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.

Bodily Injury Liability Insurance-What Is Covered?

Note how one insurance company in Cincinnati defines liability coverage:  

We will pay damages for bodily injury or property damage for which any insured becomes legally responsible because of an auto accident.

Damages include pre-judgment interest awarded against the insured. We will settle or defend, as we consider appropriate, any claim or suit asking for these damages.

In addition to our limit of liability, we will pay all defense costs we incur. Our duty to settle or defend ends when our limit of liability for this coverage has been exhausted by payment of judgment or settlements. We have no duty to defend any suit or settle any claim for bodily injury or property damage not covered under this policy.                                                                                                               

Car Accident Bodily Injury Example:  

You have repeatedly warned your 18-year-old son Billy that if he gets one more ticket you are going to make him pay for his own insurance. Since Billy recently turned 18 he is not required to show up for court anymore so he doesn’t tell you about the four new speeding tickets that he got, but your insurance company lets you know by canceling your car insurance policy!  Because Billy is now considered high risk he purchases a liability policy on his own.  Because he is now paying his own car insurance he buys only the state minimum liability limits because that’s the cheapest high risk insurance in Cincinnati that he can find. 

On Monday afternoon after school Billy is driving home when he receives a text message from his girlfriend Andrea.  As he is texting a reply he takes his eyes off the road for about 2 seconds and he did not notice that a Honda Accord had suddenly stopped because a cat ran across the street.   

Billy slams into the stopped car going about 35 miles an hour!  Billy and the driver of the Honda Accord were transported to the local hospital with severe injuries.

What Happens Next? 

Billy gets sued for $500,000 from the driver of the Honda Accord.  Billy’s policy only covers $12,500 of the $500,000 judgment.  Billie is on the hook to pay $488,500 out of pocket!

When You Buy Car Insurance in Cincinnati Make Sure You Get Enough! 

Even if you have to purchase high risk car insurance in Cincinnati, buy as much liability insurance as you possibly can afford.  Any amount of money not paid by your insurance company would need to be paid by the person responsible for the car accident. 

When Shopping for Car Insurance in Cincinnati Call 513-662-7000 to obtain up to 20 insurance quotes from top rated companies in your area.

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™

Has it been some time since you have taken time to shop around for cheap insurance rates in Cincinnati?  This is a BIG MISTAKE. Sticking your head in the sand is just about as crazy as trusting the same insurance company you have had for more than 3 years to give you the best rate on insurance in Cincinnati. It is not realistic. When you Compare insurance rates in Cincinnati you will often find a better price.  If you would like quick quotes on car insurance in Ohio call 513-662-7000, or click here to receive an online auto insurance quote.

Insurance companies raise and lower premium rates constantly because of competition. Insurance rates never stay the same with any company. It could be possible that your current insurance company is charging you a higher premium rate because you are a veteran client, but at the same time offering a much lower rate to “new” clients, inducing them to purchase a new car, home, life, or business insurance policy.

How do you know if you are getting the best insurance rates from your current company? If you are getting “old” rates from your current insurance company you may be overpaying by hundreds or even thousands of dollars for the exact same coverage and same company.

One additional tip can be found on our blog that teaches you how to get your current insurance company to drop your car, home, and business insurance rates by as much as thirty percent instantly. Calls us that the office and we will show you how to do it.  Office number is 513-662-7000.

Why Make Fat Cat Insurance Executives Rich Because You Have Not Shopped For Lower Insurance Rates?

Get a new insurance quote in Cincinnati even if you think you are happy with what you are paying, you may be shocked to learn that you could be overpaying hundreds, or thousands more than you should.

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you cheap car insurance rates in Cincinnati when you are a “new” customer.