There is a 90% Chance That You Could Be Paying Less For the Same the Same Car Insurance

There is a 90% chance that the car insurance rate you have has changed in the last 30 days and you could be getting cheaper rate. Companies compete very heavily for new customers and fluctuate their rates, sometimes on a daily bases.

Many Americans are not aware that this goes on.

With technology increasing, major corporations have now put their rates online and so you never have to speak to a sales agent again. In 30 seconds you can find out and compare rates from all major insurance companies and find the cheapest rate free rate in one place. Even if its 2 a.m in the morning.

Because insurance companies change their rates daily, by the time you finish talking to a sales agent the rate has probably already changed and other companies have outbid the rate that you spent 30 minutes getting. New technology allows you to search all the major corporations with one click of a button so you can find out the daily insurance rates without having to call the company and ask.

Saving time is important as we are busier than ever, so now a quick 30 second search will let you know how much you can save on your automobile insurance. So, if you think or having a sneaky feeling that you're being overcharged and you haven't checked your rating last 30 days, then there is a 90% chance that you could be saving hundreds of dollars per year.

It's time to take advantage of the recession, and it costs nothing to check.

Get Affordable Auto Insurance For Teenagers

As per reports of the national safety council, young drivers as a group commit the majority of accidents compared to the number of accidents committed by other groups. Moreover, most of the violations related to driving under the influence have been committed by drivers of less than 25 years. These reports coupled with their lack of experience, higher rate of accidents & tickets, incidents of reckless & drunk driving, etc. have already branded them as high risk drivers. Naturally, insurers are cautious of dealing with applications of such teenagers and charge higher premiums compared to other drivers.

A common question asked by most of the people looking for coverage for teens is that when they have already been branded as high risk drivers. "What is the use of searching for low cost coverage?" However, the fact is that there are certain conditions in which one can find reasonably priced coverage, even for inexperienced motorists. Also, with enhanced competition amongst insurers and with some guided approach, the amount of premium for coverage plans can be reduced significantly for example if young motorists are able to maintain good driving records, they have good chance of paying a reduced amount of premium at time of renewal. Therefore it is always important to obey traffic laws and practice safe driving.

Some of the following items can help save on policies:

• Multiple Quotes: Comparison of multiple quotes offers the potential of saving on the cost.
• Driver course: Many insurers offer discounts to motorists who have passed a recognized driving course.
• Grades: A good student discount can save up to 20% on premiums.
• Higher Deductibles: The higher the deductible, the lower the premium and vice versa.
• Anti-theft and safety devices: Insurers offer savings to people who have installed safety and anti-theft devices in their vehicles, which reduce the possibility of theft, collisions and injuries.

All of these items can help lower insuring costs substantially. When comparing providers it is absolutely vital to inquire about all the discounts that are offered. If eligible for a combination of these, one can find their self insured at a great price.

What Cars Have the Best Car Insurance Rates?

When consumers shop for a car, they don't usually consider if the type of car they buy will affect their insurance rates. The type of car you buy actually plays a part in whether you pay a high or low premium. If you are looking to acquire a reasonably priced insurance policy with your new car, it is important to know what cars have the best rates.

The nonprofit public service organization, The Highway Loss Data Institute, (HLDI) is a group that assesses vehicles for the insurance industry to find out which cars are a high risk. By high risk, they mean cars that are most likely to be stolen, involved in an accident as the result of a collision, and have a high number of injury claims filed. When assessing the risk of theft, the organization will look at such as aspects as the number of doors a car has as well as the color of the car.

The HLDI has found that "four door cars have a 93% less chance of having a claim related to theft than 2-door cars of the same make and model." As well, a report by the National Insurance Crime Bureau (NICB) found that "cars that have the least claims filed for theft include the Buick LeSabre, Volvo V70 Station Wagon, and the Mercury Grand Marquis."

According to HLDI, the lowest injury claims filed are large vehicles such as large cars, pickup trucks, and sport utility vehicles (SUVs). Many car retailers report that the following cars are the least expensive to insure:

- Chrysler PT Cruiser 4dr Wagon
- Jeep Liberty Sport 4WD 4dr SUV
- Saturn L300 1 4dr Sedan
- Volvo S40 4dr Sedan
- Saab 38600 Linear 2.3t 4dr SportWagon
- Buick Century Special Edition 4dr Sedan
- GMC Safari SLE AWD 3dr Minivan
- Dodge Caravan SE 4dr Minivan
- Saturn ION 1 4dr Sedan
- Pontiac Sunfire 2dr Coupe

Vehicles that are among the least expensive for collision claims include:

- GMC Safari 4-wheel drive
- GMC Yukon XL 1500 4-wheel drive
- Ford Excursion 2-wheel drive
- GMC 2500

Vehicle Models with some of the least expensive injury claims include:

- GMC Sierra 2500 2-wheel and 4 wheel drives
- Chevrolet Silverado
- GMC Yukon XL 1500 4-wheel
- Chevy Tahoe 2-wheel

A few of the ' Top 2009 Safety Pick Cars' as published by the Insurance Institute for Highway Safety include:

- Large Cars: Acura RL, Audi A6, Cadillac CTS, Ford Taurus, Hyundai Genesis

- 4-door models built after 11/08, Lincoln MKS, Mercury Sable, Toyota Avalon, Volvo S80

- Midsize Cars: Acura TL, Acura TSX, Audi A3, Audi A4, BMW 3 series 4-door models, Ford Fusion 2009-10 models with ESC (optional in 2009, standard in 2010)

- Honda Accord 4-door models, Lincoln MKZ 2010 models, Subaru Legacy, Volkswagen CC

- Small Cars: Honda Civic 4-door models (except Si) with optional ESC, Mitsubishi Lancer with optional ESC, Scion xB, - Subaru Impreza, Toyota Corolla with optional ESC, Volkswagen Rabbit 4-door models, Volkswagen Jetta, Volkswagen Passat

When determining insurance premiums, insurance companies will look at a car's make, model, safety record, and rate of theft. Knowing these statistics will help you choose the best car with the best insurance rate.

Instant online car insurance quotes - online provider arranges auto insurance policies and and services all auto insurance needs.

Insurance Quotes - Save Hundreds of Dollars, Prevent Financial Disaster

Insurance quotes are a terrific way to help lower your monthly expenditures. I used a quote service earlier this year and saved $590 on my homeowners and car insurance package.

In today's economy millions of people have lost their jobs. Millions more will lose jobs as the economy worsens. Millions of unemployed persons have stopped looking for new jobs, which skews the national unemployment figures, and makes the unemployment rate appear smaller than it actually is.

Some people have had to accept pay cuts just to keep their jobs. Add to that the number of unemployed people who just closed an economy-sensitive business.

I have a good friend who is a home designer. She has been in business for over 25 years, and was a nationally-renowned designer. In 2008, her business stopped like turning off a water faucet. She has just gone out of business. Will her business ever come back? No one knows.

Colleges and universities across America just finished commencement ceremonies, where tens of thousands of young graduates got their degree and a handshake. However, job prospects look bleak for this graduating class. According to an ABC News story, last year over 51% of graduates had a job when they left school. This year, the number is only 20%. But they still live in homes and drive cars every day.

An increasing number of people are allowing their insurance policies to lapse, or they are canceling them outright. They simply made a decision that they cannot pay the premiums anymore.

What a horrible and tragic decision! Cancel your cell phone...your cable TV...your internet connection...your gym membership...your electrical service. But don't go without insurance!

"Cancel my home's electrical service??" I hear you sputter. "Have you lost your mind?"

Listen to me. You could temporarily live without electrical service in your home and your life would not be destroyed. But just have ONE insurance loss without coverage, and your financial life could easily be destroyed for the rest of your life.

A fire could wipe out your home or business. An auto accident could destroy your vehicle. If the accident is your fault, the claimant could sue you for damages, which could run into the hundreds of thousands of dollars.

In every example shown above, those people have homes, cars and businesses. In the area of auto ownership, every state in the USA and every Canadian province requires auto insurance by law. So, if you cancel your auto insurance, not only are you without coverage, but you are also committing a misdemeanor in most jurisdictions.

In addition, if your home, business or vehicle is financed, your lender requires you keep Property coverage on the property at all times. If the lender finds out that you have canceled your coverage, they likely have the right to declare you in default on your loan, and require payment of the balance. They could repossess your car, home or business. At the very least, they could purchase coverage on your car, home or business property for the loan balance and charge you for it. This is called "forced-placed coverage," and is very expensive, inferior coverage.

Before you make a choice to cancel your insurance policy, stop and consider getting insurance quotes that could lower your insurance premiums.

The process of getting insurance quotes is simple and IT COSTS YOU NOTHING! All you have to do is go online and use the search term "Insurance Quotes." You'll find hundreds of quote websites, all eager to get that quote for you.

Simply fill out an easy information form, giving the quote services details about what you want to insure and submit the form. Within minutes, you'll begin receiving contacts from agents and insurance companies who want to compete for your business. Make sure that the coverage quoted are the same, and choose which vendor offers the best deal. Most times, the agent will do all the paperwork for you if you are switching from one company to another. Then, choose your new insurance company and breath easier with YOUR SAVINGS!

My Insurance Quote website will get you great insurance quotes and also give you valuable claim strategies if you have a loss. You have nothing to lose and everything to gain. Think like a claims adjuster! No other insurance quote website can give you great rates AND claim strategies that WORK EVERY TIME!
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A Cheap Way to Generate Good Leads Quickly

Recently an adviser by the name of Chris sent me an e-mail asking me why I don't focus on more practical methods of prospecting. He went on to state" if I had money for a radio show I would not need your help." I got to admit he was dead on. Those of us on the marketing side of the business have degraded to the point where we are just as out of touch as the home office. Open up any trade journal that focuses on the insurance market and one is sure to find page after page of marketing companies stating they have the secret system for making millions in insurance. All you have to do is give them a couple thousand dollars and the marketing company will let you in on the secret. The word snake oil comes to mind.

Here is an effective post card system that will generate quality leads and won't cost half as much as most lead systems out there.

The first step is get a list of business owners from your cities county records. This is free information that is available to anyone. This is where list brokers get their information and try to sell it to you. Scan the records for female names. A lot of businesses are owned by woman or at least a husband wife team. You want to send your mail to the woman. Most financial institutions market to men. This is a big mistake.

Step two send 1,000 post cards out to the business owners on your list. The post cards are going to be in black and white and sent out via standard mail. There are a lot of companies that will print and mail out the cards for you for a price point of .40 cents each. This means your total net cost is $400. Make sure the content is emotional. Let me give you an example. This post card can save your business.

If the key woman of this business dies so does the business and the family that built it. Call now for your free quote. You must have key woman insurance to cover all debts incurred by the company. A simple 2 minute phone call can save your loved ones hours of pain. Use news paper font. Make it as emotional as possible. Your goal is to get the reader to think about key woman insurance and that's it.

If only 5 percent of the business owners you mailed out to call you this works out to 50 qualified leads. That works out to 50 appointments with business owners that need key woman insurance. Now a more realistic rate of return is 3 percent. A dismal 3 percent rate of return will yield 30 qualified leads. Out of 30 qualified leads you should be able to close five deals. Remember key woman and key man insurance policies tend to have higher face values than traditional policies. Your commissions on 5 U.R.L policies with a face amount of three hundred thousand should should cover the 400 dollars spent to generate these leads.

So there you go an effective method for generating qualified leads that does not revolve around being a guest on the today show or having your own radio show.

Thank you Chris for bringing me back to reality.

Mike Dowdy has been responsible for a number of enterprise-wide online marketing programs for companies like Cari.net, Aplus.net, Matrix Direct and many other internet and direct marketing based companies. His Methods include search engine marketing,blogging in addition to campaign work in online advertising and advising on e-mail marketing.He teaches agents how to generate leads so they can live the life of their dreams. Down load your free report that reveals the secrets to lead generation that the other guys charge hundreds for at http://www.life-leadz.com

Home Warranty Insurance - Learn Home Warranty Insurance Before Buying a Home From an Owner Builder

Are you about to buy a new home from an owner builder? Are you about to buy a home that has been built or renovations by an owner builder within the last six years? Are you paying more than $12000.00? Do you know about Home Warranty insurance?

Owner builder home warranty insurance is a compulsory insurance required by the Home Building Act 1989 and is to the benefit of you the purchaser. Basically it is illegal for an builder to enter into a sale contract without a valid certificate of your home warranty attached to the contract, unless six years has passed since the date of the building/ renovation completion.

If you are purchasing a new home from an builder it is vital they disclose this at the point of sale, as well as inform you that an Builder Permit was issued in relation to the work they did, and that warranty insurance be taken out. Legally, any builder that is issued with an owner builder permit who sells their property within six years of completion MUST, under law, take out home warranty insurance.

So why is it so important to you the purchaser?

In the event of a building problem or building defect within the six years from the date of completion your insurance will cover you for compensation due to bankruptcy, death or disappearance of the builder. The home warranty insurance policy will also extend to the costs of alternative accommodation, removal and storage costs if reasonable and necessary.

Remember, that if builder does not disclose this and insurance for your warranty home is not arranged then the purchaser can void the contract of sale prior to settlement and an owner builder can face large penalties.