinnati car insurance quote by clicking here.

Insurance Is About As Much Fun As Watching Paint Dry On The Ceiling.

Okay so I thought it was a catchy title but not necessarily such an interesting topic. The general opinion is that Insurance in Cincinnati is about as much fun as watching paint dry on the ceiling, and in most circumstances that consensus would probably be right.

Why Choose Pathway Insurance?

When looking for Insurance in Cincinnati you have many places to choose from, but what you don’t know about insurance can truly harm you financially.

My name is Jack Thomas and I manage an independent insurance agency in Cincinnati. I am an author, blogger and prolific writer. The honest truth is I love to write, educate, and occasionally display a bit of dry humor in reference to insurance. (Insurance is boring but it doesn’t have to be that way.) Currently I’m working on a book that will reveal some nasty little secrets that some insurance companies don’t want you to know about. I’ll share more about that in a future article.

You’re probably aware if you live in Ohio, Kentucky, or Indiana that you are required to maintain car insurance. Because of that fact consumers are under the general impression that insurance policies are all exactly the same. That could not be further from the truth!

How Do We Learn about Car Insurance in Cincinnati?

In reality insurance is a necessary evil but at the same time very much misunderstood. We learn about insurance by watching television commercials. Insurance companies tells us that we are paying too much for our car insurance in Cincinnati and they alone hold the key to our salvation to cheap car insurance rates. I call this the Insurance Merry-Go-Round™.  I’ll explain in my next article the exact details about the Insurance Merry-Go-Round™.

When people are looking for car insurance in Cincinnati, they might notice a similar insurance advertising theme that is running in the Ohio, Kentucky, and Indiana area where our agency actively offers insurance.

State Farm Insurance in Cincinnati, through their television advertisements tells us that they offer 40% discounts, Geico insurance tops on another 15%, Progressive tells us that they can save you hundreds, 21st Century Insurance in Cincinnati tells us that if you’re with Geico or Progressive you’re overpaying by hundreds.If you were to add up all the discounts and the rate savings your insurance should be free right?

Why Do These Insurance Companies in Cincinnati Make These Claims?

Insurance commercial dominate the television advertising market in Ohio and they likely dominate in your area as well, because it makes their phones ring, and because the insurance companies running those ads are making money hand over fist! Insurance is big business, and it’s profitable as well. You may not be aware of this but did you know that Warren Buffett owns Geico? He owns Geico insurance in Cincinnati because it’s an awesome investment!

So we see insurance commercials on television because companies are convincing us to buy their insurance policies raking in millions, and billions of dollars in new insurance premiums.

But is that all there is to insurance? The company offering the best price on insurance wins?

Let’s explore this a little bit more in my next article called, What Is The Insurance Merry-Go-Round™.

The Best Auto and Homeowners Insurance Rates in Cincinnati Come from Independent Insurance Agents.

Call 513-662-7000 to receive a rate comparison or you can receive an online Cincinnati insurance quote by clicking here.

Why Did I Get a Rate Increase on My Insurance in Cincinnati? 

There isn’t a single insurance company in Cincinnati that could ever guarantee that they would never raise your rates on car or homeowners insurance. The reason why they would never make this promise to you as their policyholder is because they know they are going to raise your premium rates at some point in the future! That is a rock solid guarantee. (If an insurance agent in Cincinnati promises you that they won’t raise your rates, they are misleading you.)

Ok, I Played This Song before I Know I’m Going to Get a Rate Increase on My Insurance in Cincinnati. What Can I Do? 

The first thing that some people do when they get a rate increase on their insurance in Cincinnati is to call their agent and complain about the rate increase. If your agent is a captive insurance agent the only thing they can do in most cases is to recommend that you raise your deductible or eliminate coverage. (Such as going from full coverage to liability only on your car insurance.)

Captive Insurance Agents Cannot Shop around for New Insurance for You. 

A captive insurance agent is legally handcuffed by his insurance company. Even if he wanted to try to find a lower price for you, he is forbidden by his company to shop around for new rates with other companies.* (If an insurance agent is a captive agent and it is discovered that he is selling insurance through other companies that are not authorized they can be terminated by that company.)

You Only Have One Choice If You Get a Rate Increase on Your Insurance in Cincinnati and Your Agent Can’t Shop the Market for You. 

Even if you really like your insurance agent, but he sells insurance through a captive company he cannot shop the market for you. So you either need to pay the higher insurance premium, or you take your business elsewhere. That’s a big disadvantage to you as the insurance buyer.

It takes time and effort to shop around for insurance in Cincinnati. There are more than 500 different insurance companies that sell insurance in Ohio. How long would that take you to get 500 different insurance quotes? Trust me it would not be worth your time.

An Independent Insurance Agency in Cincinnati Can Shop the Market for Their Clients 

If you have your insurance with an independent insurance agency in Cincinnati, they can shop the market for you. While it is true that not all independent insurance agents shop around for their clients when they get a rate increase, our agency guarantees that we will shop around for you when you request a new quote.

*Full Disclosure: Some captive insurance companies allow their agents to sell products through other companies that they do not offer themselves, for instance if the company doesn’t sell health insurance they may allow their agents to sell health insurance through one of their recommended companies.

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.

Cheap Insurance in Cincinnati Could Be Your Undoing!

Every insurance company in Cincinnati that advertises on television or radio promotes only one thought to those who listen.  Save money on your insurance in Cincinnati!  How could it cost you money when you save money on your insurance?  When you get no advice on your insurance coverage in Cincinnati.

Why Is It a Bad Thing to Get No Advice on Insurance in Cincinnati?

When you get bad advice, or let’s assume you get no advice on your insurance in Cincinnati that’s a very bad situation for you as the policyholder.  Insurance is a very complicated financial contract. Most people when they are drawing up a legal contract will hire a competent attorney to decipher and to provide advice about that contract.  

Who Gives You Advice When You Purchase Insurance in Cincinnati?

Most people would say my insurance agent gives me advice.  Is that really true?  Many new clients of our independent insurance agency in Cincinnati report to us that we were the very first insurance agent that had taken time to explain insurance matters to them. In reality many companies that sell insurance in Cincinnati only quote a price and they give no advice. ™

It’s a Mistake to Buy Insurance in Cincinnati from an Agent That Provides No Advice.

There are many restrictions, and exclusions of coverage within the average Cincinnati insurance policy that many policyholders are ill equipped to decipher on their own.  Insurance contracts are written by attorneys in a language better known as legalese, which many find confusing and difficult to understand.  If your insurance agent in Cincinnati provides no advice, how do you know that you’re even properly covered?

Insurance Loopholes Could Cost You Thousands of Dollars!

What you don’t know about your insurance can cost you thousands of dollars!  Don’t make the colossal mistake of making your decision to purchase insurance exclusively on the price you pay, because you may regret it later.   

Call the Cincinnati Insurance Experts

Pathway Insurance Services Inc.

513-662-7000

Most people probably want to avoid claims.  It can be time-consuming and frustrating.

What’s more sometimes claims are denied by insurance companies, the claim settlement could be delayed, or we receive far less than what we believe we are owed.

Statistically more than 300,000 documented complaints are filed against insurance companies each year.

Most people will not file a complaint as they may believe that the departments of insurance have no real authority to force an insurance company to pay an individual claim. (That’s true.)

Bad Claims Service in Cincinnati Is a Problem for Policyholders.

If your insurance claim in Cincinnati is denied, if the settlement is delayed, or the amount of money received is less than what you anticipate, what steps can you take? 

Our first reaction might be to contact an attorney.  If you believe that threats of contacting an attorney will sway an insurance claims adjuster you should reconsider that approach. 

This strategy has little to no chance of success with most insurance claims adjusters in Cincinnati.

The reason why is because they understand that in most instances this is an empty threat by the policyholder.  Additionally claims adjusters also realize that many car accidents are simply too small for an attorney to take on a contingency basis unless you as the claimant are willing to pay potentially thousands of dollars upfront.

How Do You Avoid Bad Claims Service?

First of all you need to thoroughly understand your insurance coverage.  Insurance policies do not cover every conceivable claim situation. 

Additionally insurance policies contain many restrictions and exclusions of coverage.  So in other words if your insurance claim was denied, was it because you were engaged in some type of prohibited activities by the insurance company? 

If so you are probably fighting an uphill battle that you will likely lose.

Want to Know How Our Agency Can Help You with Your Insurance Needs?

As a leading independent insurance agency in Cincinnati we help our clients decipher the major insurance loopholes that are hidden in plain sight. 

Many agents and companies only quote a price and give no advice on insurance. ™ That’s a mistake if you follow that pattern. Choose our independent insurance agency in Cincinnati to care for your needs. Call today for your free analysis.

Our office number is 513-662-7000.

What Is Home Insurance and How Does It Help Me?

If you own a home, condominium, or rent an apartment you can be covered by a homeowners insurance policy form.

Technically there are six different versions of a homeowner’s insurance policy. Click here to read about each individual homeowner’s policy in Cincinnati.

A homeowner’s insurance policy (depending upon the specific policy form) protects the home itself, detached structures on your property, your personal property, and can even provide money to cover extra expenses while your home is being repaired or rebuilt.

Additionally a home insurance policy can provide liability protection against claims or lawsuits involving damages from bodily injury or property damage. Your Cincinnati homeowner’s insurance policy can also cover medical payments to others.

The Most Commonly Purchased Home Insurance Policy in Cincinnati Is the HO3.

Is this particular home insurance policy the best for your circumstances?  It depends on your individual insurance needs. The biggest disadvantage with the HO3 homeowner’s insurance policy is that your personal property (Coverage C) is only covered if the direct physical loss is caused by one of 16 different perils. (Some companies may only insure against 15 named perils.)

Click here to read a list of the covered perils in the HO3 Home Insurance Policy.

So in other words if something happens to your personal contents of your home and it is not listed in one of the named perils it will not be covered.

We Can Help You Find the Best Homeowners Insurance in Cincinnati

Because we are an independent insurance agency in Cincinnati we have the ability to shop for the home insurance policy that is best for your individual circumstances and needs.

Call 513-662-7000 to speak with a homeowner’s insurance expert in Cincinnati, or contact us by e-mail: Jack@pathwayinsurance.net

Are You Looking for Insurance in Cincinnati?

Call our conveniently located independent insurance agency in Cincinnati @ 513-662-7000 or click here to receive an online insurance quote in Cincinnati.

In our previous article we discussed that there were more than 300,000 documented complaints filed against insurance companies last year.  The top two reasons why consumers file complaints against insurance companies is due to claim denials and settlement offers that were less than expected by policyholders.

How Can You Avoid a Claim Denial On Your Cincinnati Insurance Policy?

As was mentioned in the previous article we have developed an exclusive and unique educational service for Cincinnati policyholders.  This service is not available with any insurance agency in the area that we are aware of. 

This service is based on a book that I will be publishing later this year that will be available in your local bookstores and through Amazon. If you missed this article, click here to read it now. 

This unique service is called The Pathway Protection Letter™

The Pathway Protection Letter™ is a completely unique educational newsletter that discusses the specific reasons why insurance companies deny claims.  More importantly this newsletter gives you common sense coverage scenarios written in plain English that help Cincinnati policyholders understand activities that they may be engaged in that could get your next claim denied.

Why is this information so valuable and extraordinary?

Primarily it can help you avoid claim denials.  There are literally hundreds of different scenarios that you could find yourself in that would result in a claim denial.  If your insurance company refuses to pay, that means you will pay!

If a claim is denied your first reaction might be to file a lawsuit against the insurance company.  Will you be successful?  Possibly not.  A catastrophic claim not paid by your insurance company in Cincinnati could destroy you and your family financially.

Quotes for Insurance in Cincinnati available 24 Hours Per Day!

We have available an online rating system that will provide quotes from top companies offering insurance in Cincinnati.  For your instant rate quote click: Insurance in Cincinnati.

We are the best broker offering insurance in Cincinnati so why not talk to us today to discuss your needs?  There is much more to insurance than merely the price you pay for it. Don’t waste your time allowing Insurance agents or companies, who only quote a price, but give no advice™ to care for your insurance needs.

Call our office today so we can review your insurance needs. If you decide to allow our agency to care for your insurance needs you will receive free of any cost The Pathway Protection Letter™

Are you looking for Travelers Insurance in Cincinnati? 

Please call our agency at 513-662-7000 to receive insurance quotes from Travelers Insurance Cincinnati, or choose Travelers Insurance Quotes to begin online insurance quote from Travelers and other top rated companies. 

Pathway Insurance is a leading independent insurance agency proudly representing Travelers Insurance.

Facts about Travelers Insurance Cincinnati 

Travelers insurance is one of the oldest insurance companies in the United States.  Travelers began doing business on April 1^st 1864.  You can purchase Travelers Insurance primarily through independent insurance agents in Cincinnati.

Travelers offer competitive rates on car insurance and home insurance in Cincinnati and many states in the United States.

Travelers Uses the Independent Insurance Agency Distribution Channel to Market Its Products

Many companies advertising on television offer their insurance products by means of captive agents.  Travelers takes the opposite approach.  While it may make more sense to sell insurance from agents that are exclusive to the company.  It is recognized that the independent agency system is actually the best way to market insurance products and services.

Independent agents offer choices, whereas companies such as State Farm, GEICO, Allstate, Nationwide, and Farmers insurance agents are only able to sell insurance from the company they represent in most instances.

Need Service on Your Travelers Insurance Policy?

If we are currently not caring for your Travelers insurance policies please call us and we can service your needs if you have lost touch with your agent. Our office telephone number is 513-662-7000.

Contact a Cincinnati Travelers Insurance agency Today!

Pathway Insurance Services Inc. is a leading independent insurance agency in Cincinnati representing Travelers Insurance in Ohio, Kentucky, and Indiana.  You can obtain online insurance quotes from Travelers Insurance by clicking on this link: Travelers Insurance Cincinnati.

Pathway Insurance Contact Information:

513-662-7000

You may obtain online Travelers insurance quotes in Cincinnati by clicking here.

Travelers offers the following insurance products:

(If you are looking for Progressive Insurance in Cincinnati call 513-662-7000, or click here to receive car insurance quotes from Progressive Insurance in Cincinnati.)

Is this Truth, Fiction or Somewhere in Between?

It is true, but there’s something that they are not telling you in these catchy advertisements.

The spokeswoman named Flo states confidently that we are the only company who lets you name your own price. 

What she doesn’t tell you in the television advertisement is that you could name your own price with any insurance company!

How could you name your own price with any insurance company selling car insurance in Cincinnati?  Simply tell the company or agent how much you want to spend!  It’s as simple as that! 

When you obtain Progressive car insurance quotes in Cincinnati using Progressives website, you can use a slide bar that you move to the left to reduce your price.  At the same time your coverage is reduced and your deductibles are increased.

Do you recall the Allstate Insurance Mayhem commercials we discussed in our last article?  Allstate Insurance in Cincinnati is running a very clever advertisement campaign that directly slams on Progressives name your own price marketing gimmick.

Dean Winters is the random windstorm and after he plummets to the ground smashing a car flat he states: 

“If you named your own price on car insurance you could be picking up this tab yourself!” 

In our next article will discuss an example of how you could get burned financially when you name your own price on insurance in Cincinnati.

Insurance without the Disclaimers, Fine Print or Catches™

Contact our Independent Insurance Agency in Cincinnati

513-662-7000 or write Jack@pathwayinsurance.net

Click here for online insurance quotes in all 50 states.

We directly offer the following insurance policies from Pathway Insurance

Auto insurance in Cincinnati, Homeowners insurance in Cincinnati, Business insurance in Cincinnati, Health insurance in Cincinnati, Commercial auto insurance in Cincinnati, Life insurance in Cincinnati.

Copyright 2010 Jack F Thomas & Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Jack F Thomas or Pathway Insurance Services, Inc. is unlawful.

When looking for quotes from an independent insurance agent in Cincinnati call 513-662-7000.

Or request a free online insurance quote by clicking here.

Why Is an Independent Insurance Agency in Cincinnati the Best Place to Shop for Insurance?

Independent insurance agents in Cincinnati have a decisive advantage over captive insurance agents.  Why? 

Independent insurance agencies represent multiple insurance companies and have the ability to find the best coverage and price for their clients. 

In contrast captive agents are only allowed to represent one insurance carrier. When clients of captive agents receive rate increases they are unable to shop around for better pricing.   

Please note a partial list of captive insurance agents in Cincinnati that typically may represent only one company:

State Farm insurance agents in Cincinnati

Allstate insurance agents in Cincinnati

GEICO Insurance agents in Cincinnati

Farmers insurance agents in Cincinnati

Nationwide insurance agents in Cincinnati

American Family insurance agents in Cincinnati

Liberty Mutual insurance agents in Cincinnati

Sentry Insurance agents in Cincinnati

Independent Insurance Agents in Cincinnati are a Better Choice for Consumers

An independent insurance agent in Cincinnati can shop the market for companies who may be willing to offer you a lower insurance rate. 

In contrast if you are a State Farm policyholder in Cincinnati and they decide to raise your home insurance rates by 20%, your agent can do nothing to help you offset that rate increase on your home insurance with State Farm, other than raising your deductible or lowering your coverage. 

State Farm insurance agents in Cincinnati are not allowed by contract to offer insurance policies from other companies. (The same is usually true of all captive insurance agents in Cincinnati)

An independent agency in Cincinnati is a better choice, because we offer choices. ™

This is how to receive new insurance quotes from our Independent Insurance Agency in Cincinnati

Office: 513-662-7000

Online insurance quotes in five minutes or less, click here.