Insurance Archives - BOLLYWOOD SURKHIYAN

How to Arrange Cheap Auto Insurance?

Cheap Auto Insurance quotes instantly, and you can choose from the rates that you prefer. See how the inexpensive coverage you need is provided at lower rates than found virtually anywhere else in the country. Cheap auto insurance which offers good protection often seems like a dream too good to be true. People don’t believe in getting cheap products nowadays as the inflation rate rises significantly in every part of the world.

Cheap auto insurance is easy to come by, even for those with less than excellent driving records. However, you should understand that if you are in an accident, your car insurance rates will likely rise, and you may have high out-of-pocket expenses to pay. Cheap auto insurance has a scary ring to it. The first thing that comes to mind is that of the level of cover it provides.

Companies are vying for your business and try to give good discounts to keep you with their company. You can get cheap auto insurance when you combine policies together with one company. Companies frown on an expensive, fast sports car with a teenager behind the wheel. Don’t dangle temptation in front of your teen.

Car insurance comparison has been around since 1800’s when in United States insurance providers started writing one of the first motor insurance policies. As long as there is more than one insurance company, there will be always car insurance comparison. Car Insurance Rates will help you find the best and cheap auto insurance. Car insurance companies will pull your credit report to help determine your rates, so you can minimize your insurance costs by cleaning up your credit. Once you have your free report, look through it carefully for errors and negative items that you could easily fix.

Car Insurance is a requirement in most parts of the country, making it the most common insurance purchased in the United States. But for new drivers, shopping for car insurance can be an intimidating experience. Car insurance company plan on these and statistics prove it to be true, which is why they feel the need to charge outrageously high rates to 16-year old. Unfortunately, there’s not much even the most responsible 16-year old can do to prevent this classification, but only at first. Certain famous insurance carriers follow a certain set of principles, which you have to follow. This would surely ensure you’re getting your perfect auto insurance rate. Certain options, like anti-theft devices, airbags and anti-lock brakes, may reduce your insurance costs because of discounts.

Accidents can’t be predicted by definition. If you want to be ready for unexpected events when you’re on the road, you need to have the best auto insurance. Accidents are generally purged after 35 months, depending up on the insurance company. Tickets, on the other hand can cause your premium to remain high for 5 years. Drivers who engage in these types of behaviors are high-risk, high-frustration roadsters who seldom consider the consequences of their actions and routinely disobey the laws of the road. This makes getting cheap auto insurance a challenge. Drivers and vehicle owners pay a specific amount of money to a provider on regular bases (monthly/6 months/Yearly). Payment rate is different for each person, and it depends on number of things such as your car, past driving record, credit score, location and etc. Drivers with a good credit score, good driving record and a safe car get cheap rates where everyone else gets higher rates, since they pose more risk. Usually rates also differ from one provider to another and the difference can be quite a bit.

Teens should also be insured on safer cars such as the family sedan, rather than a sports car. Teens can save a little off the premium by maintaining good grades or taking a driver education course which builds confidence and experience. If you do have your teenager put onto your current auto insurance, try to have your teenager classified as an “occasional” or “pleasure-use only” driver on the car rather than a “primary” driver. Instead of simply going with the auto insurance company with the cleverest advertisements, compare auto insurance quotes culled from a variety of auto insurance providers. Ask yourself similar questions to help you identify the type of car that best fits your life style along with the cheap auto insurance deal that best fits your budget. If you have a clean driving record and fit specific age requirements for cheap auto insurance, you should have no trouble finding a good deal. Ask about how insurance claims are approved and processed, and how quickly they’re paid. Look into each insurers’ financial stability (there are independent rating services that can help you with this).

Ask your insurance agent if the company provides any discounts for age and safe driving records. If you do have a safe driving record, then you are in the prime position for receiving cheap auto insurance. Ask your agent what discounts and payment plans the company offers. Never cancel your existing policy until you get anew policy or at least written binder. Compare quotes and choose your preferred auto insurance deal.

Online Reputation Control – Branding, Insurance, Or Blind-Luck?

In today’s world it is far too easy to be ignorant of your online reputation. It is even easier for it to instantly vaporize and let someone tear it into a barely recognizable brand that you will fess up to being involved with. Every blog, community site, customer review, or competitor has hundreds of different options to voice viewpoints and concerns against a company. If you haven’t done it already, start understanding how to use tools to monitor social media and take proactive steps to keep your business in working order.

Your second option is to ask the simple question:

Can this happen to me?

Yep it sure can.

As a case example, I pulled a local article from Washington CEO Magazine on the Top 100 Companies to work for in 2007. I pulled some of the names off the list and did a quick query in Google. Here are some of the headlines I found on the proper names of the “Top 100 companies:

Result 7 – Zillow – Google Headline “How Good are Zillow’s Estimates?”

“Zillow came within 5% of the price in a third of the transactions studied by The Journal. It was more than 25% off target on 11% of them. In 34 of the 1,000 transactions, Zillow was off by more than 50%.”

Our view: If you are a user or an investor of Zillow, you’ve more than likely been exposed to this article and several like it. How does it make someone feel that the Wall Street Journal (considered to be one of the most respectable news sources) is saying Zillow zestimates are 50% off?

Result 6 – Comcast – Google Headline “A Comcast Technician Sleeping on My Couch” A Comcast cable technician came to replace a cable modem and fell asleep while waiting for the customer service group. As of this article it was viewed: 1,219,303 times! (At 58 seconds long, that is A LOT of bad reviews for Comcast.) It had 714 comments.

Our View: Holy smokes Batman. 1,219,303 views! I don’t know any company that wouldn’t suffer a marginal impact to marketing, sales, and customer service numbers when a million different people have watched how lackluster Comcast support is.

Result 3 – Spokane Federal Credit Union Review – Citysearch Review – “I had an account with Spokane Federal for many years and I was never really that impressed, they pretty much just took care of what I needed and nothing more, overall I would say that they met, not exceeded my expectations”

Our View: Even though Spokane Federal Credit Union has plenty of coverage, it would be easy to bump off a lack-luster review saying they are nothing but mediocre.

Result 3 – Zango – PC Hell: Zango Removal Instructions – “Zango is a entertainment site with free access to videos, music, games, and other downloads. The site is free to all users, but is paid for by advertisements. Visitors are presented with an end user license agreement that they accept before downloading any content.”

Our View: Here is a Desktop Software company that has hordes of people using Zango gaming software, and every time someone Google’s their name you get “PC Hell – Zango Removal Instructions” thrown at you. If I bought a desktop system that had them pre-installed on it, you can bet that I would remove it in a heartbeat. I don’t need some casual gaming platform slowing down my PC while I need to number crunch my data or send an important e-mail.

It doesn’t make a difference of who you are (how big, or how little), this can happen to you.

It happens to Comcast and Zillow.

It also happens to the little guys.

If you look at this problem from a strictly numbers point of view, Comcast buys it’s own keyword of “comcast” from Google so that it can keep company branding and results at the top of Google. If I were to buy that keyword, it would cost roughly $1.25 per click, and there are 5500 estimated clicks per day on it (that is a daily budget of $6000 to $8000 per day on that keyword).

If Comcast is paying only $.25 per visitor for that keyword- imagine that those 1,219,303 video views cost Comcast a minimum of $250k in lost “clicks”, not counting how many customer service problems and public relations issues it causes.

Flood Damage Update – Top 10 Mistakes When Buying Flood Damage Insurance

What do you mean I’m not covered for flood damage? Unfortunately that’s what millions of homeowners are saying each year with shock and sometimes horror.

Of course they never thought it could happen to them, after all they don’t live in a flood zone. But nevertheless they experienced a record rain storm, sewage backup or county flood control failure. The good news was know one was injured, the bad news is they didn’t purchase the right flood insurance policy or worse – they had no policy at all.

To help you avoid this fate, here’s the top 10 mistakes most people make when it comes to buying flood damage insurance.

1. Assuming you need to live near a large body of water, a flood zone or low lying areas to benefit from flood insurances.

Most floods are caused by several different causes aside from living near a large body of water. For example, rain, snow or ice storms, hurricanes, and water or sewage backup, in addition to dam or other flood control failure and more.

2. Assuming your standard home insurance policy covers flood damage.

This is one of the biggest reasons why it’s so important to stay educated and up-to-date on insurance matters. Why? Because most people assume they’re covered by flood or water damage in their standard insurance policy. Surprise! You’re not.

The fact is most standard policies don’t cover flood or most water damage. For this you’ll need a separate policy or rider.

3. Assuming you can’t buy flood insurance if you’ve been turned down by traditional insurance companies.

You can buy flood insurance as long as your community participates in the National Flood Insurance Program.

4. Assuming all flood insurance is too expensive.

The average flood insurance policy costs as little as $353 a year for coverage.

5. Assuming Federal Disaster Assistance will pay for flood damages.

Federal disaster assistance doesn’t pay for flood damages. At best it can help to provide low interest loans if you qualify – and only if the President declares the area you live in a disaster.

6. Assuming you don’t need flood insurance if you live in a low to moderate risk area.

Almost 25 percent of all flood insurance claims come from areas with low-to-moderate flood risk.

7. Assuming you must purchase a full flood insurance policy.

You may qualify for the Preferred Risk Policy (a lower-cost flood insurance policy) that provides contents coverage beginning at $39 per year.

8. Not finding out what’s covered by Replacement Cost and what’s covered by Actual Cash Value?

It’s important to find this out to make the best informed decision of what kind of policy to purchase and who to purchase it from.

9. Assuming you’re covered from flood damage if you rent.

Your landlords policy only insures the building not your personal property. However, you can purchase an insurance policy for your personal possessions.

10. Taking The First Policy You Come Across.

The best method of buying the most coverage for the best price is to comparison shop at least three different companies. You may be surprised at the price and/or service difference. By taking the time to follow and remember these 10 guidelines you’ll avoid the mistakes many people make when buying flood damage insurance.