Independent insurance agents in Cincinnati | Pathway Insurance

What is the Insurance Merry-Go-Round? ™

WIN Admin — Fri, 11 Nov 2011 11:31:52 +0000

Are you looking for automobile 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.

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!

The post What is the Insurance Merry-Go-Round? ™ first appeared on Pathway Insurance.

Boat Insurance in Cincinnati

WIN Admin — Sat, 24 Sep 2011 11:07:46 +0000

Are You Looking for Boat Insurance in Ohio?

Boat owners insurance in Cincinnati can be purchased as a separate insurance policy.

Call 513-662-7000 to receive the best prices on Boat insurance in Ohio, Kentucky, or Indiana. We represent many top rated insurance companies for watercraft insurance in Ohio.

Is Boat Insurance Required in Ohio?

It is not required by Ohio state law but it may be required if you obtain financing for your watercraft from your bank or finance company. It is an excellent idea to purchase Boat Insurance in Ohio due to the fact that you may be found legally responsible for injuries or property damage occurring due to boating accidents in Ohio.

What Is Covered on Boat Insurance Policies in Ohio?

Personal watercraft policies in Ohio might include liability, uninsured boater’s coverage medical payments, physical damage coverage to the boat, motors, and trailer.

Will My Ohio Homeowners Insurance Cover My Boat?

Great question, it really depends on the horsepower and length of your boat. In some cases a home insurance policy in Ohio will provide no more than $1,000 -$1,500 for physical damage coverage to the boat and liability coverage is restricted to boats that are 25 horse power or less and sailing vessels with or without auxiliary power less than 26 feet.

You need to check your homeowner’s insurance policy to determine if boats are covered for exact detail.

Lowest Price on Boat Insurance in Ohio Is Available Now.

The best place to purchase boat insurance in Ohio is from an independent insurance agency. The reason why is because independent insurance agents in Cincinnati are not restricted to one insurance company, they can shop for the best rates on watercraft insurance from a number of insurance companies.

Call Pathway Insurance at 513-662-7000 for the Best Boat Insurance Coverage in Ohio.

The post Boat Insurance in Cincinnati first appeared on Pathway Insurance.

Hartford Insurance Cincinnati

WIN Admin — Wed, 14 Sep 2011 11:00:16 +0000

New Quotes are available for Hartford Insurance Cincinnati.

Are you looking for Hartford Insurance in Cincinnati?

Hartford offers a variety of different insurance products including commercial lines insurance in Cincinnati. Contact our independent Insurance agency at 513-662-7000, or receive an online Hartford Insurance quote by clicking on Hartford Insurance.

History of Hartford Insurance:

Hartford Insurance is a Fortune 100 company offering a variety of insurance and investment products including automobile, homeowners, and umbrella insurance in Cincinnati in addition to life and disability insurance.

Hartford Insurance was initially founded in 1810 in Hartford Connecticut and is one of the oldest insurance companies in the United States.

How Can You Buy A Hartford Insurance Policy?

Hartford Insurance distributes its insurance products by means of independent insurance agents and by means of the AARP program. Our agency can provide discounts and AARP insurance discounts. The best way to purchase a policy through Hartford Insurance is by means of a local independent insurance agent.

Lose touch with your Hartford Agent?

If you’re not sure who to contact about your Hartford insurance policy contact us at 513-662-7000. Ttaking the step of assigning your insurance account to our agency will allow a local agency to service insurance policies.

We are available Monday through Friday from 9 AM to 5 PM in person and by telephone to answer your questions about your insurance policies with Hartford. It’s best to have a local insurance agent servicing your needs. Please call today to discuss assigning your Hartford insurance policy to our agency.

Need a new Quote from Hartford Insurance Cincinnati?

Insurance policies available from Hartford:

Hartford Auto Insurance Cincinnati
Hartford Homeowners Insurance Cincinnati
Hartford Umbrella Insurance Cincinnati
Hartford Commercial Insurance Cincinnati
Hartford Life Insurance Cincinnati

Hartford offers insurance through independent insurance agents in Cincinnati and we can help you find the best prices on Hartford Insurance in Ohio, Kentucky, and Indiana.

Hartford specializes in commercial insurance in Ohio and they are extremely competitive in commercial insurance in Cincinnati.

Call 513-662-7000 for Commercial Insurance Quotes in Cincinnati

The post Hartford Insurance Cincinnati first appeared on Pathway Insurance.

Captive Insurance Agents of Cincinnati Can Only Sell Policies through One Company – Part One

WIN Admin — Wed, 18 May 2011 10:42:56 +0000

If you purchase your insurance in Cincinnati through a captive agent, you might be overpaying by hundreds of dollars per year! Call 513-662-7000 to speak with an independent insurance agency that can shop the market with 20+ insurance carriers. Or start an online insurance quote by clicking here.

What Is a Captive Insurance Agent in Cincinnati?

Captive Insurance agents in Cincinnati can only sell insurance policies through one company. Some of the largest insurance companies in Cincinnati advertising locally on television sell insurance exclusively by means of captive insurance agents. (Partial list of captive insurance agents in Cincinnati available here, click to review.)

It is a disadvantage to you in many ways to have your insurance with a captive agent, why???

Because there isn’t a single insurance company, no matter what they attempt to convey by their catchy television advertisements that can guarantee the absolute lowest price on every insurance policy they sell on a permanent basis. In other words there will always be another insurance company who can offer you a lower insurance rate in Cincinnati if you look hard enough!

Insurance Prices in Cincinnati Never Remain the Same With Any Company.

Unless you have been with the same insurance company for your entire life you probably noticed that when you first started a new insurance policy with your current insurance company, your insurance rates started off low… but eventually over time your insurance company begins to raise your rates.

We refer to this insurance pricing phenomenon as: Insurance Rate Creep.™ Here’s the bad news for consumers, every insurance company follows the same pattern of lowering rates, then raising rates later. (They all do it without any exception.)

Why Do All Insurance Companies Engage in Insurance Rate Creep? ™

In a new book that will be published later this year Jack Thomas, owner of Pathway Insurance, reveals the secret reason why all insurance companies engage in Insurance Rate Creep.™ Additionally Jack reveals the exact steps you can take to keep your premiums low for the long term.

HINT: Independent Insurance Agents in Cincinnati Are Your Secret Weapon to Combat Insurance Rate Creep.™ (Step One)

Call 513-662-7000 to speak with our independent insurance agents of Cincinnati. Or e-mail: Jack@pathwayinsurance.net to receive new insurance quotes on your insurance.

The post Captive Insurance Agents of Cincinnati Can Only Sell Policies through One Company – Part One first appeared on Pathway Insurance.

Independent Insurance Agents in Cincinnati

WIN Admin — Sun, 21 Nov 2010 13:12:41 +0000

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.

The post Independent Insurance Agents in Cincinnati first appeared on Pathway Insurance.