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.

Business Basics - Purchasing Shop Insurance For Your Business

As a business owner, purchasing shop insurance is one of the most important decisions you will make. Protecting your business from potential loss and liability can be costly, but appropriate coverage is a worthwhile investment.

Businesses are vulnerable to damage from natural disasters, theft, and lawsuits from both employees and customers. An important step in determining what type of coverage your business needs is to understand what coverage is available.

In cases of natural disasters such as fire or flood, all assets and valuables held by the company can be insured by shop insurance to ensure maximum coverage if the worst should happen. Customer and employee theft can also be covered, and cash that is kept on site can be insured as well.

All businesses that hire employees must carry coverage that protects them from claims that arise from accidents or illnesses that occur during the course of employment. If you plan on hiring help, this type of insurance is required by law.

Another area of potential liability is claims that customers make in the event of injuries that occur on the premises. Slip and fall injuries, cuts from glass or metal shelves, and injuries that result from tripping over boxes left in the aisles are all examples of possible claims. Your company must be adequately covered in the event of these types of losses.

Premiums for shop insurance are based on the amount and types of coverage required for each business. Shopping for the best rates will help keep the cost of protecting your business to a minimum.

Insurance brokers who have experience in your industry can help determine what coverage is best for the unique needs and risks of your business. Many insurance companies offer multiple policy discounts. Compare the policy details and rates for several different companies, paying close attention to what is covered and what the policy limits and exclusions are.

Are you a member of a local business group or trade association? If not, you may want to consider joining one. Often one of the benefits of belonging to such organizations as the Chamber of Commerce is that insurance policies can be purchased at group rates. Group rates can be significantly less than the cost of purchasing individual policies.

Trade journals or business publications specific to your industry can be a great resource for determining what coverage your business may require. Networking with the owners of similar businesses in your area may also be beneficial.

A little research into trends in your industry may prove to be valuable when making the decision about shop insurance for your business. If there have been recent lawsuits against businesses that are comparable to yours, review the settlements. What policy limits would be sufficient to cover the loss if your business faced a similar lawsuit?

Purchasing shop insurance is one of the most important decisions you will make when laying the foundation for the success of your company. Investing time in researching the best policies for your business will help to ensure that your company will be properly protected from potential loss.