Before investing in insurance for your car, it is important to gather auto insurance facts to help you make the right decision as to which insurance policy and company is best for you. Whether you are looking into the ever popular Saga Car Insurance, Travelers Auto Insurance or other companies, or car insurance for teenagers, here are some things you need to know for this process. With the rising cost of insurance today, more and more people want to find less expensive policies for their car. It certainly is very possible to find good rates for your car. Cheap car insurance can be located by a number of options. Here are some auto insurance facts that will play a vital role into the amount you pay for insurance. The kind of auto you drive will make a huge difference. Sports cars, such as Ferraris, corvettes, etc all cost more than your typical economical car because of the type of driver who buys them. Also, your vehicle driving history will play a major role. The better record you have, the less you will pay. Also, by installing safety and anti-theft devices in your auto, you will probably pay a lesser premium for your auto insurance. These cars are at less of a risk for being stolen, making them much more attractive for insurers. Also, there are some decisions you can make to lower your expenses as well. For instance, numerous firms will give a discount or more than one policy under them. In addition, you can often times find cheaper auto insurance with exclusively online companies than you could in the offline world. By doing a thorough search, you can very rapidly compare quotes from numerous different companies, and save yourself the hassles of calling each by phone. However, be absolutely sure that you compare the features included in the policy. For instance, one company may look cheaper than another, but in reality leave out some essential elements that you will need for your insurance. Cheaper is not always better, especially in car insurance. Policies greatly differ in their available options and features, and numerous firms give you incentives to jump aboard with them. It’s often at this point that you can really cash in on some big savings when finding the right insurance policy. Remember; never simply buy because a company is cheap; take a careful look at the features they offer, and most of all their reputation and overall reliability. First of all, you need to determine whether you will be needing third party or full coverage insurance. Obviously, this decision will be based on numerous factors such as your age, the type of car you are driving, the age of the car, etc. In addition, there are many other options you can include in your auto insurance that don’t come standard. Some of these options could include damage liability, breakdown cover and medical cover. Some firms will include these options standard, and some will charge you extra. Therefore, make sure you shop around before buying. Here’s the bottom line: there are many different car insurance companies out there today. While this article doesn’t recommend any one in particular, the most important thing, as always, is to do your homework and gather as many auto insurance facts as possible before deciding on the right policy for you. Only once you’ve done this should you buy an insurance policy for your car.
Today, the majority of the people in Pennsylvania complain about all the negative things hampering their auto insurance experience. But nothing is more cumbersome than the increasing costs of auto insurance in Pennsylvania. Though sounds a bit surprising, a typical auto insurance policy in PA costs several hundred bucks at least per year. Things depend a lot on your current age though, but other critical factors like your driving records can influence the level of your auto insurance premiums per year. How could Pennsylvanians slash off their annual premiums? We’re about to show a few viable avenues to you. Shop around Among the most effective and essential ways to get cheaper auto insurance is shopping around. The high time to explore your choices is when the current auto insurance policy is about to expire. So look before you renew, especially when you discover that the current insurer has raised the premiums. And you could be more surprised when you come to know that that auto insurance premiums on exactly the same coverage could vary extensively (would you believe hundreds of bucks) between diverse insurers. This is the case even in those states which regulate the rates of their auto insurance companies. Increase your deductible For a lot of people in PA, pushing up the amount of deductible on the auto insurance could be the best way to slash off the total policy cost. At times, you’ll be able to reduce the yearly premium by as much as 10% or even more by increasing your deductible. You would be stunned to see how a simple ‘$250 to $500’ increase in the deductible can lower your premiums. Doing this could help you ensure that you will manage to deduct larger chunk of money over time. Keep both eyes on credit report The credit history happens to be among the most important information sources that help the majority of the auto insurance carriers. Some studies revealed that a connection exists between the credit history and all the underlying risk to the insurance company. By paying the bills timely and carefully maintaining a solid credit history, you will be able to enjoy much lower PA auto insurance rates. Avoid using the car for any commercial purposes As work-related driving usually imposes a much higher premium compared to private or pleasure driving, avoid using the car for commercial or business purposes. Use a low-profile vehicle Whether you like it or not, cars could be (and usually are) rated on the basis of the risk scale. Generally, sports cars or other higher performance cars along with especially those flashy, luxury vehicles are ‘blacklisted’ as high risks vehicles. That’s because they’re the prime targets for robbers, thieves or vandals. Statistically, people owning those cars tend to keep driving them more recklessly. When you own this type of a vehicle, you’ll end up paying a much higher premium compared to those regular vehicles like station wagons, sedans, or similar lower risk vehicles.
If you own a car, you and your friends no doubt very often complain to each other about the astronomical cost of car insurance. Especially if you have never had an accident, you might feel that you are subsidizing bad drivers with your high premiums. Perhaps it is time that you consider the different types of insurance available out there – you might be able to reduce your premiums markedly by switching to a different type of policy. Below is a basic auto insurance comparison. Fully comprehensive car insurance This is the most expensive type of car insurance available. If you, like most of us, had to use finance to buy your car the finance company would have required you to take out this type of insurance. It basically covers every type of mishap that can hit you as a car owner. You will be covered if you drive into a brick wall, or if you collide with another car while watching a pretty girl on the sidewalk. You will also be covered if someone steals your vehicle, or if it inexplicably catches fire. Not only is your losses covered, but claims that other drivers can have against you after an accident will also be provided for. Many insurance companies refuse to insure the full value of a vehicle though. According to them it encourages people to submit fraudulent claims. You might get tired of your old car for example, and simply drive it into a concrete wall, or set it alight. They often therefore only insure 80% of the value of the vehicle, and you still have to carry the risk for the other 20%. Third party, fire and theft insurance This type of insurance falls midway between comprehensive insurance and third party insurance. A very important aspect to remember with this kind of policy is that it only covers you in case you hit another vehicle and you are responsible for the accident. If you are not responsible, the insurance company will not pay out. You will also be covered if your car is stolen, or if it should burn out. This does not include you setting it on fire though! Third party vehicle insurance This is the cheapest type of vehicle insurance. One will very often find that people owning a very old vehicle with little market value choose this option. It does not cover you in case your car is stolen, or burns out. It does not cover you if someone else drives into your car – you will then have to sue the guilty party. It only covers you if you drive into someone else’s car. You therefore have to be the guilty party, otherwise no payment will ensue. It does, however, cover you if you drive into the mayor’s Rolls Royce. Now that you know the different types of vehicle insurance policies available, and you have studied the basic auto insurance comparison above, you should be in a better position to make a decision on how to decrease your monthly insurance cost.
Insurance umbrella is the best policy when it comes to providing additional liability coverage for legal claims and other out-sized grievances against the property owners and vehicle insurance policies. When the other liability insurance policies lapse it is time for the insurance umbrella policy to kick in and adjust the difference by making up for it. The claims which are not covered by the property or vehicle insurance are also covered by this policy.
There are different values of an insurance umbrella policy which ranges anywhere between proximately one million dollars to ten million dollars. The coverage amount on these policies is high but so is the amount deducted this in turn makes the premium of this policy highly affordable.
Important Points From The Buyers Guide:
1.The most important thing that you are required to do is gather all the important pieces of information on your home or vehicle insurance policies. This includes the contact numbers and the liability coverage provided by the insurance this will help in the easy verification of facts.
2.You are required to synchronize your existing home or vehicle insurance policy with the insurance umbrella policy. This is important because an umbrella policy comes in use after your previous policies gets exhausted.
3.Dealing with a single company is an advisable thing to do because it reduces the bother of having to deal with numerous companies who will argue over the issues of liability responsibility. Thus choose the company which serves you first.
4.It best to do some research before buying this policy. Contact various different companies and take an estimate from them on the umbrella policies they provide this will give you the benefit to compare and contrast the estimated amounts and then choose the one which suits you the best.
I know, you think online marketing is only for those strange network marketers and video geeks, right? However, now more than ever, small business owners are coming online to social networking sites like Facebook and Twitter to spread the word about their brick and mortar business or LLC.
Take our friend Bob (real name hidden to protect his identity;-) for instance. He has discovered the power of Facebook for promoting his independent insurance agency. Any connections he makes on Facebook are instantly exposed to his business without costing him one red cent.
Another great way business people from all areas are promoting their businesses through internet portals is with the free blog. This is an incredible weapon when used as a hub for all internet marketing activity. Here is how they use it:
1. Get free self-branded blog
2. Add valuable content
3. Put up a lead magnet so you can keep in touch with interested prospects
4. Make connections on Facebook, build relationships, casually advertise your business, and direct them to your blog
5. Enjoy the sales!
These are only two of the many options available to any business person online. No matter if you are a carpenter and need local leads, or owner of a global shipping operation, these two free marketing methods will have you on your way to more exposure, leads, and sales.
Do you have any other marketing advice for entrepreneurs of any industry? Leave a comment!
For more great tips and advice from real people making real money online with many strategies, pop your e-mail below for our FREE 10 minute marketing consultation.
If your insurance agency has not yet started on an integrated insurance agency blog, your agency should consider these basic steps to move forward, and do so quickly. Insurance agency blogging is not an option, it is a necessity for the future marketing success of your agency. As younger buyers enter the business mainstream, they will derive much of their information from website content and blogs. At a minimum, your agency should have one comprehensive blog on your insurance agency website, but optimally, you should embrace this opportunity and have multiple blogs to ensure your agency is leveraging this competitive advantage.
1. Create an integrated website blog and add relevant content for your target market. Post at least twice each week and make the postings concise. If additional content is required for each post, link to an internal website page where the posting is continued (think of it as the front page of your electronic newspaper).
2. Add widgets to your website blog to make it easy for web visitors to share your blogs. Have your key social media icons for Facebook, LinkedIn, Twitter, YouTube, Buzz, Digg, StumbleUpon, Delicious, Etc. prominently displayed. Make sure you have an RSS feed available and a simple and easy subscribe box for your blog. Tweet, Digg and Buzz your own blog – this will help move our content into cyberspace.
3. Showcase your keywords in your blog. This doesn’t mean you should be keyword stuffing, but you should be able to create content which touches upon those keywords most important to your agency. For example, New York commercial insurance, Texas Fleet Insurance, and Midwest Group Health Insurance are all long tail keywords and can readily appear in an applicable blog article. Target 6% keyword density of your trophy keywords in your blog. For example, it your long tail keyword phrase was Professional Liability Insurance, this phrase should appear once for every one hundred words used in your blog. Though the keyword density formula is a little more complex than this, the example offers and adequate approximations.
4. Content, content, content should be your mantra. Make sure your content is relevant, educational and succinct. It’s alright to have the occasional “sales pitch” in a blog, but the essence of the blog should be educational in nature. Blog postings should be diverse but applicable to your target market. Stay away from controversial topics like politics but feel free to use topics other than insurance. For example, for a B2B oriented agency, you can write about OSHA, tax changes, healthcare regulations, CSA 2010, HOS, enrollment changes, and other topics germane to your target audience.
5. Don’t stop blogging and consider adding a vlog. A key to blogging success is consistency. Blog regularly, even if your blogs are short. Blogs can announce webinars, offer a quick review of a business book you read, mention a fund raising event you just attended, offer a link to a government website (new IRS regulation), discuss a nuance of PLI insurance, or link to a great article you just read. It can direct readers to other areas of your website or to other groups within your agency. Vlog (video blogs) add another dimension to your blogging. They are interesting, sticky, can be posted to YouTube and showcase your agency information. Once you’ve mastered your insurance agency blog, add an insurance agency vlog.
Remember that blogs should not be about selling insurance. They are to be used for education and elucidation. Offer interesting, relevant and compelling content and watch your blog views climb. Prospects who visit your site and find your content valuable, will be more likely, or at least more open, to engaging with your agents for your services. If your agents lack the resources or know how to blog, you can outsource the entire initiative to a reputable insurance marketing agency, or add it as a component to an insurance agency social media marketing program, which can also be outsourced.
Gone are the days when people were not willing to invest in insurance policies. These days’ people have come to realize the importance of insurance. You never know when you are going to fall ill suddenly. If you do not have back up on insurance resources, the medical bill can simply leave you bankrupt. So having a health insurance policy is necessary. It will at least save you from the financial crunches that people face when they suddenly fall ill.
Once you make up your mind to buy a health insurance policy there are several things to keep in mind. Considering various aspects will help you to choose the right policy. The best way to select the right policy is to compare various policies. When people tend to jump for the policy they come to know about at first. However, this is a wrong way to go. You should check the quotes offered by different companies and then select the one that best suits your need and budget.
Choosing a health insurance policy can seem to be a daunting task. You will find many people who buy a policy quickly only to discover later on that he or she could have bought a more cost effective policy. However, the person has not researched thoroughly before buying a policy and as a result, he or she has invested in the wrong policy.
When you decide to buy a health insurance plan, just go online and do a little bit of research. Other than visiting the websites of different insurance companies, you can also go through insurance blogs. This will help you to get an idea about the health insurance pros and cons.
Many insurance guides are also available in the market. You can also go through these guides. Seeking help from an independent insurance agent or adviser is also a good decision. Keeping these few things in mind will help you to buy the best policy.
Like a human life too, every business need protection from extraneous conceivable risk. You as a business owner must discuss your specific business risks and the types of insurance available with an experienced insurance agent. Since cost and amount of coverage of policies varies according to business need, you as an insurer have to take advice on the types of insurance to purchase.
Following are the insurance types you can choose from:
Business Owner’s Policy (BOP): Through an affordable premium you can bundle property and liability insurance together. The coverage is broad and applicable for small businesses with 100 or less employees.
General Liability Insurance: It would protect your business from liability exposures arising out of accidents at your business place, from the operations of the insured or contractual liability.
Product Liability: If you are the manufacturer, wholesaler, retailer or distributor your product can be liable for safety. It can save you from any financial loss resulted by injury during use of defective products. It also depends on the type of product you are selling or manufacturing.
Professional Liability (Errors & Omissions (E&O): This insurance protects your business against malpractice, error, negligence in service provision to your customer etc. Physicians and insurance agency generally purchase this type of coverage.
Directors & Officers (D&O): This is to protect directors and professors from liability claims because of alleged errors in judgment, violation of duty, and wrongful acts.
Property Insurance:Commercial property coverage includes loss and damage of company property due to fire, smoke, wind and hail storms, civil defiance, and wreckage etc. The protection options also involve lost income, business interruption, buildings, computers, company papers and money.
Workers’ Compensation: This insurance would pay you benefits and arrange medical care to injured employees on duty. Even the dependents of the employee, killed by occupational accidents also come under benefit program.
Business Automobile: Vehicles used in business like private cars; pickups, light vans, and sport utility vehicles can be insured much like your personal automobile. Hence for your business car you can avail of Car Insurance Kingston and save the losses.
Home-Based Business Insurance: If it is your home based business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. You may need to buy additional policies to protect general and professional liability.
Umbrella (Supplemental Liability): This is a separate policy over other basic liability policies. As additional liability coverage of primary policies it would help you to attain high limit coverage.
Business Interruption: If your business is facing temporary shut down resulting from fire or other insured threat this insurance will provide reimbursement for loss of profits and other ongoing expenses.
When you do motor cycle insurance make sure to get well informed from insurance resources about it, the key deciding factors are your age and your driving record. If you are younger in age the chances are you have higher insurance rate. If you take DMV training then you will get a certificate for completing your motor cycle training class successfully. This certificate will help you to lower the high insurance rate.
The place of your residence is another deciding factor. If you are living in a place of high crime or accident-prone zone chances are you will have higher insurance rate. The way you are keeping your motorbike adds value to your insurance policy, like storing the vehicle in a garage having a burglar alarm on it or the garage important deciding factors. It is natural that any insurance company will add high interest rate if your vehicle remains parked in open and unprotected place.
If you are doing a motorcycle policy online then make sure to mention to the agent who is dealing with you online, how frequently you ride your motorbike. In certain regions, there are specific riding season and non-riding season; if your agent is aware of it then he will also know you have driven it less during off-season so the rate of the insurance also goes low.
Also, remember not to over insurance your motorbike because you will get the price within the market value of your motorbike and not above it if you meet with an accident. Your motor cycle insurance will be different from other four wheelers just because the risk involved in riding a motorbike is higher. Look up the insurance guides to get various quotes from different companies because they will view you differently as a rider each time. Make sure that the quotes you get are of reasonable rates and cover you to the maximum extent if accident occurs.
Share Your Knowledge and Professional Advice
One of the newest ways to network for qualified prospects is by publishing your own insurance blog on your Facebook and LinkedIn pages. It’s not only fast and easy, but it’s also free – and it’s been proven to work.
Because people really do read the posts you put up on your Facebook and LinkedIn sites.
What’s more, they pass them along to all the people in their own network for you.
How to Write Your Own Insurance Blog
Most agents think that writing a blog takes a lot of time and requires good writing skills – but it really doesn’t… IF you simply write about what you know in an honest conversational manner. To begin with, your weekly blog needs to be no more than 200 or 300 words. And it can take as little as ten to twenty minutes to write and publish – just once a week.
When writing a blog, write just as you speak. Let if flow on paper as if you were talking with someone in person – face to face. Don’t worry about grammar – just write.
Once you do it, you’ll be surprised at how easy that really is.
And don’t explain various types of coverage in your insurance blog, or use insurance jargon. Don’t even use insurance terms or technical references. Write as if you are talking to a friend on the phone, or sitting across a table over a cup of coffee.
Think of your insurance blog as “sharing a thought” with your clients and prospects. And always conclude your blog with some sort of “call to action”.
Examples of Insurance Blog Topics:
Biggest Mistake People Make With Their Homeowner’s Insurance
How Health Care Reform Will Affect You
What Alternative Do You Have to Low Interest Rates on Bank CD’s
Why You Need to Insure Your Monthly Income
When it Makes Sense to Compare Rates on Term Life Insurance
Examples of Opening Line Ideas to Get You Started
I was talking with a new client yesterday… (and discovered that she was paying more for her _____ than she should be)
I recently helped one of my clients process a claim… (and here’s what happened)
I read an article last week on how the average person is investing for their retirement… (and was surprised to learn _________ )
Got a call from an old client of mine a few days ago, asking for a quote on his __________ coverage… (and was able to save him $xxx)
One of my business clients recently referred me to another small business owner who wasn’t happy with her company’s employee benefits package… (and wasn’t getting much attention from her current agent/broker/advisor)
Examples of Insurance Blog “Calls to Action”:
Call Me for a Quote on Term Life Insurance
Click Here for a report titled “Protecting Your Retirement Income – Guaranteed”
Find Out if You Qualify for a Good Driver Discount
Get an Assessment of the Gaps in Your Health Coverage
Click Here to Watch a Short Five Minute Video
Email Me with any Questions You Have Regarding Your Insurance (or Retirement)
Set Up Your Insurance Blog
You have many choices (most free) of blogging platforms to choose from. The top 5 I recommend are:
Blogger – a Google owned blog platform that is very quick and easy to setup
Tumblr – more of a “micro-blog”, which is a cross between a blog and Twitter
WordPress – most popular and well established blog platform. Has tons of features and plugins…
SquareSpace – commercial blogging platform starting at $8/month
Posterous – easy to use “email-to-blog” system. Create new posts by sending emails…
Most, if not all of these options, allows you to easily post your blogs to your Facebook and LinkedIn pages.
Dan Viñal invites you to learn how WebPrez videos can be included in your blog posts – to help you develop more of your insurance leads into long term profitable client relationships. Visit http://www.webprez.com to preview our 30+ videos on different insurance concepts to show your clients and prospects.