Tips For Getting The Lowest Car Insurance

Buying your first car is a pleasurable rite of passage for most people, but the accompanying purchase of auto insurance is less fun. In fact, many new car owners find the cost of insurance frustratingly high and so do individuals who have had car insurance for decades. (Learn how to read one of the most important documents you own. Check out Understand Your Insurance Contract.)

While competing car insurance companies offer opportunities for discounts, individuals can also take steps before they buy a car to make sure they will pay the lowest possible premiums.

 10 Insurance Tips For Homeowners

Compare Rates for Various Cars
Once you have identified two or three cars that you think you can afford and will fulfill your needs, call your current insurance (or a new insurance company) to compare premiums for the cars. Car insurance costs vary because of the safety record, repair costs and likelihood of theft as well as the price of the car.

Avoid Gaps in Coverage
If you are switching policies, make sure you are completely covered at all times. If you let your insurance coverage lapse by forgetting to make the premium payments, your rates are likely to be increased.


Maintain Good Credit
Insurance companies typically check your credit score when determining your insurance rates because they have found a correlation between bad credit and the likelihood of making a claim.


Drive Less
Many companies offer a low-mileage discount for drivers who have a short commute or drive few miles each year.


Request a High Deductible
One of the easiest ways to reduce your car insurance premiums is to increase your deductible. Just make sure you have the funds to pay the deductible if you get in an accident.


Claim all Your Discounts
If your car has extra anti-theft or safety features such as anti-lock brakes, most insurance companies will give you a discount on your premiums. You may also be eligible for a discount if you have taken a defensive driving class or, if you are a student, you have good grades.


Drive Safely
Of course you should drive carefully to avoid accidents and tickets anyway, but bad driving can also raise your insurance rates or even lead to a nonrenewal of your policy. While too many speeding tickets can cause a problem, causing an accident will typically raise your insurance costs by as much as 40%.

 Top 10 Solutions For A Big Tax Bill

Consider Moving
While this may be a bit drastic, auto insurance rates vary widely from one location to another because of the likelihood of an accident or a theft. In general, car insurance rates are lower in rural areas, so you may want to look into the potential for higher or lower insurance rates if you are thinking of moving.


Work with One Insurance Company
After you shop around for insurance rates, choose one company for all your insurance needs. Most offer a discount for combining car and homeowners or renters insurance with one provider. (Before paying for coverage, find out what you need to do to ensure you get paid. See What To Do If Your Insurance Won't Pay.)


Lower Your Coverage
The Insurance Information Institute (III) suggests dropping collision and/or comprehensive insurance on older cars to save money. As a rule of thumb, III says that if your car is worth less than 10 times the premium, it may make sense to drop that coverage.

The Bottom Line
The important thing to recognize is that car insurance should be customized to meet your needs. Consulting with an insurance agent can be the best way to make sure you are taking advantage of every possible discount and that you and your car are still adequately covered. (Continue your insurance education;

source via : http://www.investopedia.com/

Insurance Broker Tips

Insurance Broker Tips

If you sell life insurance, mortgage protection, disability and critical illness insurance or annuities, the goal is the same: to grow leads and increase sales. The good news is that you're in a sales career that offers different ways to grow your business relatively cheap. Here are 10 tips that every insurance agent needs to know to close more sales.

1. listen more, talk less

As tempting as it is to sit down and start explaining all the benefits of insurance policies and plans, the best thing you can do is to let the prospect of leading the discussion. Instead of pitching your product, sit down and ask the person you speak with their lifestyle. Ask questions about their family and the concerns for the future and let them tell you what they are looking for. Your role is to be an insurance consultant, not an insurance salesman.

2. do not sell products, provide solutions

Instead of jumping into a sales pitch on large discounts offered by your agency on insurance plans, explain the perspective as what you are offering can help solve a problem that currently have, or potential problem down the road. People are much more likely to buy products that solve problems and provide them peace of mind. You will only be able to do it successfully if you understand the needs of families and followed the number one rule: listen more, talk less.

3. highlight the benefits characteristics

Rather than focusing on the technical aspects of an insurance policy (even if you want to be sure that the lead clearly understands this before purchase), first highlight as having insurance will help them in terms they can relate to. For example, to explain how the aid policy will pay the bills if they become disabled. Be sure to keep the lead and their needs at the center of the conversation.

4. leave something to remember you by

Most sales of life insurance simple - especially lead sales driven - can be a one sit close, but occasionally families will need to weigh their options and put more thought into their final decision. This is certainly the case with annuity sales or insurance sales life more complex. Make sure you are prepared with specific company or the product documentation that can leave behind. At a minimum, be prepared to leave a business card, because buyers may have questions after you leave, and you need a way to get in touch with you, especially if or when they need to use politics.

5. targets and deadlines

Make sure your goals are specific. That number of appointments you want to set this week? 10? 15? 20? How many of those appointments will be materialized in a sale? Make sure your goals are realistic. Rather than aiming for a 100% quit rate, in order to increase sales of insurance by 10%. Incremental goals are more achievable and create an atmosphere of success. Do not let your goals indefinitely. It is not enough to say "It will increase sales by 10%." Instead, give yourself a deadline. "It will increase sales by 10% every month."

6. take advantage of opportunities Networking

Take advantage of the opportunity to participate in fairs and exhibitions, conferences and meetings and network with other professionals in your field of insurance. These are great places to make connections, learn from industry leaders respected and stay up to date on industry trends.

7. ask for referrals

Have a happy outlook that you helped me in the past? Do not be afraid to ask for referrals. Word-of-mouth is still a viable and free track, generating tool.

8. learn something new every day

Take some time every day to improve sales and marketing knowledge. Read a book, attend a webinar or listening to an audio book and try to learn something new about your field.

9. associate with successful professionals

Surround yourself with successful people, positive. If you are surrounded by people who meet their goals, which will help motivate you to achieve your goals. Talk to other professionals in the insurance industry of what does and does not work and ask about their experiences when they were in your shoes.

10. love your job

To be truly effective, you must love your work and believe in the product you're selling. People who love what they do experience less stress and a higher rate of success.

Insurance quote by him

This is a Insurance Quotes from BrainyQuote, an extensive collection of quotations by famous authors, celebrities, and newsmakers

Get a Quote  Famous Insurance 

• I was just so lucky with 'Real Women Have Curves.' At that point, I would have done an insurance commercial. I would have done anything. -America Ferrera

• For me, to find a place that doesn't have an organized tour going to it is becoming more and more difficult. A lot of times it involves danger of a political nature - places where the adventure-travel trips can't go because they can't get any liability insurance. -Tim Cahill

• Today, Medicare provides health insurance to about 40 million seniors and disabled individuals each year. The number is only expected to grow as the baby boomers begin retiring. -Jim Bunning

• The trade union movement represents the organized economic power of the workers... It is in reality the most potent and the most direct social insurance the workers can establish.-Samuel Gompers

• If I were a capitalist I would not give my employees health insurance with no deductible, which I do, including dental, and paid pregnancy leave. That's not called capitalism, that's called being a Christian and someone who believes in democracy, so that everyone should get a fair slice of the pie Michael Moore

• Think of an economy where people could be an artist or a photographer or a writer without worrying about keeping their day job in order to have health insurance. -Nancy Pelosi  

• Sometimes I can tackle an issue -homelessness, tobacco litigation, insurance fraud, the death penalty - and wrap a good story around it. These are the best books, the ones with a story and a message.-John Grisham 

• It's like, hmm, there's people with $2000 weaves that could have bought health care with that weave money. They don't have insurance. People want what they want. And I guess that is a reason we have this big credit card problem and a lot of these foreclosures.-Chris Rock 

• Markets are as old as the crossroads. But capitalism, as we know it, is only a few hundred years old, enabled by cooperative arrangements and technologies, such as the joint-stock ownership company, shared liability insurance, double-entry bookkeeping.-Howard Rheingold

•  It's almost embarrassing how much support I have. I mean, I always tell people I feel like I'm perfectly set up to have cancer. I have great health insurance, I have a savings account. I have work lined up. I have friends and family. I have the best doctors I can get.-Tig Notaro

• I think the United States and the secretary of State should be concerned about the poverty in this country - people without health insurance. The United States should stop being the empire and be concerned about other countries. You've got to be more worried about your own people -Hugo Chavez

• My dad was in the army. World War II. He got his college education from the army. After World War II he became an insurance salesman. Really, I didn't know my dad very well. He and my mother split up after the war. I was raised by my maternal grandmother and grandfather, and by my mother.-Al Pacino 

• I started life washing cars in Canada before moving on to selling life insurance and vacuum cleaners. Later, I went through a programme by Dr. Norman Vincent Peale, which literally changed my life. It was the turning point.-Shiv Khera 

• There are worse things in life than death. Have you ever spent an evening with an insurance salesman?-Woody Allen 

• For almost seventy years the life insurance industry has been a smug sacred cow feeding the public a steady line of sacred bull.-Ralph Nader 

• Simply by not owning three medium-sized castles in Tuscany I have saved enough money in the last forty years on insurance premiums alone to buy a medium-sized castle in Tuscany -Ludwig Mies van der Rohe 

• My weekends are spent hidden in the woods, and then I have to come back and pretend to be this very upper-crust insurance investigator. But, I mean, duality's nice. You never get bored. You can't say the grass is always greener if you're in both backyards. -Hilarie Burton 

• I was born on the other side of the tracks, in public housing in Brooklyn, New York. My dad never made more than $20,000 a year, and I grew up in a family that lost health insurance. So I was scarred at a young age with understanding what it was like to watch my parents lose access to the American dream. -Howard Schultz 

• Look, if you have somebody who doesn't have health insurance, who doesn't have a doctor or dentist, and in order to deal with their cold or flu or dental problem, they go to an emergency room - in general, that visit will cost ten times more than walking into a community health center. -Bernie Sanders 

Insurance auto auction

Insurance auto auctions sell cars, trucks, bikes and also boats that have been damaged by collision; flooding; theft or fire or been subject to loss in some other way. At an insurance auto auction there might also be vehicles for sale that have been repossessed against defaulted payments. These auctions acquire stock directly from insurance companies in high volume so there is always plenty of choice.
All kinds of buyers take an interest in insurance auto auctions: exporters; dealers; small auto businesses that renovate and re-sale vehicles; and private individuals eager to find a bargain. Buyers qualify to take part in such auctions through licence but access to insurance auto auctions is easy via a registered and authorized online broker holding the relevant licensing.

Insurance auto auction

Vehicles wind up at auction for all kinds of reasons. Fleet leased cars tend to go for auction once they have reached a certain mileage. Many of these vehicles have taken a beating in terms of wear and tear but many others are surprisingly unscathed!

Dealer trade-ins are also found at auction and while some cars, bikes and trucks are in pretty bad shape, others are perfectly suitable for several more years of service. Browsing through the sale lists, the damage on each vehicle is clearly described so that buyers know what they are getting and in what condition. This information also outlines what parts are required to repair and renovate each vehicle; thousands of parts and vehicles that are suitable for parts only are accurately listed.
Some insurance auto auctions will arrange transportation, with a pickup service and towing facilities to save outlay on storage and also ensure you get what you purchased as quickly as possible. An online broker will deal directly with insurance auto auctions and liaise on transportation and inspection services.

Of course the main motive for buying at auction is a reduction in price on the vehicle. Auctions deliver when it comes to getting a lot of car for the lowest possible cash outlay and a discerning buyer who is not interested in renovation or repair can buy a near perfect vehicle, every bit as desirable as anything to be found on a used car lot, for perhaps less than half the cost.

As the auto industry introduces more and more safety procedures, making them standard for inclusion in new vehicles, insurance repair becomes less viable and more vehicles are written off as a loss, even though they are in excellent condition apart from surface scratching or minor dents. These vehicles go to auction to be snapped up by dealers at amazing prices.
Gaining access to insurance auto auctions is a simple process: simply register with an online broker and away you go. Make sure you check out credentials and that the broker is properly registered and authorized to protect your own interests. The broker will then provide comprehensive lists of prospective bargains before expertly guiding you through the buying process safely and efficiently.

source: http://www.autobidmaster.com/articles/insurance-auto-auctions-and-how-they-work/

This type of life insurance You should Know

This type of life insurance You should Know

This time we will specifically discuss about life insurance. Do you already know what is life insurance? Life insurance is a contractual agreement between you as a policyholder or insured with an insurance company as an insurer where the insurance company will pay the nominal amounts of money in case of risk of death against a party to the holder of the insurance policy. You as the insured is obliged to pay a certain amount of premium to be beneficial to provide replacement upon Your risk of death. In other words, life insurance is a type of insurance that aims to take away those against unexpected financial losses, which are caused due to the insured dies.

Life insurance can be purchased for the benefit of ourselves and on behalf of the insured only or purchased for the benefit of a third person. For example, a husband can buy life insurance with the wife as the insured, or parents can also buy life insurance with his son as the insured. There are several types of insurance, but before discussing about different types of life insurance is, it's good you know in advance some of the reasons that make life insurance is so important to you.

1. As a protection against loss of Income for the family
No one knows what will happen tomorrow, including you. To anticipate likely affected Your family and leave you nafkahi for good, You need to buy a life insurance policy so that your family can get the sum assured for life after You leave.

2. As protection risk died of diseases the main causes of Death
Based on a survey conducted the World Health Organization (WHO) in 2002, the 10 leading causes of death in Indonesia are coronary artery disease, tuberculosis, blood vessel disorders, respiratory ailments, diseases of the newborn, lung disease, traffic accidents, diabetes, hypertension, and diarrhea. These diseases are quite common, so it's important for you to have the protection of the risk of catching the disease-the disease and died.

3. One way of saving or Retirement Preparation
Save money on life insurance is the best alternative for your long term needs because of the nature of a regular premium payment, obliged, and not easily taken at any time.

There are several types of life insurance products that surely each has different benefits. Types of life insurance aims to serve a variety of needs, abilities, and purchasing power. Please note what are the different types of life insurance:

1. Life insurance Futures Exchange (Term Life Insurance)
Futures or term life insurance life insurance these functions to give protection to the insured within a certain period only. Life insurance is usually offered contracts for 5, 10, or 20 years, with a fixed premium and countless cheap.

Is recommended that you choose this kind of life insurance if you give priority to the future of your family especially children education. Suitable for those who have a need for a huge insurance costs but have limited financial ability.

If you choose this, some life insurance benefits are:

You as a policyholder get freedom in determining the magnitude of the premium in accordance with your abilities.
Sum assured that you can get as the policyholder could reach billions of dollars. That is, if the insured dies during the contract is still active, then the family of the insured will get a sizable sum assured.
Meanwhile, the lack of this type of insurance are:

The insured may lose money on premiums paid or premium charred so the contract is complete when not experiencing health problems or died until the contract is completed.
2. Whole life insurance (Whole Life Insurance)
Lifetime kind of life insurance or whole life insurance provides protection for a lifetime, even though insurance companies typically limit the benefits of the protection to just 100 years.

Life insurance is recommended for those who have no dependents and wanting more benefits than just compensation for the death, or you are interested in the idea of long-term savings. So, if you want the protection of inhabitants at a time savings for emergency needs such as paying hospital bills, you can consider to buy this type of life insurance policy.

The advantage of this type of insurance are:

Policyholders it is possible to get the cash value of the premiums already paid.
When you as the insured could not pay the premium installments periodically, you can use the cash value of the premiums already paid to pay the premiums.
Insurance premiums you have paid will not be forfeited if no claim.
When the contract ends, the sum assured will be paid at all.
Meanwhile the drawback is:

Greater than the premiums of life insurance premiums in futures, even can reach more than two times. The reason of the high premium it is because life expectancy of society Indonesia only 65 years for men and 71 years for women, so the possibility of insurance claims before the protection ended higher.
The cash value of the total premium paid is not too large because the flowers for this insurance is usually only by 4% per year, and this figure has not cut taxes.
3. Life insurance Dwiguna (Endowment Insurance)
Types of dwiguna life insurance or endowment insurance in accordance with his name is insurance that has two benefits, namely life insurance as a forward at the same time savings. This means that you as a policyholder can get the cash value of insurance premiums that you have paid in the form of sum assured if the insured dies within a certain period in accordance with the policy of the insurance policy in question and also be able to draw an insurance policy in a certain time before his contract ends.

This type of insurance is recommended for those who want to ensure the availability of more funds for the education of children, want to have funds for unexpected needs in the future, and want to have a retirement fund.

The advantage of this type of insurance are:  Choosing Car Insurance
As already described above, you can claim this life insurance policy before the contract expires, for example to fund your child's education. But withdrawals can only be made once in a period of several years in accordance with the agreements that have been made.
If for example you as the insured is still alive when the time period expires, you will get the entire sum assured.
Meanwhile the drawback is:

Because this type of life insurance has two benefits, like combining the benefits of futures with life insurance whole life insurance, so the premiums is large enough, it could reach millions of dollars per month.

4. Life Insurance Unit Links
Life insurance types of link units combine the benefits of insurance with investment, and most often offered by an insurance agent. If you are interested in investing but didn't understand about investing

Importance of Insurance education for Children

After getting married, having a child was the dream of the married couples. Presence of the fruit in the hearts of the family became a source of joy and bring happiness that is priceless. But as a parent, having a child requires you to be more responsible for his life. You must ensure the health, security and education for your child's future. Doing this is not easy, because along with the increasing cost of living nowadays, so all those things are met, would provide a challenge that is not easy to do.

There is no need to be questioned again, this time on education plays an important role in the life of the child in the future. By getting a good quality education, the chances of your child to have a bright future. The importance of education encourages each parent, including you will definitely want to let your children get the best education. But the cost of current education is very high, each year the increase in the cost of education in Indonesia is quite significant. Then, how do you carry out your responsibilities with the all-round situation it's difficult like this? One thing that will really help you in overcoming these problems is an insurance education.

Insurance Education Ensures The Future Of Children

There are many insurance products offered to the public at this time. As a good parent, You naturally think about the future of your children. Because of that, insurance education is perfect for you. The existence of insurance education, you won't need to headache thinking of ways to pay for your child's education. Because as its name implies, this type of insurance covers this one field of education that will be taken by your child. Often the difficulty comes when you have to pay for the base of your child's education. When the transition from PRESCHOOL to ELEMENTARY SCHOOL, elementary school to junior high, JUNIOR HIGH to high school, and high school to the PT, the amount of money that must be paid is quite expensive, so you need to have a mature about it. Insurance education to assist you in preparing for it. That way, your child is ascertained will be educated until College.

Insurance education for your child will be registered on behalf of the father or mother who became the main breadwinner in the family. Every month there is the cost of the premiums to be paid that the magnitude is set upon some consideration by insurance companies. We recommend that you register your child to insurance education when she was a child, due to its age, the smaller the smaller the premium is also payable. In addition, it was the age of parents is also into consideration in the calculation of the cost of the premium. If you register the insurance education while you are still at a young age, insurers will assess that you have serious intentions to provide education for your kid to College and chances are you'll pay a premium for a long time.

Another advantage of insurance education for your child is the cost of your child's education will continue to be paid even though you have already died and did not pay a premium again. This is very important, considering no one knows when his life will end. Party insurance companies will set up all the expenses related to your child's education. They will take into account the range of the cost of your child's educational needs and consider the needs of load into Your dependents as well as the cost of premiums you have to pay.

 

This Type Of Insurance Education

In education, there are two Insurance products offered, namely the traditional education and insurance education insurance link units. Traditional education in insurance, you will get only the collateral insurance of target funds will be liquid if you died. However, with the insurance unit of education links, if you as the insured dies, your child will still receive the sum assured and also results of its investments.

Insurance education links unit not only provides insurance but also provides the opportunity of investment. Most insurers recommend You to choose your insurance product link units. It is clearly visible from the simulation of difference of traditional education and insurance payments unit links they provide. Their simulation of traditional education, the insurance will be more expensive than insurance unti education links. Premium payment period is longer, but the benefits and money coverage obtained is smaller than the unit links

Not just a matter of education and their children's future, but a lot of things that should be well thought out and well prepared when you've entered the world of the family. You should be able to organise all aspects of your family life ranging from small to large and from a planned to a spur of the moment.

When you've been married, organize finances became a very important thing. Because you should always be ready in any condition that could happen at any time. Have insurance be the solution for you so you can become a reliable family financial manager. By having insurance, you're protected from a wide range of possibilities that could happen at any time, such as sickness, accident, accidents, and besides the insurance could also be intended to invest.

Choosing Car Insurance

For the safety and comfort of road users -and around you- when you drove the car on the road, it is recommended that you have car insurance

Choosing Car Insurance

 So you will avoid the problems of unwanted, especially concerning large expenses. Follow some of these tips to help choose the type of car insurance you need.

Note clausa. Generally there are two types of car insurance, which is a total loss and all risk. Total loss only reimburse the cost of the vehicle is lost, whereas all risk cover damage to the car when you crash into another vehicle and also third parties. With the value of higher premiums, the insurance all risk you can add cover riots, floods, and earthquakes. And, some insurance companies such as ACA or OTO Guard is equipped with a 24-hour towing service, so you can be ready to help whenever and wherever you are.

Calculate the value of the premium and discount. When selecting the right insurance for the vehicle
You, note the value of the premium and pieces that you can be. For example, for the value of all risk premiums, ranging from 2.8 - 3.5% of the value of your vehicle, and usually you can get a premium discount of up to 15%. But keep in mind, whether the price cuts reduce the number of facilities that you can? Even if you get a low premium, but at the time of the crash, instead complicate your insurance, you should not choose a (more) expensive but easier for you?

Checks workshop colleagues. Each car insurance company -where shoulder has had a working relationship with the body repair workshop. Then, when you want to make a claim, the insurance company usually offers several options to policyholders workshop. Instead, before you put the vehicle into the workshop, review the first, and look at how they work and the quality of workmanship. Thus, after the car was left there for repair, you will not be disappointed with the results.

Pay attention to the reduction of the value of the vehicle. For those who want to pay the premium value that is lower, you may deduct the value of the vehicle up to 5% of the premiums offered. However, it should be noted that if it is done-eg, when your vehicle can no longer be repaired or replaced from the loss of value of the company remains on a contract basis at the beginning.

10-year-old vehicles. For vehicles that have been aged 10 years or older can only be covered by insurance total loss. Insurance risk does not apply to all such vehicles. Premium value ranges from 1.8-to 2.2%.