Archive for the ‘Ask the Experts’ Category

Cincinnati Online Insurance Quotes

Friday, November 16th, 2012

online insurance quote cincinnatiCincinnati Online Insurance Quotes

If you’d like to acquire car or home insurance proposals from the comfort of your home, choose Pathway Insurance and simply follow this link and we will shop the market for you. Dependent on which state you reside, we may have proposals prepared for you inside four to five minutes.

Or if you prefer to contact the Pathway Insurance office direct, call 513-662-7000 or call toll free at 800-998-0662.

Cincinnati Online Insurance Quotes Available from Local Agency.

Searching for insurance is usually a real pain. Some insurance firms have created on-line rating systems that will offer you the selling price for a single specific insurer. You are under no circumstances able to uncover the very best price on insurance coverage when you only get automobile insurance price quotes from only a single insurance provider.

Our hosted car and home quoting system is appealing considering the fact that we have the ability to deliver many different insurance rates from the very best insurance companies doing business in all 50 states. If you’d like to obtain a policy from my independent insurance agency, our company is near your community and you’re welcome to stop by, or you can simply choose: Online Insurance Quotes.

Several of the biggest carriers sell car insurance directly to consumers and they do not have, in most cases, local agents to help you if there is an issue. Deciding to buy automobile insurance from a local broker in our opinion is much better for customers, however you will discover one particular issue that you will have to deal with when looking for car insurance in your community.

Looking for the least expensive premiums will be annoying. Why?? Simply because it is often rather time-consuming.

The key reason why it is time-consuming is because you will discover many hundreds of companies that supply insurance! If you’re interested in low-cost renters insurance Cincinnati, or any other type of home, condo, or landlord insurance just how long would it take for you to receive hundreds of insurance quotes?

As an independent insurance agency we at were the very first agency offering Cincinnati Online Insurance Quotes. Nonetheless that’s certainly not the most important service we provide new customers.

A large number of agents and insurance underwriters advertise home insurance entirely according to the price you pay for that protection.

We think that’s a mistake that may cost you financially down the road.

A cheap price with no advice™ could potentially cause exceptional economic harm to your self. Why?

Insurance coverage is a whole lot more complicated than the price you pay for it. ™

The coverage applicants choose include quite a few restrictions, exclusions, and conditions and terms that you as the covered person need to abide by. If you should break a term or condition in your auto insurance policy, your claim could be denied!

We Extend Highly Valued Professional Services to Clients!

Our company supplies a variety of original services that might benefit you if you would like to make it possible for our insurance agency to care for your main insurance needs. Our company offers the Pathway Protection Letter™, the Pathway Coverage Checklist™, together with the Pathway Claims Advocacy Program.™

We are certain that you’d recognize that the above professional services are truly invaluable. The question that you’ll really have to ask yourself is: Will my current agent or carrier provide anything at all such as this?

If not you ought to choose Pathway Insurance Agency to help you with your insurance needs?

You’ll be able to reach us by dialing 1-800-998-0662, or click here to get a quote on homeowners insurance Cincinnati or for more information and details.


Techniques Guaranteed to Save You Money On Auto Insurance Quotes Cincinnati.

Tuesday, November 6th, 2012

Auto Insurance Quotes Cincinnati-Call 513-662-7000.

Auto Insurance Quotes CincinnatiThe first step is to speak with one of our knowledgeable agents here at Pathway Insurance Agency. Call us at 513-662-7000 for the top Auto Insurance Quotes Cincinnati or click here for an online quote.

An independent insurance agency in Cincinnati offers choices!   While it is true that Independent agents represent many different companies there is smething you need to exercise caution about.

It’s important that you do not make your insurance comparison strictly by the company offering the cheapest insurance price.

What’s interesting and confusing all at the same time is that not every insurance policy provides identical coverage, even if the deductibles and limits of liability are exactly the same!

So when you are shopping for insurance and you find a company that has a great price, it would be an excellent idea to review the insuring agreement because you could be inadvertently giving up important coverage by switching to that new company.

We need to remember that the reason why we purchase insurance is to protect us financially, so taking time to review the types of coverage will place you in a much better position to make the best decision for your situation.

Let’s Discuss the First Way to Save Money on Auto Insurance Quotes Cincinnati.

Do I really need full coverage on my car?

When you buy full coverage on you car you need to keep in mind that claims that are paid by your insurance company will be depreciated.

So you might be wasting your money by paying for full coverage because the financial benefit you receive might be diminished because the car has lost its value due to depreciation.

What’s the Second Way to Save Money on Auto Insurance Quotes Cincinnati?

Are you aware that bundling your car and home insurance with the same company can save you quite a bit of money because of a certain discount?

This discount is called the multi-policy discount. Companies that provide both car and home insurance will offer a multi-policy discount.

What do you save with the combination package discount?

Some insurance companies provide up to a 40% discount!

Taking the simple step of combining both your car and home insurance with the same company can save you a significant amount of money, have you taken this step yet?

If not we can help you to find the lowest car insurance quotes Cincinnati has to offer. Call 513-662-7000, or for online quotes click here

The Third Way to Save Money on Auto Insurance Quotes Cincinnati?

One overlooked way to save money on your car insurance is to stick with the same company for an extended period of time. Most insurance companies offer reduced rates to long-term customers which can add up to big savings over time.

Instead of hopping from company to company always chasing down cheap insurance rates, stick with the same company and over the long run you save because of the longevity discounts if your company offers such a discount.

Fourth Method to Save Money.

Consider carpooling or taking the bus to get to work. If you do this on a regular basis you can ask your insurance agent to provide the pleasure usage discount, that discount may be as much as 6 % with some companies.

The pleasure usage discount can also be applied if you telecommute, retire, or even lose your job because of corporate downsizing. If that happens every penny counts call to make sure this discount is applied to your policy.

Fifth Method to Use.

If you are a young driver looking to purchase an auto insurance policy on your own you probably realize the insurance is going to cost an arm and a leg. One way to achieve better auto insurance quotes cincinnati is to get an older driver to share the insurance with you. Much like having someone with good credit co-sign a loan with you. Having an older, experienced driver on your insurance will bring your payments down, but there is one important condition you need to consider before taking this approach. Is this technique allowed by your insurance company, or by the insurance laws in your state?

If you do not live in the same household as the older person, no matter if it is a relative or not and you cause a claim. The insurance company could refuse to pay because you are not a resident of that person’s household!

The Most Important Step to Take When Looking for Quotes?

Choose a professional insurance agent to help you with your insurance needs. While it’s true that many insurance companies can sell insurance directly to you, you may be giving up valuable coverage advice when you buy insurance directly through the company or online.

Contact the Pathway Insurance, the best independent insurance agency for auto insurance quotes cincinnati. Our office number is 513-662-7000 or toll-free 800-998-0662. Online quotes are available through most of the companies we represent, please click on and in 5 minutes or less up to 10 insurance quotes will be developed for you.

Buying Insurance Direct May Not Be Your Best Option

Friday, June 5th, 2009

Local insurance agents offer better prices than GEICO, Progressive Direct, and Esurance. Don’t be fooled by slick TV advertising!

Convenience does not guarantee best price.

We most certainly live in a very fast-paced society. Although the economy is facing one of the worst recessions in recent history, convenience is still something that we all desire. When we shop for groceries we often use a local grocery store to do so, when we fill up our gas tank we likely use the service station close to our home or place of business.

In years past when you looked to purchase car or home insurance, you likely would go to your local insurance agent to do so. Companies like GEICO, Progressive Direct, Esurance have made purchasing insurance seem both easy and convenient. With their witty and comical commercials you seem to get the impression that you are assured to save money on something that we don’t necessarily want to spend a lot of time thinking about.

However what’s interesting about these companies is that they don’t necessarily offer the best savings opportunities for your insurance. Sure, you can get a quote, and buy your policy with a few clicks of the mouse, but do these companies really offer the best price?

You might be surprised to learn that you can receive a much better price from a local agent who lives right in your community.

GEICO, Progressive Direct, and Esurance plus the growing number of companies that sell their policies directly to the public spend billions of dollars to get their message out to the public. Those billions of dollars invested in advertising goes right into the price you pay for your insurance.

So before you are tempted to purchase a policy from GEICO, Progressive Direct, Esurance, or any company that does not use local insurance agents, take the time to get a quote from a local agent, click on car insurance quotes Cincinnati.

By doing so you will likely save more money compared to what one of these companies can offer you, plus you are purchasing insurance from a local agent, often a small business owner living in your community, not to mention someone you can meet with in person.

For a free insurance quote from a local agent in your community click here.

Who Offers the Best Price on Car Insurance?

Sunday, May 31st, 2009

With an abundance of television advertisements nonstop from some of the top players in the insurance industry one could conclude that he who advertises the most has the best rates on car insurance. Evidently many consumers agree with that notion as well. In 2008 GEICO not only grew policies in force by 8.2% but at the same time dethroned Progressive Insurance as the number three writer of private passenger automobile insurance in the United States.

What drives these impressive sales numbers? Advertising, advertising, and more advertising.

In the year 2007 GEICO spent $751 million in advertising. Exact figures are not available for 2008 but a record $1 billion or more was estimated to have been spent to encourage insurance buyers to pick up the phone and call for a car insurance quote.

But here is the Billon-dollar question: Does GEICO have the best car insurance rates? If you buy an insurance policy direct with GEICO thereby cutting out the so-called middleman (the insurance agent) does that guarantee a better price?

In a word no, GEICO sets their insurance rates in the exact same way that other insurance companies set rates. GEICO spends a considerably larger amount of money on advertising than any of its competitors and a interesting fact insurance buyers may not realize is the money invested by GEICO in advertising for new customers, is reflected in the true cost of the car insurance policy you own with GEICO.

In other words if GEICO decided to spend no money next year on advertising in theory they could lower the rates for their customers by $1 billion!

That might save GEICO customers 15% or more on their GEICO car insurance policy!

The Agent Gurus Network recommends local insurance agents as a better option for consumers when they purchase insurance. Click here to receive your free quote and find out why professional advice and not just a price™ is a better option for consumers.

Rate Shopping Comparison

Thursday, January 8th, 2009

We are bombarded with television advertisements from insurance companies who sell car insurance directly to the public. Do such companies offer a better value compared to insurance companies who use agents exclusively to sell policies locally in your community?

Some car insurance shoppers may assume this is true, so we decided to put these companies to the test. We evaluated insurance rates from GEICO, Esurance, and Progressive Direct, companies that sell mainly to the public directly, (although all 3 companies mentioned here also sell through agents) with companies who exclusively use agents to sell insurance policies namely State Farm, Nationwide, Farmers Insurance, Grange Mutual, Encompass, and American Commerce Insurance Company.

This actual car insurance comparison is based on a married couple living in the suburbs of Cincinnati Ohio, with no tickets or accidents in a 5 year period. Vehicles quoted are a 2008 Acura TL, and a 2004 Honda Pilot EXL. Coverage limits are 250/500/100 with matching uninsured and underinsured limits. $100 comprehensive and $500 collision deductible. Loan/Lease gap coverage and finally road side assistance plus car rental is included. (Neither State Farm or Nationwide offers lease/ loan gap coverage)

Name of Company and Monthly Price

Esurance – $114.37
GEICO – $113.75
Progressive Direct – $109.19

Nationwide – $127.45
Farmers – $117.84
State Farm – $107.22

Grange Mutual – $99.80
Encompass – $81.83
American Commerce – $73.00

In this case study, the assumed price advantage is not evident with companies such as GEICO, Esurance, and Progressive Direct when rates are compared with other companies who exclusively use agents to sell coverage.

In all fairness, a similar comparison in other parts of the country, or with different coverage circumstances may not yield comparable results as insurance companies use so many variable factors to set rates. So you should not rely exclusively on this simple case study as an indication of the competitiveness of the companies indicated. Rates vary by type of cars owned, specific rating territory, credit levels, coverage limits, and frankly too many other factors to mention.

However in this specific example a better rate can be obtained by companies using agents compared to buying directly from the insurance company.

The Agent Gurus Network recommends that you care for your insurance needs by using a local insurance professional versus a company that sells policies exclusively online or by the telephone.

It is our opinion that reviewing your coverage needs with a local professional insurance agent is a better option even if you need to spend a few extra dollars. Click Here to receive an insurance comparison from a local agent in your area.