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.

Damage to Your Auto Coverage (“Full coverage”)

Insurance companies do not use the term “full coverage” in the Cincinnati automobile insurance contract. The likely reason for this is because a misunderstanding could develop on what “full coverage” provides.

Please note the definition for damage to your auto coverage with one insurance carrier:

We will pay for direct and accidental loss to your covered auto or any non-owned auto, including its equipment, minus any applicable deductible shown in the Declarations. We will pay for loss to your covered auto caused by:

1. Other than collision only if the Declarations indicate that Other Than Collision Coverage is provided for that auto.

2. Collision only if the Declarations indicate that Collision Coverage is provided for that auto.

How Does Full Coverage Insurance Benefit You?

Simply put full coverage insurance will help you to repair the damage to your vehicle, or provide a loss settlement to you in the event the vehicle is totaled. Here’s the bad news on loss settlements.

Insurance companies only settle losses based on the actual cash value of the vehicle. In other words what is the vehicle worth? Everyone is aware that depreciation greatly affects the value of your vehicles. When the vehicle is damaged or destroyed your insurance company is only obligated to pay what it is worth, the actual cash value of the vehicle.

There Are Two Separate Coverage Parts on Full Coverage

Comprehensive– (sometimes referred to as Other Than Collision Coverage) Provides protection to that individually listed vehicle for vandalism, theft of the vehicle, glass damage, collision with an animal, (like you running into a deer or some other animal including birds) hail, water, or flood damage, fire, explosions, earthquake, or falling objects.

Collision-Provides protection for the individually listed vehicle for anything that you “collide” with, such as another vehicle, telephone pole, wall, or even debris in the road.

Here’s a Common Misunderstanding about Automobile Insurance in Cincinnati When You Have “Full Coverage.”

• Full coverage does not provide car rental, towing and labor, loan or lease gap coverage, or coverage for personal effects in your automobile if they are damaged.

Car rental, towing and labor, loan or lease gap coverage are optional coverage that you must add by endorsement to the policy.

Looking for the Better Rates on Insurance in Cincinnati? Call 513-662-7000

Call 513-662-7000 we offer a very powerful service called the Claims Advocacy Program. ™

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.

In the state of Ohio a total of 1304 complaints were filed against insurance companies on automobile insurance claims in Ohio. 874 complaints were filed against homeowners insurance companies in Ohio.  The top three reasons why someone would file an insurance complaint in Ohio:

• #1 Claim Settlement Delays (#3 for Homeowners Insurance Complaints in Ohio)
• #2 Claim Denials (#1 for Homeowners Insurance Complaints in Ohio)
• #3 Unsatisfactory Settlement Offer (#2 for Homeowners Insurance Complaints in Ohio)

What Is the Pathway Claims Advocacy Program™ And How Does It Benefit You As a Policyholder of Pathway Insurance?

First of all what is a claim advocate? It’s simply someone that stands up for your rights as a policyholder.  We might think that our individual insurance agent would stand up for our rights as a policyholder; it would seem that this would be part of their job description, is this truth or fiction? 

The real truth is that many insurance agents will not lift a finger to help their clients with insurance claims in Ohio if there were a dispute.  Some may not be permitted by their insurance company that they sell policies for, some have no clue how to help their policyholders if there’s a dispute, and others simply have no desire to help their customers resolve claims disputes.  If your insurance agent in Ohio will involve themselves in claims resolution for their clients, you have an insurance agent that is worth their weight in gold!

In our next issue we will show you how the Pathway Claims Advocacy Program™ works in real life.

Do You Want an Insurance Agent in Cincinnati That Stands up for Your Rights as a Policyholder?

Call 513-662-7000, or begin an online insurance quotes in Cincinnati by clicking here.

*There are some limitations to what we can offer with thePathwayClaims Advocacy Program. ™ For instance, we cannot provide legal advice as we are not licensed attorneys. We cannot overrule or overturn insurance company final claims decisions, especially on claim denials whereas the policyholder has engaged in some type of prohibited activity, or they did not purchase the appropriate coverage, or failed to add endorsements necessary to cover an incident that would normally be excluded from coverage. Please call 513-662-7000 for more details or questions about this service.  Additionally if you have already secured the services of an attorney we cannot provide any assistance to you.

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

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™

Be Careful You Might Get Scammed When Shopping for Insurance in Cincinnati!

A few days ago I caught television news interview on Channel 12 discussing the benefits of shopping for discounts on the Internet.  There’s no question that the Internet has changed how consumers buy products and services.  The Internet has also changed how consumers shop for insurance.  However there are a few things that you should be cautious about if you’re shopping for car insurance in Cincinnati using the Internet.

Scam artists use phishing scams to acquire information that they can use to steal your passwords, banking information, your identity, and ultimately your money.

Could the growing trend that consumers have to request auto insurance quotes through the Internet play right into their hands?

Thousands of consumers request car insurance quotes in Cincinnati by the Internet each month.  Will these scam artists catch a few unsuspecting consumers looking for the best car insurance rates in Cincinnati?  No doubt.

This Is How You Could Get Scammed Looking For Cheap Insurance Rates On The Internet:

Many insurance companies will require you to provide very sensitive information to issue an insurance policy such as your complete address, driver’s license numbers, plus the granddaddy of them all:  Your personal social security number.   Your Social Security number is the key to this scam artist’s ability to steal your identity and your credit!

So in a sense you could inadvertently get ripped off when you hand over your personal data to a scammer we are trying to save money on your insurance!

If You Are Looking for Cheap Insurance in Cincinnati Let the Buyer Beware of the Scam Artists!

As one suggestion, do not request online insurance quotes from websites where you cannot call and talk to a live person.

Pathway Insurance Services Inc. has developed a secured online rate shopping service for individuals and families looking for comparison quotes, or why not give us a call? Our number is 513-662-7000. You can use our online system by clicking here: Cincinnati Online Auto Quotes.

Remember, never share your personal information such as your Social Security number, or banking account information with an online website offering to save you money on car insurance in Cincinnati, otherwise you may fall victim to the Internet scam artist.

Did you know that your insurance policy doesn’t cover everything?

Many mistakenly believe that it does, and some receive a rude awakening after a claim occurs and the insurance company issues a denial of coverage.

The absolute worst possible time to find out something isn’t covered is after the claim happens.  Yet this happens on a regular basis to those who do not take time to investigate what is covered and what isn’t.

A survey was completed by the National Association of Insurance Commissioners and they found:

33 percent of U.S. heads of household, who own a home and have homeowners insurance, incorrectly believe flood damages would be covered by a standard homeowners or property and liability policy.

68 percent think vehicles such as cars, boats and motorcycles stolen from or damaged on their property are covered.

51 percent think damages from a break in the water line on their property supplying water to their home are covered.

35 percent think damages from earthquakes are covered.

Such misconceptions about insurance coverage often lead to anger on the part of the policyholder after experiencing a loss they thought was covered only to later have their claim rejected by the insurance company.

 Whose fault is that?  It’s my opinion there are two chief culprits.

It’s the insurance industry itself for not taking more time to educated their clients in easy to understand language.  But it’s also consumers who buy insurance policies throw them in the drawer and dust them off only when a claim happens without bothering to read beforehand what’s covered and what’s not .

Will you be in the market to buy Insurance in the near future?  Call the experts at 513-662-7000.

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.