Getting the Best Auto Insurance Quote From an Insurance Agent

Using the services of an insurance agent can sometimes add more costs onto your overall auto insurance quote instead of reducing it. This is because auto insurance agents make their income from the services they offer you. The income that the insurance agent makes is added onto your overall quote in the form of fees and charges. Therefore the primary way that you can benefit from the services that an insurance agent has to offer is when the insurance agent offers you insurance solutions whose benefits surpass the cost of the fees and charges.

In order for you to get the best auto insurance quotes from the agent ask them to provide you with all the available information in regard to quotes and discounts that are available. Agents are not perfect and every so often they fail to remember certain discounts that you are entitled to. You would be taken aback at how many discounts you qualify for or you would qualify after you make a few changes.

Finally, play into the competition and the rivalry in the auto insurance industry. If you obtain two rival quotes from different auto insurance companies or agents that are almost similar in rate, terms and conditions, you ought to inform both companies what there competitor insurer or agent has quoted. Competition is very intense amid companies in the insurance industry and because of the competition the insurers or agents will do anything to outdo the competition.This will almost always play to your benefit if you play your cards right.

The Best CEO Insurance Plan

Credentials Don’t Solve Business Problems, Problem-Solvers Do

Some of the smartest people you meet may have credentials, and some may not have credentials. How many times have you met someone who has a degree/credential in one area, but is working in the complete opposite field? A hundred years ago, higher levels of education were available to the rich, predominantly. In today’s corporate arena, it is almost unheard of to hire someone that has no college degree. This shift has caused individuals to seek out degrees instead of learning how to solve real-life problems in the business world.

Some of the smartest “business decision-makers” have little or no credentials. Many of these are small business owners that are solving real business problems on a daily basis without the ‘latest and greatest’ credentials offered by the professional world. Just how important are the small business owners? The statistics give a more accurate depiction of this point. Consider the Small Business Administration’s statistic on private firms; small businesses provide jobs for over half of the nation’s private workforce, and small businesses are job creators accounting for over 99% of all firms (sba.gov).

Just think in your own mind, how many of those small business owners have great and recognized degrees/credentials. Most of the successful small business owners I know have no credentials and are well off. When hiring someone, it is not always best to hire someone that has the credentials, rather, hire someone that can solve real business problems and offers solutions.

Hire problem-solvers!

Mistake: Not Hiring Out Of The Box Thinkers

This point holds especially true when a business needs to grow. Don’t get me wrong though, all growing companies will need in-the-box thinkers to handle the monotonous tasks that need to be completed in everyday business activities. However, most often overlooked by hiring managers are the out-of-the-box thinkers that cannot only perform the job required, but a step further as well. A step further says that when business is transacted, all business activity is subject to improving upon. In our global economy, growing businesses cannot afford to ignore improving upon the company’s pre-existing business model. For example: an out-of-the-box thinker, in the course of their work would say, “wait a minute, there is a better way to handle this situation when it arises again…” instead of saying, “well, that’s not my job and I’m not paid to think about how to improve this business, it’s not my responsibility.” Most people that think like this feel like they have no duty to improve the business because improving the business will do them no good. On the contrary, I have worked in a company where good ideas are recognized and rewarded with compensation in the form of a bonus.

HR may assist in the administration of hiring, but only you know what and who is the best fit to obtain the position, and my guess, it’s the person that sees beyond their own box.

Management By Walking Around

Managers/Owners of a business can greatly benefit by this style: managing by walking around. Do a lot of professionals know about this style? Yes. Is it practiced as much as it should? Probably not. The most likely reason is because managers may think, ‘since the business world has gone mostly to electronic communication, walking around and giving “face-time” is inefficient and time consuming so why not send out a mass email to those that work under me?” Thinking this way will not only make your clients feel neglected and as if your time is more valuable than theirs, it will also create an environment of less accountability because you’re never seen by your employees.

In the long run, ignoring employees will yield unhappy employees.

Unhappy employees will yield no passion for their work.

No passion for their work will yield poor work product.

Poor work product will eventually lead to the downfall of the company.

No company means, no job and no paycheck. Trying to please everyone is impossible, but managing by walking around sure does help.

Solution: come out from behind the keyboard and at a minimum, be “seen” by employees and customers. For greatness to be achieved, management must provide an environment of greatness.

Where to Find the Best Homeowners Insurance Companies Online

Can The Internet Really Help You Save Money On Homeowners Insurance?

If you ever watch TV or browse the net, you have probably seen a lot of ads from competitive insurance companies. Most of these ads are for auto insurance companies, but a few home insurance companies slip in their message too. You may be so overwhelmed with these ads that you start to ignore them.

Who can blame you for becoming “advertisement blind”? After all, each company seems to loudly proclaim that their company has the lowest prices, best service, and best coverage. But keep a couple of things in mind.

  • All companies are not alike. Each insurer has their own guidelines and price charts. They also all have their own sets of discounts that may give some types of customers a much cheaper price.
  • There is no way for anybody to tell you which company will be best for you without some basic information about your home and your lifestyle.
  • The insurance market is quite competitive. Companies seem to use a lot of gimmicks to set themselves apart from the pack. However, the ditzy sales girl or cute little mascot may not really assure you that an insurer is really better.

My Experience With Comparing Homeowners Insurance Online

I actually dropped a policy from a very highly rated company with a fantastic record of customer service. Was it because I was unhappy with the service or rates? No, I was actually very satisfied with them.

I dropped them because they only provided homeowners insurance. I also needed to cover myself and a young driver on my vehicle. My car insurance rates got too expensive, and I needed to find an auto and home insurance company who would give me a good discount for bundling policies! I found a highly rated company with competitive rates, and I made the switch to save money on my total bill.

Again, the best insurer is really the best insurer for you!

Things To Consider About Home Insurance Companies

  • Of course, you will want to find a company with competitive rates. I do not know anybody who likes to overpay.
  • This leads us into the example I used above. Sometimes you will get the best deal by finding a company that will give you a discount for things that you are already doing or that you could do with little trouble. Some of the top insurers offer discounts for home safety features, fire or burglar alarms, upgrades, setting up automatic payments from your checking account, and for placing more than one type of policy with them. If you can take advantage of more than one of these price breaks, you can end up saving a lot of money.
  • Finding cheap homeowners insurance will not do you any good if they do not have your back when you need to make a claim! Check into the customer service record of any company you plan to use. Find out if they have a simple and fast claims service and friendly customer service people on the phone.
  • It is also simple enough to find out if the company has a good financial rating. You want to be sure that the company has the strength and financial means to pay claims when disasters strike. You can look at some third party verification services like A.M. Best.

Now, How Can You Find The Best Homeowners Insurance Online?

I have just listed a lot of different things to consider. You may feel a little overwhelmed, but I have a simple solution. I cannot give you one website or phone number though because the right answer will depend upon where you live, your home value, and many other things that are unique to you!

To get the best homeowners insurance deals, search for a form that lets you compare multiple insurance rates in one place. You can do this by performing a search on any of the major search engines like Google, Yahoo!, or Bing.

Look for 3rd party verification so you know the company participates in some sort of consumer protection system. For example, many insurance quote companies participate in the BBB online verification system.

Look for a secure system. You can tell if the system is secure if you see https:// (not http://) after you actually start the quote. The “s” at the end of the https tells you that the system runs on a secure server.

The quote forms should return 3 – 5 different quotes from different companies. Now that you have narrowed down your search, it is simple enough to check out a handful of insurers.

You will also get contact information for a professional that you can email and call with more questions. Be sure and make those people work for your business by answering all the questions you have. After all, when you buy homeowners insurance, you are probably buying it to cover your largest asset!