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Getting Referrals
Referrals A substantial part of your business can come from referrals. The key is to provide extraordinary customer service and educate your clients and influencers to this fact. You must actively cultivate referrals; otherwise you’re just...
Key To Success ... Work Hard At Working Smarter
Getting more done with less is an art,
It’s a quality requiring much heart,
But I must confess
How I turned failure to success
Was to work both hard and work smart.
I’ve heard two schools of thought when it comes to achieving maximum...
Taming the eBay Search Engine
If you know what you’re doing, you can quickly find what you’re looking for on eBay – and the more you know about how buyers find you, the easier you’ll find it to be found. Here are a few golden searching rules. Be specific: If you’re searching...
Tax Strategies for Those with a Home or Small Business
These are some tax strategies frequently overlooked by many tax preparers. Keeping up with the many tax law changes that are made each year is quite a job. You can help yourself and your accountant by making yourself familiar with how some of these...
Your Customers Are More Than A Number
“Next!” Have you ever been waiting in line when you heard that inviting call bellowed over the counter? Inevitably, when you finally are “next,” the person waiting on you is looking at you with disdain waiting to hear what problems you’re going to...
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Nine Ways To Lower Your Auto Insurance Costs
Nine Ways To Lower Your Auto Insurance Costs
You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage is you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs.
1. COMPARISON SHOP. Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance department (phone numbers are on back page). You can also check consumer guides, insurance agents or companies. This will give you an idea of price ranges and tell you which companies or agents have the lowest prices. But don't shop price alone. The insurer you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of insurers to get a feeling for the quality of their service. Ask them what they would do to lower your costs. Check the financial ratings of the companies too. Then, when you've narrowed the field to three insurers, get price quotes.
2. ASK FOR HIGHER DEDUCTIBLES. Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%. 3. DROP COLLISION AND/OR COMPREHENSIVE COVERAGE'S ON OLDER CARS. It may not be cost-effective to have collision or comprehensive coverage's on cars worth less than $1000
because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of cars. 4. ELIMINATE DUPLICATE MEDICAL COVERAGE'S. If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto policy. In some states, eliminating this coverage could lower your personal injury protection (PIP) cost by up to 40%. 5. BUY A "LOW PROFILE" CAR. Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs. Write to the Insurance Institute for Highway Safety, 1005 North Glebe Road, Arlington, VA 22201 and ask for the Highway Loss Data Chart. 6. CONSIDER AREA INSURANCE COST IF YOU ARE MAKING A MOVE. Costs tend to be lowest in rural communities and highest in center cities where there is more traffic congestion.
7. TAKE ADVANTAGE Of LOW MILEAGE DISCOUNTS. Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year. 8. FIND OUT ABOUT AUTOMATIC SEAT BELT OR AIR BAG DISCOUNTS. You may be able to take advantage of discounts on some coverage's if you have automatic seat belts and/or air bags. 9. INQUIRE ABOUT OTHER DISCOUNTS. Some insurers offer discounts for more than one car, no accidents in three years, drivers over 50 years of age, driver training courses, anti-theft devices, anti-lock brakes and good grades for students.
About the Author
Copyright © 2005 ISecureDbet. Get more finance tips and debt management advice from http://www.isecuredebt.com and visit the new credit secrets report http://www.isecuredebt.com/debt-free-book.html
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