Three Top Life Insurance Companies
Searching for the right kind of life insurance policy from a great Insurance Company can never be easier than today with the invention of the Internet Search. More and more people in the society today have come to realize that getting a policy from a renowned Insurance company is important and essential. Here are some of the Top life insurance companies to share with you,
1. ING Limited is one of the world's leading fund managers, life insurers, and superannuation providers.
-A wide range of products and services are offered which are facilitated by a vast network of financial advisors and institutions.
- ING is one of the 20 largest financial Institutions in the world with clients spread across the world in Europe, USA, Latin America, Asia, Australia and Canada.
- World Wide ING has grasped a net profit of EUR 9 Million in 2007, which is an increase of 60% of net profit from 2003.
- As one of UNICEF'S biggest international corporate partners, ING contributes to the development of the educational programs in developing countries supported by the Millennium Development Goal of the United Nation.
-As the world's largest real estate business, ING Real Estate's play a lead role in sustainability by anticipation of greater demand for sustainable real estate projects by its clients (which include governments, municipalities, tenants and investors)
2. ZURICH Financial services Limited is a member of the Swiss based worldwide Zurich Financial Services Group.
- It offers general Insurance solutions to commercial customers, and at the same time, it also provides life risk and Investment solutions to corporate and personal customers.
- It is an insurance based financial services provider with a global network.
- Zurich offers choice and flexibility through a strong suite of business and personal life risk management solutions. Personal risk solutions include life, trauma and disability insurance.
-This company also offers numerous investment solutions and funds management solutions to suit different clients' needs.
- It is the only insurer to be ranked with 5 star excellent rating over four consecutive years.
3. AIA (American insurance Association) Group is the leading pan-Asian Life insurance organization which provides consumers and businesses with products and services for life insurance, retirement planning, health and accident insurance as well as wealth management solutions.
- AIA is the leading property-casualty insurance trade organization, representing some 350 insurers writing on for $ 120 billion in premium each year.
- AIA serves over 20 millions of customers in the region with the help of its extensive network of 250,000 agents and 20,000 stuffs across 14 geographical markets.
- Provide innovative and flexible approach of live insurance by combining different types of life cover within a single policy, tailoring different individual needs.
- Provide quality customer service by having solid partnerships with clients and customers.
- AIA strength lies in their ability to lead by forging constructive solutions to industry issues. AIA listens to the ideas and opinions of their customers, companies, regulators, and business leaders to remain sound in this insurance industry by melding the best of what are needed.
For more information about life insurance information and top life insurance companies, visit LifeInsuranceEssentials.com
Article Source: http://EzineArticles.com/?expert=Jaden_Jones
Saturday, November 28, 2009
Wednesday, November 25, 2009
Top 10 Things You Must Know About Life Insurance
Top 10 Things You Must Know About Life Insurance
The more you know about how your life insurance works, the easier it is for you to seek for the right insurance plan. The more research you have made on life insurance policies, the better for you to avoid any possible pitfalls when it comes to insurance purchase.
Here is a list of 10 key things on life insurance which everyone should be aware of,
1. Shopping around save money
It definitely pays to shop around because premiums vary widely across one Insurance company to another. Getting yourself equipped with the necessary insurance policy information will facilitate your searching for the best optimum Insurance plan.
2. Just get what is needed
Make sure you are not under insured because you are unlikely to get the needed benefits if you are under-insured. Also ensure that you do not over-spend on life insurance because buying more than what you need is a waste of money, just get what you believe is sufficient.
3. What happen in the event of delinquent payments?
You are normally given a grace period of 30 days to make payment on your premium. However if you have not paid within the grace period, your policy will lapse. In the case of permanent insurance policy, if you are late on your payment, your cash value amount will be deducted accordingly by your number of delinquent days.
4. What is the best age to get your Insurance?
The younger you are, the lower your life insurance premiums will be. The reason is because your risk of dying is lower when you are younger.
5. The healthier you are, the better the rates
Healthy people tend to get the best deals when it comes to life insurance.They will be able to get a better rates as compared to those with health problems, e.g, smoking, being overweight or with heart disease.
6. Is the result of my medical exam crucial?
The status of your medical exam results will determine what kind of Insurance rates you will be offered by the insurance company. Your height, weight, health, life-styles are all taken into consideration.
7. Will having more than one policy cancel the other one out?
Not at all. If you have a credit life insurance policy and a whole-life insurance policy, and you paid all the necessary premiums, both policies will pay out according to the initial terms of the policy. The credit life policy will pay off your credit card balance and the death benefits will be paid out on your whole life policy.
8. Can I buy a life insurance policy on someone else?
Yes, if you have insurable interest for that person, normally for a close relative or friend, you can buy insurance for them. However, the official stipulation here is that that person must know about it.
9. Review your coverage regularly
Changes in your life signals the need for a review of your overall financial plan. Always ensure that your coverage is intact with the changes you have gone through such as marriage, birth of a child, impending retirement, retrenchment, promotion have effect on the insurance coverage that you may need.
10. Compare the ratings granted on your finalized list of Insurance companies.
These ratings are provided by several rating agencies such as S&P and Moody's. Choose a company with higher rating which has more renowned reputation and consider for their better services and fast claim processing.
For more information about life insurance rates and life insurance companies, visit LifeInsuranceEssentials.com.
Article Source: http://EzineArticles.com/?expert=J.J._Yong
The more you know about how your life insurance works, the easier it is for you to seek for the right insurance plan. The more research you have made on life insurance policies, the better for you to avoid any possible pitfalls when it comes to insurance purchase.
Here is a list of 10 key things on life insurance which everyone should be aware of,
1. Shopping around save money
It definitely pays to shop around because premiums vary widely across one Insurance company to another. Getting yourself equipped with the necessary insurance policy information will facilitate your searching for the best optimum Insurance plan.
2. Just get what is needed
Make sure you are not under insured because you are unlikely to get the needed benefits if you are under-insured. Also ensure that you do not over-spend on life insurance because buying more than what you need is a waste of money, just get what you believe is sufficient.
3. What happen in the event of delinquent payments?
You are normally given a grace period of 30 days to make payment on your premium. However if you have not paid within the grace period, your policy will lapse. In the case of permanent insurance policy, if you are late on your payment, your cash value amount will be deducted accordingly by your number of delinquent days.
4. What is the best age to get your Insurance?
The younger you are, the lower your life insurance premiums will be. The reason is because your risk of dying is lower when you are younger.
5. The healthier you are, the better the rates
Healthy people tend to get the best deals when it comes to life insurance.They will be able to get a better rates as compared to those with health problems, e.g, smoking, being overweight or with heart disease.
6. Is the result of my medical exam crucial?
The status of your medical exam results will determine what kind of Insurance rates you will be offered by the insurance company. Your height, weight, health, life-styles are all taken into consideration.
7. Will having more than one policy cancel the other one out?
Not at all. If you have a credit life insurance policy and a whole-life insurance policy, and you paid all the necessary premiums, both policies will pay out according to the initial terms of the policy. The credit life policy will pay off your credit card balance and the death benefits will be paid out on your whole life policy.
8. Can I buy a life insurance policy on someone else?
Yes, if you have insurable interest for that person, normally for a close relative or friend, you can buy insurance for them. However, the official stipulation here is that that person must know about it.
9. Review your coverage regularly
Changes in your life signals the need for a review of your overall financial plan. Always ensure that your coverage is intact with the changes you have gone through such as marriage, birth of a child, impending retirement, retrenchment, promotion have effect on the insurance coverage that you may need.
10. Compare the ratings granted on your finalized list of Insurance companies.
These ratings are provided by several rating agencies such as S&P and Moody's. Choose a company with higher rating which has more renowned reputation and consider for their better services and fast claim processing.
For more information about life insurance rates and life insurance companies, visit LifeInsuranceEssentials.com.
Article Source: http://EzineArticles.com/?expert=J.J._Yong
Thursday, November 19, 2009
Compare Insurance Quotes Online - How to Get Free Fast Quotes Online to Find the Best Deal By Erik Stump Platinum Quality Author
Compare Insurance Quotes Online - How to Get Free Fast Quotes Online to Find the Best Deal
By Erik Stump Platinum Quality Author
Insurance companies are commercial ventures that operate on profit motive. Just as other businesses offer better deals to their customers when the going is good, insurance companies too offer high coverage at lower premiums when they are earning high profits. Insurance fraud increases the outflow of insurance companies. This in turn reduces their profit which in turn leads to an increase in premium. This is one factor that is beyond your control. You may not have participated in any insurance fraud yourself but you will still have to suffer its consequences- increase in premium due to lower profits of insurance companies.
In such a scenario, switching insurance companies can be very profitable. However, you will have to make sure that you deal with a company that is not charging high premiums. Quality of service and nature of coverage differs from one insurance company to another. In such a scenario, you should be in a position to compare the various deals offered by different insurers and choose the cheapest one. Only then can you be certain that you have got the best deal.
Online multiple quote comparison websites fulfills all these objectives along with certain additional benefits. These web sites help you find quotes very quickly. The process of submission of information and obtaining the quotes can be completed in a span of a few minutes, provided you have the required information in your hands. In any case, the actual time taken by the website to provide the estimates is very less.
The quotes are offered for free without any restrictions, obligations or complications. You provide information required by the website and you get the quotes almost immediately. You need not submit your credit card number or provide any private confidential information. You are not obligated to get insurance any particular insurer as well.
The estimates are available with no strings attached and this really means with no strings attached. You can make use various other blogs and journals on the web to verify the quotes obtained. You can even contact your insurance agent. Once all this is done, you just have to choose the best possible deal.
It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.
A good site to compare insurance quotes online can be found here:
Cheap Insurance Quotes
Article Source: http://EzineArticles.com/?expert=Erik_Stump
By Erik Stump Platinum Quality Author
Insurance companies are commercial ventures that operate on profit motive. Just as other businesses offer better deals to their customers when the going is good, insurance companies too offer high coverage at lower premiums when they are earning high profits. Insurance fraud increases the outflow of insurance companies. This in turn reduces their profit which in turn leads to an increase in premium. This is one factor that is beyond your control. You may not have participated in any insurance fraud yourself but you will still have to suffer its consequences- increase in premium due to lower profits of insurance companies.
In such a scenario, switching insurance companies can be very profitable. However, you will have to make sure that you deal with a company that is not charging high premiums. Quality of service and nature of coverage differs from one insurance company to another. In such a scenario, you should be in a position to compare the various deals offered by different insurers and choose the cheapest one. Only then can you be certain that you have got the best deal.
Online multiple quote comparison websites fulfills all these objectives along with certain additional benefits. These web sites help you find quotes very quickly. The process of submission of information and obtaining the quotes can be completed in a span of a few minutes, provided you have the required information in your hands. In any case, the actual time taken by the website to provide the estimates is very less.
The quotes are offered for free without any restrictions, obligations or complications. You provide information required by the website and you get the quotes almost immediately. You need not submit your credit card number or provide any private confidential information. You are not obligated to get insurance any particular insurer as well.
The estimates are available with no strings attached and this really means with no strings attached. You can make use various other blogs and journals on the web to verify the quotes obtained. You can even contact your insurance agent. Once all this is done, you just have to choose the best possible deal.
It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.
A good site to compare insurance quotes online can be found here:
Cheap Insurance Quotes
Article Source: http://EzineArticles.com/?expert=Erik_Stump
Life Assurance, Critical Illness Cover Etc - Are You Paying For Policies You Don't Need? By Ray Prince Platinum Quality Author
Life Assurance, Critical Illness Cover Etc - Are You Paying For Policies You Don't Need?
By Ray Prince Platinum Quality Author
One of the common issues we find when we review a new client's situation is that over the years they have been sold (or have purchased) many life, critical illness and income protection policies.
Now, it's important of course to state that such cover for, say, a couple with a family and a mortgage, is absolutely vital. It is perhaps better to have 'a little too much' cover rather than a shortfall that would cause them serious problems if the worst was to happen.
However, it's also fair to say that it's likely that you would not be happy paying well over the odds for protection year after year if it turns out that you did not need it.
In many cases this turns out to be the case, particularly for clients age 45/50 plus. This is because in almost every example we can think of, several things happen that mean the protection held is questionable.
The top few would be:
* the policy itself is not 'best value'
* the client was overinsured from the start
* matters have not been reviewed for many years
* NHS benefits have not been built in to the shortfall calculation
I think the first three are self evident, but let's look at the fourth issue here. Perhaps it might be sensible to look at a couple of doctor Consultant examples. In both cases we presume that they are married with 2 children, and have a mortgage.
We look at life cover and income protection only here, and the figures we use are for illustrative purposes only.
Terminology
Term Assurance (TA) - lump sum life cover over a certain number of years.
Family Income Benefit (FIB) - monthly income life cover over a certain number of years.
Permanent Health Cover (PHI) - monthly, tax free, income replacement usually to age 60.
In the examples below, you will see that the NHS provides these benefits automatically, depending on superannuable salary and length of service. If you have purchased added years then these will boost cover even further.
David aged 40
He has 16 years in the NHS with a current salary of £100k pa. The children are aged 8 and 10, and are likely to go to university. Debt is at its peak, and takes a large slice of the monthly budget.
David has been sold several life policies, and a PHI plan, costing £100 per month in total. When asked, David cannot remember being advised as to the NHS benefits he has already.
So what sort of NHS cover would David have? We only use here the expected minimum he would receive from the NHS if he was approved as long term incapacitated or indeed dies. This means using Tier 1 benefits for the calculation.
Lump Sum on death - £200,000
Income paid on death - £20,000 pa
Income paid for life on incapacity - £20,000 pa
These are fairly large sums of money, and once we understand what level of cover David really needs, sometimes savings can be made.
Tom aged 50
Tom has 26 years service in the NHS, with a current salary of £110,000 pa, as he has some discretionary points. The children aged 20 and 22 are close to leaving university, and the mortgage is a lot less now. His overall protection needs have not been reviewed for 5 years, and he is paying £140 pm for his protection policies.
Tom's NHS benefits are:
Lump Sum on death - £220,000
Income paid on death - £35,750 pa
Income paid for life on incapacity - £35,750 pa
As you can see, these benefits are higher, but the most crucial issue here is that Tom's protection needs are REDUCING. Yet as these policies were purchased many years ago, it is easy to miss that they become irrelevant to his requirements.
Results for GMPs OR GDPs are likely to be similar.
Of course, some policies may well have been designed to finish at this time, but some go on for many years. It is in this type of scenario where large savings can usually be made.
Whether you use a traditional financial adviser or a fee based planner (or you do it yourself) you need to do a shortfall calculation and include all existing cover, including NHS benefits.
Other tips are:
* taking out life cover EACH rather than jointly does not cost much more, and 'doubles' your cover as a couple (it also means that the survivor would have their own cover in place)
* if you are buying critical illness AND life cover, then make sure you compare plans that combine both as they can be very cost effective
* ensure any life cover is written in trust to help with Inheritance Tax Planning
* if you have Wills, review them. If you do not have Wills then take action now
* it makes sense to take out Lasting Powers of Attorney
Remember, every £1 saved on policies you don't need, can be spent on what you really do need.
The Financial Tips Bottom Line
It is vital that you know:
* What you and your family will need if disaster strikes
* what you currently have including NHS benefits. If you are unsure what your NHS benefits are, then write to them quoting your N.I. number and date of birth.
NHS Business Authority, Hesketh House, 200-220 Broadway, Fleetwood, Lancashire. FY7 8LG. Telephone 01253 774774.
ACTION POINT
If you have not reviewed your protection needs for a while, and/or feel that your NHS benefits have not been built in to your planning and you therefore might be paying too much, then email us at mailto:docden@rwpfg.uk, or call 0191 2173340.
By taking action now and you could save sizable sums of money!
Ray Prince is an Independent Financial Planner with Rutherford Wilkinson ltd, and helps UK Resident Doctors and Dentists get the best deals on mortgages, protection and investments, as well as helping them achieve their financial objectives. Just visit http://www.medicaldentalfs.com to get your free retirement planning guide.
Rutherford Wilkinson ltd is authorised and regulated by the Financial Services Authority.
Article Source: http://EzineArticles.com/?expert=Ray_Prince
By Ray Prince Platinum Quality Author
One of the common issues we find when we review a new client's situation is that over the years they have been sold (or have purchased) many life, critical illness and income protection policies.
Now, it's important of course to state that such cover for, say, a couple with a family and a mortgage, is absolutely vital. It is perhaps better to have 'a little too much' cover rather than a shortfall that would cause them serious problems if the worst was to happen.
However, it's also fair to say that it's likely that you would not be happy paying well over the odds for protection year after year if it turns out that you did not need it.
In many cases this turns out to be the case, particularly for clients age 45/50 plus. This is because in almost every example we can think of, several things happen that mean the protection held is questionable.
The top few would be:
* the policy itself is not 'best value'
* the client was overinsured from the start
* matters have not been reviewed for many years
* NHS benefits have not been built in to the shortfall calculation
I think the first three are self evident, but let's look at the fourth issue here. Perhaps it might be sensible to look at a couple of doctor Consultant examples. In both cases we presume that they are married with 2 children, and have a mortgage.
We look at life cover and income protection only here, and the figures we use are for illustrative purposes only.
Terminology
Term Assurance (TA) - lump sum life cover over a certain number of years.
Family Income Benefit (FIB) - monthly income life cover over a certain number of years.
Permanent Health Cover (PHI) - monthly, tax free, income replacement usually to age 60.
In the examples below, you will see that the NHS provides these benefits automatically, depending on superannuable salary and length of service. If you have purchased added years then these will boost cover even further.
David aged 40
He has 16 years in the NHS with a current salary of £100k pa. The children are aged 8 and 10, and are likely to go to university. Debt is at its peak, and takes a large slice of the monthly budget.
David has been sold several life policies, and a PHI plan, costing £100 per month in total. When asked, David cannot remember being advised as to the NHS benefits he has already.
So what sort of NHS cover would David have? We only use here the expected minimum he would receive from the NHS if he was approved as long term incapacitated or indeed dies. This means using Tier 1 benefits for the calculation.
Lump Sum on death - £200,000
Income paid on death - £20,000 pa
Income paid for life on incapacity - £20,000 pa
These are fairly large sums of money, and once we understand what level of cover David really needs, sometimes savings can be made.
Tom aged 50
Tom has 26 years service in the NHS, with a current salary of £110,000 pa, as he has some discretionary points. The children aged 20 and 22 are close to leaving university, and the mortgage is a lot less now. His overall protection needs have not been reviewed for 5 years, and he is paying £140 pm for his protection policies.
Tom's NHS benefits are:
Lump Sum on death - £220,000
Income paid on death - £35,750 pa
Income paid for life on incapacity - £35,750 pa
As you can see, these benefits are higher, but the most crucial issue here is that Tom's protection needs are REDUCING. Yet as these policies were purchased many years ago, it is easy to miss that they become irrelevant to his requirements.
Results for GMPs OR GDPs are likely to be similar.
Of course, some policies may well have been designed to finish at this time, but some go on for many years. It is in this type of scenario where large savings can usually be made.
Whether you use a traditional financial adviser or a fee based planner (or you do it yourself) you need to do a shortfall calculation and include all existing cover, including NHS benefits.
Other tips are:
* taking out life cover EACH rather than jointly does not cost much more, and 'doubles' your cover as a couple (it also means that the survivor would have their own cover in place)
* if you are buying critical illness AND life cover, then make sure you compare plans that combine both as they can be very cost effective
* ensure any life cover is written in trust to help with Inheritance Tax Planning
* if you have Wills, review them. If you do not have Wills then take action now
* it makes sense to take out Lasting Powers of Attorney
Remember, every £1 saved on policies you don't need, can be spent on what you really do need.
The Financial Tips Bottom Line
It is vital that you know:
* What you and your family will need if disaster strikes
* what you currently have including NHS benefits. If you are unsure what your NHS benefits are, then write to them quoting your N.I. number and date of birth.
NHS Business Authority, Hesketh House, 200-220 Broadway, Fleetwood, Lancashire. FY7 8LG. Telephone 01253 774774.
ACTION POINT
If you have not reviewed your protection needs for a while, and/or feel that your NHS benefits have not been built in to your planning and you therefore might be paying too much, then email us at mailto:docden@rwpfg.uk, or call 0191 2173340.
By taking action now and you could save sizable sums of money!
Ray Prince is an Independent Financial Planner with Rutherford Wilkinson ltd, and helps UK Resident Doctors and Dentists get the best deals on mortgages, protection and investments, as well as helping them achieve their financial objectives. Just visit http://www.medicaldentalfs.com to get your free retirement planning guide.
Rutherford Wilkinson ltd is authorised and regulated by the Financial Services Authority.
Article Source: http://EzineArticles.com/?expert=Ray_Prince
Sunday, November 15, 2009
car insurance
Car insurance
car is one of our mobility supporter. The funcion of a car could be important for us, therefore is proper to give a safety warrant to our car. Is by giving the car insurance, it means that we have given safety to our importance.
Many things might happen, wheather they are stealthy, accidant, and so on that could cause the funtion destruction. Car insurance is the answer for those things. A lot of insurance enterprises have provided the policy for car. But we have to be careful in choosing car insurance that will be joined. Try to get the car insurance for all incidents. One for all.
By having the policy in our car insurance, hopefully we can protect our car from any incidents. Car insurance isn't something to avoid, but it is such kind of preparation if such incident happen. It should not be a problem anymore, because it will be handled by insurance enterprise.
For example that by having car policy could be a solutio for people and their cars is several cases that happened by my friends. Here they are.
I have a friend who has an expensive car. So, for the preventive way he decides to has policy insurance for his car. In fact, he takes a good choice. Within a month he got two incidents to his car, and the reparation cost was really expensive. However, because of having policy insurance, it doesn't matter for him.
And this is another story from my friend.
In the first year, he bought policy insurance for his motorcycle. Then he decided not to take policy insurance in the next year, because there was nothing happen to his motorcycle in the first year. But what happened? He lost his motorcycle. His motorcycle was stolen by someone. If he had kept his policy insurance in the second year, of course he could get some help from the insurance he had.
So??
car is one of our mobility supporter. The funcion of a car could be important for us, therefore is proper to give a safety warrant to our car. Is by giving the car insurance, it means that we have given safety to our importance.
Many things might happen, wheather they are stealthy, accidant, and so on that could cause the funtion destruction. Car insurance is the answer for those things. A lot of insurance enterprises have provided the policy for car. But we have to be careful in choosing car insurance that will be joined. Try to get the car insurance for all incidents. One for all.
By having the policy in our car insurance, hopefully we can protect our car from any incidents. Car insurance isn't something to avoid, but it is such kind of preparation if such incident happen. It should not be a problem anymore, because it will be handled by insurance enterprise.
For example that by having car policy could be a solutio for people and their cars is several cases that happened by my friends. Here they are.
I have a friend who has an expensive car. So, for the preventive way he decides to has policy insurance for his car. In fact, he takes a good choice. Within a month he got two incidents to his car, and the reparation cost was really expensive. However, because of having policy insurance, it doesn't matter for him.
And this is another story from my friend.
In the first year, he bought policy insurance for his motorcycle. Then he decided not to take policy insurance in the next year, because there was nothing happen to his motorcycle in the first year. But what happened? He lost his motorcycle. His motorcycle was stolen by someone. If he had kept his policy insurance in the second year, of course he could get some help from the insurance he had.
So??
Auto Insurance Quotes Online
Auto Insurance Quotes Online
Most Popular Websites that Compare Car Insurance Rates
© Daniel Workman
Mar 12, 2009
Drivers Line Up to Lower Auto Insurance Premiums, http://www.just-stuart.com/photogs/morguefile_phot
GEICO, State Farm & Nationwide score the most web visitors in our study; but does that mean that these marketing brands offer consumers the lowest auto insurance rates?
Average U.S. car insurance rates soared 8.5% over the 9-month period from February to October 2008, according to data from RateWatch.
Many consumers face much higher renewal rate increases for their auto insurance. For example, one married office manager from Cleveland recently reported that her annual rate skyrocketed by 86% from US$700 to $1,300 despite an impeccable driving record.
Excessive premium increases have galvanized many drivers to search online for lower-costing car insurance. While thousands of Internet sites offer free car insurance quotes, limited information is available about the web portals that propose new rates to applicants.
This analysis ranks 7 of America’s most popular websites that offer free auto insurance quotes.
Categories for Auto Insurance Quote Websites
To shop online for the best auto insurance deals intelligently, consumers need to first clearly understand the distinct types of car quote websites.
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Online rate portals fall into 3 categories:
* Auto insurance company sites that quote only their rates so they can directly sell their own policies
* Online lead aggregators that entice as many applicants as possible to fill out their online request forms; that data is then sold to the local sales agents of auto insurers who then directly contact the applicant before providing their company’s rates
* Comparison raters that present the lowest 3 or 4 premium quotes assessed from a group of 12 or more participating direct insurers.
This study summarizes the website quote traffic for America’s 3 largest car insurers (State Farm, Nationwide and GEICO), 3 online lead aggregators (US Insurance Online, CAR Insurance and Online Auto Insurance) as well as a comparison rater (Insurance.com).
Most Popular Online Sites for Car Insurance Quotes
Based on statistics from leading Web traffic monitor Alexa, the following list is sorted by the estimated number of visitors to each website's quote page.
1. GEICO … 4.2 million online visitors over 3 months (up 9.9%)
2. State Farm Insurance … 1.9 million (up 5%)
3. Nationwide … 1.1 million (up 17%)
4. US Insurance Online … 670,229 (up 42%)
5. Insurance.com … 508,397 (up 1%)
6. CAR Insurance … 314,504 (up 22%)
7. Online Auto Insurance … 105,344 (up 46%).
Note that this ranking focuses on Internet traffic visits to the quoting sites, and excludes the actual number of online quotes or final sales.
GEICO, America’s third largest auto insurance carrier, accounted for 48% of total online visitors in the above statistics. The top 3 insurers combined generated almost 82% of the overall total.
Why Insurance Company Websites are So Popular
Brand-name advertising is one of the key performance drivers that explains why so much web traffic targets GEICO and other large auto insurer sites. GEICO has the best growth record among major auto insurers in part because annual advertising expenditures had mushroomed to US$631 million in 2007.
GEICO spends more on ads than any of its competitors. This may explain why so many American consumers use search engines to find GEICO as the low-cost auto insurance company of choice.
Other large auto insurers also invest hundreds of millions of dollars into brand advertising. Millions of drivers put a high priority on how well-established and financially secure their auto insurance company is. Multi-million dollar marketing campaigns condition those consumers to think of big carriers like State Farm and Nationwide when searching online for auto insurance quotes.
Yet the largest and most profitable auto insurance companies don’t necessarily offer the lowest rates.
Even after an 8% premium discount for GEICO-defined affinity groups, Warren Buffett recently admitted that GEICO rates might not lower the premiums for up to 50% of Berkshire Hathaway shareholders with existing coverage.
Why Online Lead Aggregators are Becoming Unpopular
While the online lead aggregators in our study generated 12.5% of total online visitors, that number understates the vast number of websites that this category of auto quote websites represents.
Consumers who request a rate proposal from the likes of US Insurance Online, CAR Insurance or Online Auto Insurance can expect up to 8 phone calls from local agents from direct carriers. These salespersons will ask more detailed questions and try to sell one of their company’s policies to whoever requested the online quote.
Comparison Raters
Scoring 5.9% of the total number of visitors looking for online quotes, Insurance.com represents a fast-growing segment in the auto insurance marketplace.
Once a single request form is completed, a comparison rater website will quote the lowest car insurance rates from a select group of insurance companies. For example, Insurance.com compares and then extracts the most economical premiums from more than a dozen partner insurance companies such as Progressive, Travelers, 21st Century, Hartford, Liberty Mutual, Met Life and Safeco. Each of the participating carriers at Insurance.com is rated Excellent or Superior by A.M. Best Company, the leading provider of insurance industry ratings.
Consumers immediately see the 4 best-of-breed quotes from the pool of participating direct insurance companies, then can make a decision to purchase one of those policies via Insurance.com as part of a single website visit.
In addition, comparison raters focus on developing user-friendly blogs that educate consumers on topics that help explain how auto insurance works.
Auto Insurance Website Study Findings
Regardless of high web traffic scores, none of the websites in this analysis can guarantee the lowest possible premiums for an individual consumer on any given day.
GEICO, State Farm or Nationwide might offer lower rates than any of Insurance.com’s partner insurance companies. Or vice versa.
Therefore, a prudent consumer will selectively research quotes from one or more individual auto insurance companies as well as a comparison rater.
The copyright of the article Auto Insurance Quotes Online in Automotive Insurance is owned by Daniel Workman. Permission to republish Auto Insurance Quotes Online in print or online must be granted by the author in writing.
Drivers Line Up to Lower Auto Insurance Premiums, http://www.just-stuart.com/photogs/morguefile_phot
Drivers Line Up to Lower Auto Insurance Premiums
Read more: http://automotive-insurance.suite101.com/article.cfm/auto_insurance_quotes_online#ixzz0Wyx3LFMx
Most Popular Websites that Compare Car Insurance Rates
© Daniel Workman
Mar 12, 2009
Drivers Line Up to Lower Auto Insurance Premiums, http://www.just-stuart.com/photogs/morguefile_phot
GEICO, State Farm & Nationwide score the most web visitors in our study; but does that mean that these marketing brands offer consumers the lowest auto insurance rates?
Average U.S. car insurance rates soared 8.5% over the 9-month period from February to October 2008, according to data from RateWatch.
Many consumers face much higher renewal rate increases for their auto insurance. For example, one married office manager from Cleveland recently reported that her annual rate skyrocketed by 86% from US$700 to $1,300 despite an impeccable driving record.
Excessive premium increases have galvanized many drivers to search online for lower-costing car insurance. While thousands of Internet sites offer free car insurance quotes, limited information is available about the web portals that propose new rates to applicants.
This analysis ranks 7 of America’s most popular websites that offer free auto insurance quotes.
Categories for Auto Insurance Quote Websites
To shop online for the best auto insurance deals intelligently, consumers need to first clearly understand the distinct types of car quote websites.
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Online rate portals fall into 3 categories:
* Auto insurance company sites that quote only their rates so they can directly sell their own policies
* Online lead aggregators that entice as many applicants as possible to fill out their online request forms; that data is then sold to the local sales agents of auto insurers who then directly contact the applicant before providing their company’s rates
* Comparison raters that present the lowest 3 or 4 premium quotes assessed from a group of 12 or more participating direct insurers.
This study summarizes the website quote traffic for America’s 3 largest car insurers (State Farm, Nationwide and GEICO), 3 online lead aggregators (US Insurance Online, CAR Insurance and Online Auto Insurance) as well as a comparison rater (Insurance.com).
Most Popular Online Sites for Car Insurance Quotes
Based on statistics from leading Web traffic monitor Alexa, the following list is sorted by the estimated number of visitors to each website's quote page.
1. GEICO … 4.2 million online visitors over 3 months (up 9.9%)
2. State Farm Insurance … 1.9 million (up 5%)
3. Nationwide … 1.1 million (up 17%)
4. US Insurance Online … 670,229 (up 42%)
5. Insurance.com … 508,397 (up 1%)
6. CAR Insurance … 314,504 (up 22%)
7. Online Auto Insurance … 105,344 (up 46%).
Note that this ranking focuses on Internet traffic visits to the quoting sites, and excludes the actual number of online quotes or final sales.
GEICO, America’s third largest auto insurance carrier, accounted for 48% of total online visitors in the above statistics. The top 3 insurers combined generated almost 82% of the overall total.
Why Insurance Company Websites are So Popular
Brand-name advertising is one of the key performance drivers that explains why so much web traffic targets GEICO and other large auto insurer sites. GEICO has the best growth record among major auto insurers in part because annual advertising expenditures had mushroomed to US$631 million in 2007.
GEICO spends more on ads than any of its competitors. This may explain why so many American consumers use search engines to find GEICO as the low-cost auto insurance company of choice.
Other large auto insurers also invest hundreds of millions of dollars into brand advertising. Millions of drivers put a high priority on how well-established and financially secure their auto insurance company is. Multi-million dollar marketing campaigns condition those consumers to think of big carriers like State Farm and Nationwide when searching online for auto insurance quotes.
Yet the largest and most profitable auto insurance companies don’t necessarily offer the lowest rates.
Even after an 8% premium discount for GEICO-defined affinity groups, Warren Buffett recently admitted that GEICO rates might not lower the premiums for up to 50% of Berkshire Hathaway shareholders with existing coverage.
Why Online Lead Aggregators are Becoming Unpopular
While the online lead aggregators in our study generated 12.5% of total online visitors, that number understates the vast number of websites that this category of auto quote websites represents.
Consumers who request a rate proposal from the likes of US Insurance Online, CAR Insurance or Online Auto Insurance can expect up to 8 phone calls from local agents from direct carriers. These salespersons will ask more detailed questions and try to sell one of their company’s policies to whoever requested the online quote.
Comparison Raters
Scoring 5.9% of the total number of visitors looking for online quotes, Insurance.com represents a fast-growing segment in the auto insurance marketplace.
Once a single request form is completed, a comparison rater website will quote the lowest car insurance rates from a select group of insurance companies. For example, Insurance.com compares and then extracts the most economical premiums from more than a dozen partner insurance companies such as Progressive, Travelers, 21st Century, Hartford, Liberty Mutual, Met Life and Safeco. Each of the participating carriers at Insurance.com is rated Excellent or Superior by A.M. Best Company, the leading provider of insurance industry ratings.
Consumers immediately see the 4 best-of-breed quotes from the pool of participating direct insurance companies, then can make a decision to purchase one of those policies via Insurance.com as part of a single website visit.
In addition, comparison raters focus on developing user-friendly blogs that educate consumers on topics that help explain how auto insurance works.
Auto Insurance Website Study Findings
Regardless of high web traffic scores, none of the websites in this analysis can guarantee the lowest possible premiums for an individual consumer on any given day.
GEICO, State Farm or Nationwide might offer lower rates than any of Insurance.com’s partner insurance companies. Or vice versa.
Therefore, a prudent consumer will selectively research quotes from one or more individual auto insurance companies as well as a comparison rater.
The copyright of the article Auto Insurance Quotes Online in Automotive Insurance is owned by Daniel Workman. Permission to republish Auto Insurance Quotes Online in print or online must be granted by the author in writing.
Drivers Line Up to Lower Auto Insurance Premiums, http://www.just-stuart.com/photogs/morguefile_phot
Drivers Line Up to Lower Auto Insurance Premiums
Read more: http://automotive-insurance.suite101.com/article.cfm/auto_insurance_quotes_online#ixzz0Wyx3LFMx
Friday, November 13, 2009
Judging the Best Auto Insurance Rates
Judging the Best Auto Insurance Rates
By Ricky Lawrence
Published: Thursday, November 12th, 2009
Paying for car insurance premiums is an obligation you have to bear with. However, it does give you an advantage once you get yourself into an accident. That is why, despite the pain it gives to your pocket, it is worth having one. What you should look into is whether you are getting the best deal out of it. It is necessary to find out if its coverage can guarantee all the services when you need it. If it does not offer satisfaction, you can always change it with another one once your current insurance needs to be renewed. Moreover, it is necessary that you find the best auto insurance rates around.
Never compromise quality even as you search for companies that can provide you with less costly insurance premiums. Remember, it is a rule in any market that quality always has a higher price. Since it is a free market, be assured that there is always a chance of finding one that can give you more than what you pay for. The competition among insurance providers has resulted into a continuing premium rates reduction. Definitely, you can take advantage of this situation.
Best auto insurance rates are not represented by cash value alone. You can also discover these by relating it to benefits you can get. Some insurance providers boast of having the cheapest premium rates in the industry, but they can also have the worst services too. Therefore, you should not be contented in the quotes they give. Always try to see how they actually dispense their services to policy holders. While competition may force them to pull down rates, this also pushes them to raise their quality. This is to the advantage of motorists who wish to save on their premiums.
Insurance companies charge higher premiums for motorists whom they think to have higher risk factors. Certainly, they would not like to spend cash often for negligent drivers. However, this also shows their financial capability. If they are too strict in providing insurance to drivers with poor driving history, or if they impose too high charges on them, they may not also possess enough stable resources. Hence, it is important for you to know the background of the provider. This will help you a lot in judging if this provides the best auto insurance rates.
To sum up, there are two ways in reaching a conclusion about the best auto insurance rates. One is by comparing the rates the providers give and two is by comparing the rates to the quality of service and of the companies themselves.
Best Auto Insurance Rates: Judging the Best Auto Insurance Rates
« How Non-owners Auto Insurance Works
What You Need to Know About Used Car Insurance »
*
By Ricky Lawrence
Published: Thursday, November 12th, 2009
Paying for car insurance premiums is an obligation you have to bear with. However, it does give you an advantage once you get yourself into an accident. That is why, despite the pain it gives to your pocket, it is worth having one. What you should look into is whether you are getting the best deal out of it. It is necessary to find out if its coverage can guarantee all the services when you need it. If it does not offer satisfaction, you can always change it with another one once your current insurance needs to be renewed. Moreover, it is necessary that you find the best auto insurance rates around.
Never compromise quality even as you search for companies that can provide you with less costly insurance premiums. Remember, it is a rule in any market that quality always has a higher price. Since it is a free market, be assured that there is always a chance of finding one that can give you more than what you pay for. The competition among insurance providers has resulted into a continuing premium rates reduction. Definitely, you can take advantage of this situation.
Best auto insurance rates are not represented by cash value alone. You can also discover these by relating it to benefits you can get. Some insurance providers boast of having the cheapest premium rates in the industry, but they can also have the worst services too. Therefore, you should not be contented in the quotes they give. Always try to see how they actually dispense their services to policy holders. While competition may force them to pull down rates, this also pushes them to raise their quality. This is to the advantage of motorists who wish to save on their premiums.
Insurance companies charge higher premiums for motorists whom they think to have higher risk factors. Certainly, they would not like to spend cash often for negligent drivers. However, this also shows their financial capability. If they are too strict in providing insurance to drivers with poor driving history, or if they impose too high charges on them, they may not also possess enough stable resources. Hence, it is important for you to know the background of the provider. This will help you a lot in judging if this provides the best auto insurance rates.
To sum up, there are two ways in reaching a conclusion about the best auto insurance rates. One is by comparing the rates the providers give and two is by comparing the rates to the quality of service and of the companies themselves.
Best Auto Insurance Rates: Judging the Best Auto Insurance Rates
« How Non-owners Auto Insurance Works
What You Need to Know About Used Car Insurance »
*
Affordable Auto Insurance for Seniors
Affordable Auto Insurance for Seniors
By Ricky Lawrence
Published: Friday, November 13th, 2009
Insurance companies consider age in a very major way. Age is the number one factor that affects a person’s premium rate because of risks that are attached to it. For instance, premiums for new drivers aged seventeen or so, they will have to contend with higher rates. This is because insurers deem that this age is a stage when someone is still irresponsible on the road because of newfound freedom. Higher premium is also usually imposed on auto insurance for seniors. There are disabilities that come with old age like impaired eyesight and hearing. This is probably why the elderly is considered high risk.
However, it is noticeable that old people are more cautious on the road. They keep within speed limits and handle the wheel safely. They are also retired and just stay at home most of the time. This means that their mileage becomes low as they age. While it is true that senior people are considered risky on the road, they also have qualities that qualify them for discounts and cheaper auto insurance for seniors.
Like all other kinds of coverage, auto insurance for seniors may vary from one insurer to another. Scout around and review quotes as a good start for your shopping expedition. You will be surprised that each company will be unique in their offers. Choose the best option for the lowest price.
To ensure that you will get discounts that you deserve, follow these tips for a better road experience and lower premium rates:
* Look ahead and slow down, or stop fully if necessary, at intersections.
* Keep within the speed limit. Going over or under it is not safe. Accidents may occur on roads where motorists are too fast. On the other hand, slow driving may trigger impatience and road rage.
* Make sure that you can see at least ten feet ahead by sitting high. When you have a long and wide vision in front, you become defensive in driving.
* Keep your lane and be cautious if you must change lanes.
* Remember that older models of cars are different from new releases in terms of features. If you have acquired a new vehicle, make sure that you know how to operate it properly, like finding where the switches are located.
* A driving refresher course would be nice too. Some companies automatically award discounts on auto insurance for seniors when there is proof that the policy applicant has just finished the course.
Remember that it is possible to get cheaper rates for you. Knowing your options will get you to the best deal.
Auto Insurance For Seniors: Affordable Auto Insurance for Seniors
« What You Need to Know About Used Car Insurance
Avoiding Losses with Gap Insurance »
*
By Ricky Lawrence
Published: Friday, November 13th, 2009
Insurance companies consider age in a very major way. Age is the number one factor that affects a person’s premium rate because of risks that are attached to it. For instance, premiums for new drivers aged seventeen or so, they will have to contend with higher rates. This is because insurers deem that this age is a stage when someone is still irresponsible on the road because of newfound freedom. Higher premium is also usually imposed on auto insurance for seniors. There are disabilities that come with old age like impaired eyesight and hearing. This is probably why the elderly is considered high risk.
However, it is noticeable that old people are more cautious on the road. They keep within speed limits and handle the wheel safely. They are also retired and just stay at home most of the time. This means that their mileage becomes low as they age. While it is true that senior people are considered risky on the road, they also have qualities that qualify them for discounts and cheaper auto insurance for seniors.
Like all other kinds of coverage, auto insurance for seniors may vary from one insurer to another. Scout around and review quotes as a good start for your shopping expedition. You will be surprised that each company will be unique in their offers. Choose the best option for the lowest price.
To ensure that you will get discounts that you deserve, follow these tips for a better road experience and lower premium rates:
* Look ahead and slow down, or stop fully if necessary, at intersections.
* Keep within the speed limit. Going over or under it is not safe. Accidents may occur on roads where motorists are too fast. On the other hand, slow driving may trigger impatience and road rage.
* Make sure that you can see at least ten feet ahead by sitting high. When you have a long and wide vision in front, you become defensive in driving.
* Keep your lane and be cautious if you must change lanes.
* Remember that older models of cars are different from new releases in terms of features. If you have acquired a new vehicle, make sure that you know how to operate it properly, like finding where the switches are located.
* A driving refresher course would be nice too. Some companies automatically award discounts on auto insurance for seniors when there is proof that the policy applicant has just finished the course.
Remember that it is possible to get cheaper rates for you. Knowing your options will get you to the best deal.
Auto Insurance For Seniors: Affordable Auto Insurance for Seniors
« What You Need to Know About Used Car Insurance
Avoiding Losses with Gap Insurance »
*
Tuesday, November 10, 2009
information busines insurance top 10 tips
Business Insurance Top 10 Tips
Businesses of all sizes are always looking to save money on their Business Insurance premiums. These Top 10 Tips have been designed by one of the UK's Leading Insurance Brokers to help businesses who want to pay less for their Business Insurance.
1. Be honest. It may sound the most obvious statement but forgotten or inaccurate information could affect your insurance at a later date. Your motto should be, if in doubt, disclose it. Whether you’ve had a small bump in a supermarket car park or have made a claim against your liability insurance - tell your insurance broker or company up front or when it happens.
2. Use an insurance broker if you can’t spare the time to phone or shop around yourself. An insurance broker will search a large number of leading insurers for you so you could save money as well as time. When deciding which insurance broker to use things to look for are:
Are they well established?
Do they have facilities with the leading insurance companies?
Are their staff experienced and do they understand your industry?
3. Choose your insurance provider carefully. A recent survey conducted by Holden Pearmain, the market research company, showed that 63% of small and medium sized businesses (SME’s) preferred using a local supplier when it came to choosing their insurance provider. And 42% surveyed felt using an insurance broker was the best way to get the best deal. When choosing your insurance provider look for a company that understands your needs and has facilities with leading insurance companies to ensure you get the right cover, at the right price.
4. Make sure you are covered correctly. Insurance can be confusing so if you are unsure of anything, ask your broker or insurance company before taking out a policy. They are the experts so take advantage of their knowledge.
5. Increase your excess. If you’re looking to reduce your premium without sacrificing cover, you could opt for an additional voluntary excess on top of your compulsory excess. By increasing your excess you could reduce your premium.
6. Make sure your premises are secure. Many insurers will only offer cover on certain premises if they are fitted with a certain level of security. Find out the exact type of security your premises has as this could reduce your premium.
7. Consider putting all your insurance policies with the same insurance broker or company. Not only will this make your administration far easier, but you may also qualify for discounts for having more than one policy with them. Certain insurance brokers and companies also offer discounts for recommending them to your friends and family. If in doubt, ask.
8. The cheapest isn’t always the best. As insurance isn’t a "sexy" purchase, many businesses opt for the cheapest is best option. Don’t always assume this is the case. Make sure the policy you buy gives you the level of cover you require. Don’t leave it until you make a claim to find out if the policy meets your needs. Make a list of what you need from an insurance policy and make sure the policy you buy includes it.
9. Don’t forget the additional cover. When buying insurance for your business, remember that there are several types of additional cover that maybe offered to you. Whilst not all of these will be necessary, there are certain types of cover that maybe of real benefit to you. Some examples of these include:
-- Legal Protection
-- Personal Accident
-- Directors & Officers Liability
-- Public & Employers Liability
-- Business Travel
-- Key Person Insurance
10. Don’t worry. Buying insurance for your business can be a minefield with so many insurance providers and insurance policies available. However, there is no need to worry as providing you choose the right insurance provider, they should have the experience and expertise to guide you through your options and make sure you get the best deal.
The Top 10 Business Insurance Tips was compiled by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. As one of the UK's Leading Insurance Brokers Northern Counties have been providing Business Insurance to UK companies since 1928. To see how much you can save on your Business Insurance Northern Counties can be contacted on 0191 482 1219.
Northern Counties – The UK's Business Insurance, Nursery Insurance, Care Home Insurance, Motor Trade Insurance and Liability Insurance Broker.
Northern Counties Insurance Brokers
Northern Counties Insurance Brokers
By Mark Burdett
Published: 10/27/2006
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* Is Business Insurance the new Texas Holdem Poker?
* Business Insurance - Get the best deal
* Business Insurance
* Business Insurance: Umbrella Insurance Coverage for Business
* Small Business Insurance: Do You and Your Subcontractors Need It?
* The Best Insurance Comparison Tool Ever?
* Commercial Insurance - Get it right or risk everything
* Commercial Insurance - What exactly is it?
* Liability Insurance Explained
* Memo to myself – I need Keyman Insurance
* Small Business Health Insurance
* Combined Motor Trade Insurance - Why it works
* Insurance Tips for New Start Businesses
* Business Overhead Expense Insurance – Do I need it?
* Health Insurance For Small Business Owners – Guaranteeing Protection
* Keyman Insurance – Protect against your biggest businesses risks.
* Home-Based Business Owners, You Need Insurance Coverage
* No Business Is Safe from Environmental Disaster
* Small Business Liability Insurance
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Businesses of all sizes are always looking to save money on their Business Insurance premiums. These Top 10 Tips have been designed by one of the UK's Leading Insurance Brokers to help businesses who want to pay less for their Business Insurance.
1. Be honest. It may sound the most obvious statement but forgotten or inaccurate information could affect your insurance at a later date. Your motto should be, if in doubt, disclose it. Whether you’ve had a small bump in a supermarket car park or have made a claim against your liability insurance - tell your insurance broker or company up front or when it happens.
2. Use an insurance broker if you can’t spare the time to phone or shop around yourself. An insurance broker will search a large number of leading insurers for you so you could save money as well as time. When deciding which insurance broker to use things to look for are:
Are they well established?
Do they have facilities with the leading insurance companies?
Are their staff experienced and do they understand your industry?
3. Choose your insurance provider carefully. A recent survey conducted by Holden Pearmain, the market research company, showed that 63% of small and medium sized businesses (SME’s) preferred using a local supplier when it came to choosing their insurance provider. And 42% surveyed felt using an insurance broker was the best way to get the best deal. When choosing your insurance provider look for a company that understands your needs and has facilities with leading insurance companies to ensure you get the right cover, at the right price.
4. Make sure you are covered correctly. Insurance can be confusing so if you are unsure of anything, ask your broker or insurance company before taking out a policy. They are the experts so take advantage of their knowledge.
5. Increase your excess. If you’re looking to reduce your premium without sacrificing cover, you could opt for an additional voluntary excess on top of your compulsory excess. By increasing your excess you could reduce your premium.
6. Make sure your premises are secure. Many insurers will only offer cover on certain premises if they are fitted with a certain level of security. Find out the exact type of security your premises has as this could reduce your premium.
7. Consider putting all your insurance policies with the same insurance broker or company. Not only will this make your administration far easier, but you may also qualify for discounts for having more than one policy with them. Certain insurance brokers and companies also offer discounts for recommending them to your friends and family. If in doubt, ask.
8. The cheapest isn’t always the best. As insurance isn’t a "sexy" purchase, many businesses opt for the cheapest is best option. Don’t always assume this is the case. Make sure the policy you buy gives you the level of cover you require. Don’t leave it until you make a claim to find out if the policy meets your needs. Make a list of what you need from an insurance policy and make sure the policy you buy includes it.
9. Don’t forget the additional cover. When buying insurance for your business, remember that there are several types of additional cover that maybe offered to you. Whilst not all of these will be necessary, there are certain types of cover that maybe of real benefit to you. Some examples of these include:
-- Legal Protection
-- Personal Accident
-- Directors & Officers Liability
-- Public & Employers Liability
-- Business Travel
-- Key Person Insurance
10. Don’t worry. Buying insurance for your business can be a minefield with so many insurance providers and insurance policies available. However, there is no need to worry as providing you choose the right insurance provider, they should have the experience and expertise to guide you through your options and make sure you get the best deal.
The Top 10 Business Insurance Tips was compiled by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. As one of the UK's Leading Insurance Brokers Northern Counties have been providing Business Insurance to UK companies since 1928. To see how much you can save on your Business Insurance Northern Counties can be contacted on 0191 482 1219.
Northern Counties – The UK's Business Insurance, Nursery Insurance, Care Home Insurance, Motor Trade Insurance and Liability Insurance Broker.
Northern Counties Insurance Brokers
Northern Counties Insurance Brokers
By Mark Burdett
Published: 10/27/2006
Ads by Google
New Business Opportunity
Run Your Own Energy Saving Business PLC Seeks International Partners www.EnigIn.net
Marine Insurance Disputes
Advice for companies and insured court and arbitration www.antwerplaw.be
Global Medical Insurance
International Health & Medical Insurance For Expats Overseas www.GoodHealthWorldwide.com
Food and Beverage News
Global Brands and Markets Relevant, actionable business news FoodBizDaily.com
Expat Medical quotation
get a personalised quote for expat medical insurance www.expatriate-insurance.com
The Biofuels Boom
Find out where the money is going in Biofuels - will it affect you? www.integer-research.com
Discuss Email Article
Use the feedback form below to submit your comments.
Your Comments:
Your Name:
Use the form below to email this article to your friends.
Recipient Email Address:
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* Is Business Insurance the new Texas Holdem Poker?
* Business Insurance - Get the best deal
* Business Insurance
* Business Insurance: Umbrella Insurance Coverage for Business
* Small Business Insurance: Do You and Your Subcontractors Need It?
* The Best Insurance Comparison Tool Ever?
* Commercial Insurance - Get it right or risk everything
* Commercial Insurance - What exactly is it?
* Liability Insurance Explained
* Memo to myself – I need Keyman Insurance
* Small Business Health Insurance
* Combined Motor Trade Insurance - Why it works
* Insurance Tips for New Start Businesses
* Business Overhead Expense Insurance – Do I need it?
* Health Insurance For Small Business Owners – Guaranteeing Protection
* Keyman Insurance – Protect against your biggest businesses risks.
* Home-Based Business Owners, You Need Insurance Coverage
* No Business Is Safe from Environmental Disaster
* Small Business Liability Insurance
Ads by Google
Global Forex Trading
Free $50,000 Practice Account With Real-Time Charts, News & Research! www.Forex.com
MBA, Top Ranked Degree
GGSB MBA,Triple Accredited £7000 Scholarship, Expert Tutors www.lsbf.org.uk/mba
International Healthcare
International private health insurance Immediate Free Online Quote! www.AllianzWorldwideCare.com
CanGlobal Products Ltd.
Pressure, Mud and Weight Gauges Custom electronics and survey tools www.canglobalproducts.com
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