By: Jason Mark
For the large contingent of motorcycle riders in the UK, bike insurance offers crucial cost protection for both the equipment and the rider. Riders who race motorbikes, or who ride a bike for transportation, need to protect the investment in their bike, while also having access to affordable health costs if injury occurs from an accident.
While there are many customized coverage options available to bike riders, three particular covers are important to riders. Riders who buy expensive bikes, and want to protect their investments, are concerned with insurance for their equipment. Bike protection offers similar benefits to other auto protection. Coverage includes collision protection and payment for damage or repairs covered by the plan. Some plans also include breakdown recovery service in the event the bike breakdown in a remote location.
Other bike insurance seekers are more concerned with rider protection. Some bikers need coverage for both themselves and their bikes. However, some bikers that do not necessarily have as much invested in their bikes, are more concerned with having adequate coverage for personal injury. Additionally, bikers who race or ride bikes as a profession might need protection against loss of earnings or income, if they rely on their bikes to make money.
Thirdly, bikers need legal or liability protection. Some insurers include a certain amount of motor legal protection with all plans. Legal motor protection helps protect the rider from liability or legal issues that arise from accidents or other situations where the rider is at fault.
Finding a service provider that offers the need protection benefits, with great service and claims response, at a reasonable cost, are all important to bike insurance customers. Insurers that respond quickly to claims, with little to no hassle, who also provide great customer support, are often more beneficial than the cheapest insurers. Riders can still find great service at reasonable rates from insurers that specialize in bike insurance.
Many factors can affect the cost of bike insurance. The value of the bike and the riding history of the rider, are important factors. The more risk of payout to the insurer, the more expensive the premiums. Thus, riders with a spotty record and a history of lots of claims can expect to pay more.
The age of a bike is also relevant. Some companies offer certain promotions or varying rates and coverage that are affected by the bike’s age. One great option for some riders is the ability to combine bike insurance with motor insurance, or other insurance products. Some insurance specialists offer discounts on combined products in order to attract more business from existing customers and spread the risk. Joint coverage is also available.
A bike insurance customer needs to consider his or her needs based on activities the bike is used for. A casual weekend rider has different protection requirements than a sport rider or every day rider. A specialist bike insurance company has products and benefits available to protect for a variety of customers and needs. Service and support are keys to long-term satisfaction from coverage.
Jason Hulott is Business Development Director of Protection Insurance (http://www.protection-insurance.com), an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit us for Low Cost Insurance.
Read More......
Top 5 ways to save on car insurance
By: David Lynes - Loans4
Car insurance is a type of cover that can be quite costly depending on your needs and circumstances, but this is a type of cover that is a legal requirement for drivers in the UK so no matter what the expense you have to get this cover if you wish to take your vehicle on the road. It is important to remember that there are ways and means of lowering your insurance premiums on car cover, however, so with a little thought and research you could save yourself a small fortune.
Below are some of the top ways in which you can save money on the cost of insurance cover:
1. Don't go for the first quote. Never assume that the first quote you get is going to be representative of all other quotes, as the cost of cover can vary widely from one provider to another. Make sure that you get at least three quotes from different providers before you make any decision – don’t feel tempted to rush into taking cover with the first insurance company that sends you details.
2. Remember that price comparison sites may not cover all providers. Many people have started to use price comparison sites to find their insurance cover, but you should bear in mind that these sites only cover a portion of the market and not all providers are on their databases. You should therefore be mindful that there may be a cheaper and more suitable policy available that is not on the price comparison site, so it may be worth checking individual providers to get your price down further.
3. Go for the most appropriate level of cover. If you have a new or expensive vehicle then you should opt for the top level of cover, which is fully comp. However, if you have an old car that has a low value then you can get away with taking out a lower level of cover, which will enable you to keep the cost of cover down whilst still fulfilling the legal requirement of having insurance.
4. Increase your excess. The amount of excess that you choose on your policy will make a difference to your premiums. If you choose to have a higher level of excess on your policy you can knock down your premiums significantly in some cases – just make sure that you do have enough money put aside to cover the excess in case you do need to make a claim.
5. Take the pass plus test if you have recently passed. New and younger drivers often find the cost of cover crippling. However, you can save a considerable amount on the cost of cover if you take the advances pass plus test after passing your standard test, with some insurers offering up to 35% off if you have passed this advanced course.
David Lynes
Loans4 provide homeowner loan solutions for homeowners. Please visit http://www.loans4.co.uk for the latest finance related news.
Read More......
Car insurance is a type of cover that can be quite costly depending on your needs and circumstances, but this is a type of cover that is a legal requirement for drivers in the UK so no matter what the expense you have to get this cover if you wish to take your vehicle on the road. It is important to remember that there are ways and means of lowering your insurance premiums on car cover, however, so with a little thought and research you could save yourself a small fortune.
Below are some of the top ways in which you can save money on the cost of insurance cover:
1. Don't go for the first quote. Never assume that the first quote you get is going to be representative of all other quotes, as the cost of cover can vary widely from one provider to another. Make sure that you get at least three quotes from different providers before you make any decision – don’t feel tempted to rush into taking cover with the first insurance company that sends you details.
2. Remember that price comparison sites may not cover all providers. Many people have started to use price comparison sites to find their insurance cover, but you should bear in mind that these sites only cover a portion of the market and not all providers are on their databases. You should therefore be mindful that there may be a cheaper and more suitable policy available that is not on the price comparison site, so it may be worth checking individual providers to get your price down further.
3. Go for the most appropriate level of cover. If you have a new or expensive vehicle then you should opt for the top level of cover, which is fully comp. However, if you have an old car that has a low value then you can get away with taking out a lower level of cover, which will enable you to keep the cost of cover down whilst still fulfilling the legal requirement of having insurance.
4. Increase your excess. The amount of excess that you choose on your policy will make a difference to your premiums. If you choose to have a higher level of excess on your policy you can knock down your premiums significantly in some cases – just make sure that you do have enough money put aside to cover the excess in case you do need to make a claim.
5. Take the pass plus test if you have recently passed. New and younger drivers often find the cost of cover crippling. However, you can save a considerable amount on the cost of cover if you take the advances pass plus test after passing your standard test, with some insurers offering up to 35% off if you have passed this advanced course.
David Lynes
Loans4 provide homeowner loan solutions for homeowners. Please visit http://www.loans4.co.uk for the latest finance related news.
Read More......
How To Protect Your Business And Reduce Insurance Costs
By: Steve Strong
No matter how large your organization security needs to be taken very seriously, a good quality security system can not only prevent an unauthorized act but can also help to reduce insurance payments and protect the workforce. Even if you run a small business it is possible to install and monitor security cameras at a very reasonable price. Many small businesses are now turning to the wireless camera networks for monitoring the inside and outside of the premises. Since new Wireless technology has evolved over the years and has become more accessible and cheaper for everyone. It is now possible to have a state of the art complete monitoring system in place and running within 10 minutes.
What do you need to have a good installation that will protect you? The first and most important part will be the actual cameras, you can get small cameras that will send crystal clear footage to the camera receiver, if you do not want to buy an external viewing monitor then it is possible to display everything on a standard television. Installation could not be more simple, mounting the cameras is a very simple process and can involve as little as two screws, plug it into the standard mains output and the job is near done. All that then remains is to plug the video receiver into the television output and the system is installed. This eliminates any unwanted cabling and the expense involved in running it, the cameras are so good that they can even transmit through doors, floors, ceilings and walls. The cameras can be very small as well which can be useful if you need to monitor staff or if you are monitoring open access areas. The camera systems can even be more sophisticated and offer the ability to have motion detection and infra red should this be needed.
There are so many benefits to having security cameras for small business installed of which some are the theft prevention aspects, insurance benefits, peace or mind and the simplicity of installation. Any small business can benefit from an installation from Restaurants, small shops, professional offices and small warehouses. In terms of the business impact of having security cameras installed this can range from avoiding law suites, ensuring customer and employee safety, preventing theft, evaluating the staffs performance and monitoring the building while you are away. There are so many uses and cases for having a system installed that it could potentially be saving you money and time in the long run. As sated earlier in the article with the simplicity of the monitoring systems and the ease of use virtually every small business should be able to budget for a good quality low cost security system to install in their premises. Whether you choose to install a wireless one or a wired solution, cheap or expensive, the options will be able to provide you with the added security that is need when running a small business and help to prevent loss and safe money.
Steve Strong's is an employee with Sun Security which is an innovative and growth oriented company who uses a fresh and new approach to meet the security needs of millions of consumers throughout North America. Visit us at: http://www.sunsecurity.com
Read More......
No matter how large your organization security needs to be taken very seriously, a good quality security system can not only prevent an unauthorized act but can also help to reduce insurance payments and protect the workforce. Even if you run a small business it is possible to install and monitor security cameras at a very reasonable price. Many small businesses are now turning to the wireless camera networks for monitoring the inside and outside of the premises. Since new Wireless technology has evolved over the years and has become more accessible and cheaper for everyone. It is now possible to have a state of the art complete monitoring system in place and running within 10 minutes.
What do you need to have a good installation that will protect you? The first and most important part will be the actual cameras, you can get small cameras that will send crystal clear footage to the camera receiver, if you do not want to buy an external viewing monitor then it is possible to display everything on a standard television. Installation could not be more simple, mounting the cameras is a very simple process and can involve as little as two screws, plug it into the standard mains output and the job is near done. All that then remains is to plug the video receiver into the television output and the system is installed. This eliminates any unwanted cabling and the expense involved in running it, the cameras are so good that they can even transmit through doors, floors, ceilings and walls. The cameras can be very small as well which can be useful if you need to monitor staff or if you are monitoring open access areas. The camera systems can even be more sophisticated and offer the ability to have motion detection and infra red should this be needed.
There are so many benefits to having security cameras for small business installed of which some are the theft prevention aspects, insurance benefits, peace or mind and the simplicity of installation. Any small business can benefit from an installation from Restaurants, small shops, professional offices and small warehouses. In terms of the business impact of having security cameras installed this can range from avoiding law suites, ensuring customer and employee safety, preventing theft, evaluating the staffs performance and monitoring the building while you are away. There are so many uses and cases for having a system installed that it could potentially be saving you money and time in the long run. As sated earlier in the article with the simplicity of the monitoring systems and the ease of use virtually every small business should be able to budget for a good quality low cost security system to install in their premises. Whether you choose to install a wireless one or a wired solution, cheap or expensive, the options will be able to provide you with the added security that is need when running a small business and help to prevent loss and safe money.
Steve Strong's is an employee with Sun Security which is an innovative and growth oriented company who uses a fresh and new approach to meet the security needs of millions of consumers throughout North America. Visit us at: http://www.sunsecurity.com
Read More......
Classic Car Insurance - 6 Questions to Ask Before You Apply
By Barb Dearing
Are you ready to shop for classic car insurance? Maybe, maybe not. Before you pick up the phone, let's take a minute to review the six questions you need to consider before you talk with an agent.
Essentially, your agent is going to want to know how much the car is used and how you plan to maintain it. Knowing the answers to these questions will save you time on the phone -- and put you in a much better position to negotiate the best insurance coverage for your classic honey.
1. Do you plan to insure the car for what you feel it's really worth? Your agent will undoubtedly ask how much insurance coverage you are seeking -- if your personal opinion of value is higher than the vehicle's appraised value, you may want to consider a higher level of coverage.
2. Do you plan to participate in car club events? If so, you need to consider the amount of liability you can incur in such events. A classic car that is stored 365 days a year has much less potential for liability claims than a car that is driven regularly in parades and other event.
3. Are you planning an extended period of renovation for the car? If so, do you need to insure the car while it's off the road?
4. Do you plan to ship the car any time soon? If so, additional coverage may be warranted since the car will be outside of your control.
5. How many miles a year do you expect to drive the car? If these miles are limited, you may be able to negotiate a lower premium. Be sure to ask about any maximum mileage limitations. An annual restriction of 2,500 miles may be imposed by your car insurance company.
6. Who will be repairing or maintaining the car? Again, if the car is outside of your control, you may want to consider higher theft and damage coverage. On the flip side, if you personally maintain the car within secure confines on your property, you may want to pay for minimal coverage.
The answers to all of these questions need to be considered before you decide how much coverage is warranted for your classic car. Also, car owners should be aware that some insurance companies specialize in classic car insurance. But as with any car insurance policy, it's best to get quotes from several insurance providers before making a decision. Hopefully, by carefully considering the answers to the six questions we've discussed, you'll be prepared to shop for the best coverage for your classic car.
Thinking of shopping online for multiple car insurance quotes? You may want to visit the website recommended below to get at least five quotes for your classic car insurance.
Read More......
Are you ready to shop for classic car insurance? Maybe, maybe not. Before you pick up the phone, let's take a minute to review the six questions you need to consider before you talk with an agent.
Essentially, your agent is going to want to know how much the car is used and how you plan to maintain it. Knowing the answers to these questions will save you time on the phone -- and put you in a much better position to negotiate the best insurance coverage for your classic honey.
1. Do you plan to insure the car for what you feel it's really worth? Your agent will undoubtedly ask how much insurance coverage you are seeking -- if your personal opinion of value is higher than the vehicle's appraised value, you may want to consider a higher level of coverage.
2. Do you plan to participate in car club events? If so, you need to consider the amount of liability you can incur in such events. A classic car that is stored 365 days a year has much less potential for liability claims than a car that is driven regularly in parades and other event.
3. Are you planning an extended period of renovation for the car? If so, do you need to insure the car while it's off the road?
4. Do you plan to ship the car any time soon? If so, additional coverage may be warranted since the car will be outside of your control.
5. How many miles a year do you expect to drive the car? If these miles are limited, you may be able to negotiate a lower premium. Be sure to ask about any maximum mileage limitations. An annual restriction of 2,500 miles may be imposed by your car insurance company.
6. Who will be repairing or maintaining the car? Again, if the car is outside of your control, you may want to consider higher theft and damage coverage. On the flip side, if you personally maintain the car within secure confines on your property, you may want to pay for minimal coverage.
The answers to all of these questions need to be considered before you decide how much coverage is warranted for your classic car. Also, car owners should be aware that some insurance companies specialize in classic car insurance. But as with any car insurance policy, it's best to get quotes from several insurance providers before making a decision. Hopefully, by carefully considering the answers to the six questions we've discussed, you'll be prepared to shop for the best coverage for your classic car.
Thinking of shopping online for multiple car insurance quotes? You may want to visit the website recommended below to get at least five quotes for your classic car insurance.
Barb Dearing is a writer specializing in topics that help consumers save money. She recommends the following website for free car insurance quotes: http://www.shop-car-insurance.com
Article Source: http://www.goarticles.comRead More......
Your Best Car Insurance Quote - 3 Things To Do Before You Shop
By Barb Dearing
Everybody knows that to get the best car insurance quote, it's important to shop at least five different car insurance companies. But before you even get those quotes, there are a few things you can do to make yourself (and your vehicle) more attractive to insurers.
1) Keep Your Credit Clean… Studies have shown a direct correlation between your credit score and the likelihood that you will file an auto insurance claim. For this reason, almost all insurers pull your credit report. Your credit report shows an insurer if you pay your bills in a timely fashion and have had the same credit accounts for a long time.
Someone who does this is considered more stable than someone who pays late and frequently opens and closes accounts. This information is used to create your "insurance risk score", which is one factor that determines your car insurance rate.
Tip: If your credit history is not strong, start cleaning it up. If there is unusual credit activity on your account, wait about a month for it to return to normal before shopping for car insurance quotes.
2) Think About the Type of Car You Plan to Buy… Insurers have a rating system for every car make and model. Most use a system devised by the Insurance Service Office, which starts with the cost of the vehicle and then factors in safety and theft data. Cars are given a rating from 1 to 27, and the higher the number, the higher your premium.
Tip: Look up your car's relative risk online. If you're trying to keep your car insurance premiums low, it's best to consider this risk before you buy that high-risk sports car.
3) Pay your insurance premium in full ... "Fractional premium" fees are usually charged when you pay your annual premium in six-month, quarterly or monthly installments. There is almost always an administrative fee to break down these payments also. This can really add up.
Tip: Ask about fees for paying in installments. If the fees are small enough, it may be worth it. If not, bite the bullet and pay for the insurance premium in full.
OK, you've cleaned up your credit, chosen a low-risk car and have budgeted to pay your full car insurance premium up-front. Now you're ready to shop for your best car insurance quote!
Read More......
Everybody knows that to get the best car insurance quote, it's important to shop at least five different car insurance companies. But before you even get those quotes, there are a few things you can do to make yourself (and your vehicle) more attractive to insurers.
1) Keep Your Credit Clean… Studies have shown a direct correlation between your credit score and the likelihood that you will file an auto insurance claim. For this reason, almost all insurers pull your credit report. Your credit report shows an insurer if you pay your bills in a timely fashion and have had the same credit accounts for a long time.
Someone who does this is considered more stable than someone who pays late and frequently opens and closes accounts. This information is used to create your "insurance risk score", which is one factor that determines your car insurance rate.
Tip: If your credit history is not strong, start cleaning it up. If there is unusual credit activity on your account, wait about a month for it to return to normal before shopping for car insurance quotes.
2) Think About the Type of Car You Plan to Buy… Insurers have a rating system for every car make and model. Most use a system devised by the Insurance Service Office, which starts with the cost of the vehicle and then factors in safety and theft data. Cars are given a rating from 1 to 27, and the higher the number, the higher your premium.
Tip: Look up your car's relative risk online. If you're trying to keep your car insurance premiums low, it's best to consider this risk before you buy that high-risk sports car.
3) Pay your insurance premium in full ... "Fractional premium" fees are usually charged when you pay your annual premium in six-month, quarterly or monthly installments. There is almost always an administrative fee to break down these payments also. This can really add up.
Tip: Ask about fees for paying in installments. If the fees are small enough, it may be worth it. If not, bite the bullet and pay for the insurance premium in full.
OK, you've cleaned up your credit, chosen a low-risk car and have budgeted to pay your full car insurance premium up-front. Now you're ready to shop for your best car insurance quote!
Barb Dearing is a writer specializing in topics that help consumers save money. She recommends the following website for free car insurance quotes: http://www.shop-car-insurance.com
Article source: http://www.goarticles.comRead More......
Insurance Explanations
General
|
By Heidi Ball
What exactly is the benefit of having so many types of insurance? Sure, some insurances are mandatory to have in some states, but what is it about all of it? Why do we really "need" insurance?
Let's take a quick look at them one by one.
First off let's talk about homeowners insurance. Purchasing a home is a large investment. Not only the structure of the home, but all the contents inside. If something would happen to your home and everything in it because of a fire or flood, would you be covered? Your home is the largest asset you will probably ever own. It is important to make sure you are protected in case something happens to your home or anything that is inside.
Auto insurance is required on today's roads and for good reason. This goes for any vehicle that has to pass a safety/emissions test. While most people want to save as much money on car insurance as possible, it is important to remember that you need adequate coverage also. The best way to get the lowest rate is to keep a clean driving record. Don't skimp on auto insurance - this is probably the area of insurance that you need the most.
Life insurance can cost a pretty penny and is something people really don't want to think about. Try thinking about what it is your loved ones would do financially without you. Would your death be a financial burden? Would everything still be able to be paid for after you're gone? Life insurance provides financial security that your family will need during one of life's most difficult times. This is an important type of insurance to consider.
You work hard to keep your business up and running and perhaps it's time to think about business insurance. If your business is your livelihood, then you need to protect it from problems that can arise. It is wise to at least look into what business insurance can do for you.
No matter the type of insurance, it all has its place and is all important. Be sure to talk to someone about your specific situation and an expert in the insurance field can lead you to what is best for your needs.
For Rochester business insurance or even for Rochester auto insurance, contact Bajorek Agency
Heidi Ball is a freelance writer.
Article Source: http://EzineArticles.com/?expert=Heidi_Ball
Read More......
What exactly is the benefit of having so many types of insurance? Sure, some insurances are mandatory to have in some states, but what is it about all of it? Why do we really "need" insurance?
Let's take a quick look at them one by one.
First off let's talk about homeowners insurance. Purchasing a home is a large investment. Not only the structure of the home, but all the contents inside. If something would happen to your home and everything in it because of a fire or flood, would you be covered? Your home is the largest asset you will probably ever own. It is important to make sure you are protected in case something happens to your home or anything that is inside.
Auto insurance is required on today's roads and for good reason. This goes for any vehicle that has to pass a safety/emissions test. While most people want to save as much money on car insurance as possible, it is important to remember that you need adequate coverage also. The best way to get the lowest rate is to keep a clean driving record. Don't skimp on auto insurance - this is probably the area of insurance that you need the most.
Life insurance can cost a pretty penny and is something people really don't want to think about. Try thinking about what it is your loved ones would do financially without you. Would your death be a financial burden? Would everything still be able to be paid for after you're gone? Life insurance provides financial security that your family will need during one of life's most difficult times. This is an important type of insurance to consider.
You work hard to keep your business up and running and perhaps it's time to think about business insurance. If your business is your livelihood, then you need to protect it from problems that can arise. It is wise to at least look into what business insurance can do for you.
No matter the type of insurance, it all has its place and is all important. Be sure to talk to someone about your specific situation and an expert in the insurance field can lead you to what is best for your needs.
For Rochester business insurance or even for Rochester auto insurance, contact Bajorek Agency
Heidi Ball is a freelance writer.
Article Source: http://EzineArticles.com/?expert=Heidi_Ball
Read More......
Asset Protection - Personal Property is an Asset Worth Protecting
By Wolfgang O
Most of us think of assets as real property, investments, vehicles, savings accounts and so on. While those are valuable and it only makes sense to protect ourselves by protecting our assets, many of us do not think of our personal property as a big asset, and we don't protect ourselves against their loss beyond taking out a homeowner's or renter's insurance policy.
It is true that pennies make dollars, and the value of all our personal property--clothes, furniture, kitchenware, appliances, collections, electronics, and so forth--is probably more than we think. If we had to replace everything at once, it could be a hardship. Yet many of us lose our personal property piecemeal by failing to take care of what we own.
Have you ever replaced a lost thing, then found what was lost? Every time that happens, we've thrown away money we would not have had to spend had we taken better care to not lose things in the first place. Money spent buying duplicates is money that can't be spent elsewhere: on house payments, invested, saved, or whatever. Perhaps replacing a lost pair of pliers won't break the bank, but if you're replacing many lost things, it adds up to a financial loss. Add to that the clothes we destroy by improper cleaning or other abuse. What about the furniture we have to replace due to pet damage or damage from smoking? The lost eyeglasses we have to shell out for because our insurance won't replace them until next year? The food we put down the garbage disposal because we don't eat leftovers, or because it was shoved to the back of our refrigerator?
Do our driving habits shorten the life of our car's tires or brakes? Do we abuse or clothes washer or dryer by overloading? Do we waste electricity by leaving lights on in an empty room or do we waste natural gas heat because our home's windows leak? How much of what we pay for every year is due to wastefulness, carelessness, or inattention?
Considering what we could do with the cash we waste through our own bad habits is sobering. Perhaps we could give ourselves an immediate five or ten percent (or more) raise in the amount available for investment simply by living more carefully and attentively and eliminating waste. None of us would take ten percent of our hard-earned cash and burn it up--but our waste does the same thing to our available investment cash. It makes no sense to carefully trade under-performing stocks to maximize return, and at the same time waste a little here and a little there that adds to a bigger drain than that under-performing stock. Do you drain fail to protect your smaller assets by being careless with your things? wasting expensive energy? Do your own wastefulness audit. The result will probably be more than you think.
Be sure to read up on Asset Protection since it is an extremely important part of your Real Estate Investing plan
Article Source: http://EzineArticles.com/?expert=Wolfgang_O
Read More......
Most of us think of assets as real property, investments, vehicles, savings accounts and so on. While those are valuable and it only makes sense to protect ourselves by protecting our assets, many of us do not think of our personal property as a big asset, and we don't protect ourselves against their loss beyond taking out a homeowner's or renter's insurance policy.
It is true that pennies make dollars, and the value of all our personal property--clothes, furniture, kitchenware, appliances, collections, electronics, and so forth--is probably more than we think. If we had to replace everything at once, it could be a hardship. Yet many of us lose our personal property piecemeal by failing to take care of what we own.
Have you ever replaced a lost thing, then found what was lost? Every time that happens, we've thrown away money we would not have had to spend had we taken better care to not lose things in the first place. Money spent buying duplicates is money that can't be spent elsewhere: on house payments, invested, saved, or whatever. Perhaps replacing a lost pair of pliers won't break the bank, but if you're replacing many lost things, it adds up to a financial loss. Add to that the clothes we destroy by improper cleaning or other abuse. What about the furniture we have to replace due to pet damage or damage from smoking? The lost eyeglasses we have to shell out for because our insurance won't replace them until next year? The food we put down the garbage disposal because we don't eat leftovers, or because it was shoved to the back of our refrigerator?
Do our driving habits shorten the life of our car's tires or brakes? Do we abuse or clothes washer or dryer by overloading? Do we waste electricity by leaving lights on in an empty room or do we waste natural gas heat because our home's windows leak? How much of what we pay for every year is due to wastefulness, carelessness, or inattention?
Considering what we could do with the cash we waste through our own bad habits is sobering. Perhaps we could give ourselves an immediate five or ten percent (or more) raise in the amount available for investment simply by living more carefully and attentively and eliminating waste. None of us would take ten percent of our hard-earned cash and burn it up--but our waste does the same thing to our available investment cash. It makes no sense to carefully trade under-performing stocks to maximize return, and at the same time waste a little here and a little there that adds to a bigger drain than that under-performing stock. Do you drain fail to protect your smaller assets by being careless with your things? wasting expensive energy? Do your own wastefulness audit. The result will probably be more than you think.
Be sure to read up on Asset Protection since it is an extremely important part of your Real Estate Investing plan
Article Source: http://EzineArticles.com/?expert=Wolfgang_O
Read More......
How to Shop For Auto Insurance
By Justin Narin
With auto insurance premiums rising across the country, comparing premiums for similar auto insurance coverage has become the ultimate test of your shopping savvy. Have you checked with every insurer to be sure you'll be paying the lowest premium for the most coverage? Did you check on all the discounts for which you might be eligible, such as good-grades discounts for your high school student, driver's education and defensive driving course discounts, anti-theft device price breaks, and multi-car rates? Putting it all together to know you're getting the best price is challenging, but the money you'll save on your premiums makes the extra effort well worth it in the long run. Follow these three steps to be sure you're making the right choice.
First, log onto www.naic.org to find out if there are any online resources that pertain to your area. This is the website for the National Association of Insurance Commissioners (NAIC). Find the link to NAIC States and Jurisdictions. From there, you can find out if your state or area has a website listing the current rates of local auto insurance companies. If so, you're already a step ahead of the game. Just keep in mind that the rates quoted on these sites cannot take your personal situation into account. If you have bad credit or a poor driving record, your premiums will probably be higher than those listed on your local insurance commissioner's website, but at least you can study trends of different companies in your area from an unbiased source, making useful comparisons that can save you time when you're calling around.
Even if your state doesn't have a site, the NAIC website contains consumer guides with valuable information to which you may want to refer during your search.
Next, you need to shop around for coverage. Be honest with the companies you call or visit online about your personal situation, your insurance needs, and your driving history. When you receive a quote, confirm that you know exactly how much coverage is being offered for the premium amount mentioned. Remember that your auto insurance is actually a group of several different types of coverage. Ask how much coverage the quoted premium provides to you and how much each coverage is worth. Make sure you're comparing similar plans, and know what law in your state requires.
Finally, it's time to talk discounts. Once you've narrowed your choices, compare the discounts offered from one insurer to another.
Get a quote on the final premium amount after all discounts are taken. One insurer may offer you two discounts good for 5% each while another may offer you only one discount. However, if that one discount offers you a savings of 15% total, it will make more sense to purchase your policy from the second insurer. Take a look at the bottom line (the final premium amount) for a true comparison.
Look at the information the NAIC has to offer you, shop around for the lowest premium and best coverage, and make sure you receive every discount to which you're entitled. If you follow these steps, you'll have the peace of mind of knowing you got the best auto insurance deal available to you.
For more articles and suggestions, visit http://www.bills.com/auto-insurance-guide-article/
Justin has 5 years of experience as a financial adviser; his key areas are loan consolidation, debt relief, mortgages etc. For more free articles and advice visit http://www.Bills.com
Article Source: http://EzineArticles.com/?expert=Justin_Narin
Read More......
With auto insurance premiums rising across the country, comparing premiums for similar auto insurance coverage has become the ultimate test of your shopping savvy. Have you checked with every insurer to be sure you'll be paying the lowest premium for the most coverage? Did you check on all the discounts for which you might be eligible, such as good-grades discounts for your high school student, driver's education and defensive driving course discounts, anti-theft device price breaks, and multi-car rates? Putting it all together to know you're getting the best price is challenging, but the money you'll save on your premiums makes the extra effort well worth it in the long run. Follow these three steps to be sure you're making the right choice.
First, log onto www.naic.org to find out if there are any online resources that pertain to your area. This is the website for the National Association of Insurance Commissioners (NAIC). Find the link to NAIC States and Jurisdictions. From there, you can find out if your state or area has a website listing the current rates of local auto insurance companies. If so, you're already a step ahead of the game. Just keep in mind that the rates quoted on these sites cannot take your personal situation into account. If you have bad credit or a poor driving record, your premiums will probably be higher than those listed on your local insurance commissioner's website, but at least you can study trends of different companies in your area from an unbiased source, making useful comparisons that can save you time when you're calling around.
Even if your state doesn't have a site, the NAIC website contains consumer guides with valuable information to which you may want to refer during your search.
Next, you need to shop around for coverage. Be honest with the companies you call or visit online about your personal situation, your insurance needs, and your driving history. When you receive a quote, confirm that you know exactly how much coverage is being offered for the premium amount mentioned. Remember that your auto insurance is actually a group of several different types of coverage. Ask how much coverage the quoted premium provides to you and how much each coverage is worth. Make sure you're comparing similar plans, and know what law in your state requires.
Finally, it's time to talk discounts. Once you've narrowed your choices, compare the discounts offered from one insurer to another.
Get a quote on the final premium amount after all discounts are taken. One insurer may offer you two discounts good for 5% each while another may offer you only one discount. However, if that one discount offers you a savings of 15% total, it will make more sense to purchase your policy from the second insurer. Take a look at the bottom line (the final premium amount) for a true comparison.
Look at the information the NAIC has to offer you, shop around for the lowest premium and best coverage, and make sure you receive every discount to which you're entitled. If you follow these steps, you'll have the peace of mind of knowing you got the best auto insurance deal available to you.
For more articles and suggestions, visit http://www.bills.com/auto-insurance-guide-article/
Justin has 5 years of experience as a financial adviser; his key areas are loan consolidation, debt relief, mortgages etc. For more free articles and advice visit http://www.Bills.com
Article Source: http://EzineArticles.com/?expert=Justin_Narin
Read More......
Individual Medical Insurance Coverage
By Howard Kaufman
If you've been recently laid off from work and your COBRA benefits have expired or are near expiring, or if you are self-employed, then your only recourse to obtain health insurance would be to purchase your own individual medical insurance coverage.
Though buying your own individual medical insurance coverage is generally more expensive than employer-sponsored healthcare (because your employer is subsidizing a significant percentage of your actual healthcare costs), there is some good news for individuals who are shopping around for the best deals:
You have a far greater degree of flexibility in terms of the type of plans you can choose from, since you are free to subscribe to and drop a health insurance provider any time you want to. You are never locked into one specific plan like you would be if you were obtaining coverage through an employer.
* You can choose your health insurance provider.
* You can choose from a wide array of deductible options.
* You can choose from a wide array of monthly premiums.
* You can choose plans that include or exclude the coverage and features that you want, such as prescription coverage, maternity coverage, flexible spending accounts, coinsurance and copay amounts.
Another piece of good news is that, even though you don't pay for your individual medical insurance coverage premiums with pretax dollars the way you would under an employer-sponsored plan, you get to take a tax deduction for qualified medical expenses that are in in excess of 7.5% (as of this writing) of your adjusted gross income.
Read More......
If you've been recently laid off from work and your COBRA benefits have expired or are near expiring, or if you are self-employed, then your only recourse to obtain health insurance would be to purchase your own individual medical insurance coverage.
Though buying your own individual medical insurance coverage is generally more expensive than employer-sponsored healthcare (because your employer is subsidizing a significant percentage of your actual healthcare costs), there is some good news for individuals who are shopping around for the best deals:
You have a far greater degree of flexibility in terms of the type of plans you can choose from, since you are free to subscribe to and drop a health insurance provider any time you want to. You are never locked into one specific plan like you would be if you were obtaining coverage through an employer.
* You can choose your health insurance provider.
* You can choose from a wide array of deductible options.
* You can choose from a wide array of monthly premiums.
* You can choose plans that include or exclude the coverage and features that you want, such as prescription coverage, maternity coverage, flexible spending accounts, coinsurance and copay amounts.
Another piece of good news is that, even though you don't pay for your individual medical insurance coverage premiums with pretax dollars the way you would under an employer-sponsored plan, you get to take a tax deduction for qualified medical expenses that are in in excess of 7.5% (as of this writing) of your adjusted gross income.
Not sure which health plan is right for you? Compare health plans now and get a free insurance quote.
Article Source: http://EzineArticles.com/?expert=Howard_Kaufman
Read More......
Insurance Leads - How to Choose the Best Company For Your Insurance Agency Leads
By W. G. Moore
They're hundreds of companies out there who will offer to sell you Insurance Leads, some have been in the business for many years, others are start ups, and still others are fly-by-night garbage lead pushers. So how do you tell if a company is reputable? How do you know the leads you get are going to be of high quality? Truthfully, unless you have lost money dealing with bad companies then you won't. Although there is a good chance to make lots of money with the right leads, there is also a very good chance to loose money as well. There are pros and cons to every method of lead generation, but knowledge of what to look for can save you time and money.
Let me give you an example of my dealings with lead sellers. A few years back I ran a successful Commercial Mortgage Brokerage, most of my business came through word of mouth and referrals. Like all businesses that rely on sales to generate income, the pipeline can run dry, so did mine. I tried various other lead generation strategies with marginal results, direct mail, post cards, etc. I researched several sales lead companies and found one that was very reputable in their field. So how do you determine if a company is reputable? You ask your competition. Whenever you deal with a lead generation company, whether its mortgage leads, life insurance leads, or consumer leads you will have to compete with other companies who will be buying the same leads. Look at what other Insurance companies are listed and call them up, if you can't find out that info then ask the lead company. If they really are reputable then they will have no problem providing you with references from happy customers.
In addition to the companies reputation, the second criteria should be the quality of the insurance leads provided by the company. Most companies have a limit to how many times they sell a lead, look for a company that will only sell a lead to 2 or 3 other insurance agents. The obvious reason for this is that you don't want a lead that 10 other agents have already purchased, the last thing you want is to spend money on a lead you have no chance of closing, not to mention the ear chewing your going to get when you're the 10th insurance broker to call the client that day. With fewer agents having bought the lead you have a better chance of closing the deal and selling your services to the client. A good insurance lead company may even offer exclusive targeted leads for a premium price. These leads are sold to only you and are targeted to your insurance product, for instance Auto insurance leads in Florida, or Life Annuity Leads in California.
In addition to the above criteria, lead transfer time is very important. Look for a company that offers live transfer or real time leads. These are leads that are batched and sold immediately upon the application being submitted. In some cases a phone operator is used to call the customer and that operator then transfers the "warm" client to the agent. This is the best insurance lead to get, the client is pre-qualified and verified before being connected to the qualified agent to close the deal. A typical company will list the methods used to gather their insurance company leads. Look for companies that generate search traffic thru targeted campaigns - whether Pay Per Click, Print media, or other forms of lead generation. It is also important to stay away from companies that use incentivized traffic, these are companies that use bribery to get visitors to fill out an application for an Insurance quote, these are customers who will not answer your phone call or even hang-up on you when you call. it is a good idea to also make sure the company provides replacement leads for bad or bogus leads. Even the best companies can get a few bad apples in the bunch.
Buying insurance leads should be a small part of every companies long term strategy for keeping their pipeline full of "warm" quality leads. Keeping the above listed criteria in mind will help limit your risk and ensure a great return on investment.
Read More......
They're hundreds of companies out there who will offer to sell you Insurance Leads, some have been in the business for many years, others are start ups, and still others are fly-by-night garbage lead pushers. So how do you tell if a company is reputable? How do you know the leads you get are going to be of high quality? Truthfully, unless you have lost money dealing with bad companies then you won't. Although there is a good chance to make lots of money with the right leads, there is also a very good chance to loose money as well. There are pros and cons to every method of lead generation, but knowledge of what to look for can save you time and money.
Let me give you an example of my dealings with lead sellers. A few years back I ran a successful Commercial Mortgage Brokerage, most of my business came through word of mouth and referrals. Like all businesses that rely on sales to generate income, the pipeline can run dry, so did mine. I tried various other lead generation strategies with marginal results, direct mail, post cards, etc. I researched several sales lead companies and found one that was very reputable in their field. So how do you determine if a company is reputable? You ask your competition. Whenever you deal with a lead generation company, whether its mortgage leads, life insurance leads, or consumer leads you will have to compete with other companies who will be buying the same leads. Look at what other Insurance companies are listed and call them up, if you can't find out that info then ask the lead company. If they really are reputable then they will have no problem providing you with references from happy customers.
In addition to the companies reputation, the second criteria should be the quality of the insurance leads provided by the company. Most companies have a limit to how many times they sell a lead, look for a company that will only sell a lead to 2 or 3 other insurance agents. The obvious reason for this is that you don't want a lead that 10 other agents have already purchased, the last thing you want is to spend money on a lead you have no chance of closing, not to mention the ear chewing your going to get when you're the 10th insurance broker to call the client that day. With fewer agents having bought the lead you have a better chance of closing the deal and selling your services to the client. A good insurance lead company may even offer exclusive targeted leads for a premium price. These leads are sold to only you and are targeted to your insurance product, for instance Auto insurance leads in Florida, or Life Annuity Leads in California.
In addition to the above criteria, lead transfer time is very important. Look for a company that offers live transfer or real time leads. These are leads that are batched and sold immediately upon the application being submitted. In some cases a phone operator is used to call the customer and that operator then transfers the "warm" client to the agent. This is the best insurance lead to get, the client is pre-qualified and verified before being connected to the qualified agent to close the deal. A typical company will list the methods used to gather their insurance company leads. Look for companies that generate search traffic thru targeted campaigns - whether Pay Per Click, Print media, or other forms of lead generation. It is also important to stay away from companies that use incentivized traffic, these are companies that use bribery to get visitors to fill out an application for an Insurance quote, these are customers who will not answer your phone call or even hang-up on you when you call. it is a good idea to also make sure the company provides replacement leads for bad or bogus leads. Even the best companies can get a few bad apples in the bunch.
Buying insurance leads should be a small part of every companies long term strategy for keeping their pipeline full of "warm" quality leads. Keeping the above listed criteria in mind will help limit your risk and ensure a great return on investment.
W.G. Moore is an Internet Marketer specializing in Insurance and Finance marketing. The authors website http://www.national-insurance-quotes.com provides a hassle free means of comparing insurance quotes from the nations top insurance companies. Visitors can obtain multiple insurance quotes for life, auto, health, renters, homeowners and condo insurance. Customers can also compare annuity investments for a complete financial plan. The website also provides direct linking to real-time insurance leads for qualified agents and brokers.
Article Source: http://EzineArticles.com/?expert=W._G._Moore
Subscribe to:
Posts (Atom)
