Wednesday, August 1, 2012

Auto Insurance Articles 5

Why Should You Shop Around for Auto Insurance?



How do you know if what you are paying for your insurance is a good deal? What is a good deal? Is choosing the cheapest company the best way to go? Does buying from the most expensive company mean you are buying the best coverage? Generally, a good deal is a state of mind. As long as you are happy, with the amount of coverage, you have and how much you paid for it, you got a good deal. For each person, the amount of coverage they need and what they can afford to spend is usually a different amount.

The main reason drivers overpay on their insurance is they do not shop around. CarInsurance.com offers an easy way to shop around. They do compare the pricing of several auto insurance quotes. Knowing how much coverage you need will help you select an insurance company. This is one of the best ways for consumers to maximize what they get for their insurance premiums.

Insurance is a highly competitive business. There are thousands of insurers offering policies to consumers. Each consumer's goal should be to find a financially solid company that offers a fair price along with superior customer service. How do you know which company can provide such a combination of both good pricing and customer service? One way is to talking to friends, relatives, and business associates. Ask people you know and respect what insurance company they use. Ask if they are pleased with how their company handles claims.

The insurance industry is highly regulated. It is important to do business with a company that is licensed by the state in which you live. Another factor of the strength a company has is its A.M. Best Company rating. You want to be comfortable knowing that in the event of a claim your company will be there for you. A.M. Best Company is the industry leader providing ratings and financial information for insurance companies. AM Best ratings are recognized as the standard by which an insurers' financial strength is measured. The ratings are available here: http://www.ambest.com. CarInsurance.com lists the AM Best rating of each company once you complete your quote.

How do you know what to expect from your insurance company? Your insurance company and its representatives should be able to answer your questions. They should be able to help you determine what coverage and limits you should carry based on your needs. They should handle any claims fairly, efficiently and quickly. You should feel comfortable with both the insurance company that you select and the insurance agent or company representative that you will be working with. Your insurance professional should take the time to understand your insurance needs and answer all of your questions to your satisfaction.

Go to http://www.carinsurance.com, not only will you get the rates of various insurance companies, you will see the A.M. Best rating for each company along side their rates for you personal situation.

Now is the time for your fingers to punch their way to a quick rate analysis and view the ratings at the same time.

Visit http://www.carinsurance.com to Check Out Our Rates!

Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.

Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online... anytime!

This post confirms my ownership of the site and that this site adheres to Google AdSense program policies and Terms and Conditions.

Auto Insurance Articles 4

Auto Insurance Articles


5 Steps To Cheap Car Insurance Premiums


Although car insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you hundreds.

Step 1 - Cut the Insurer's Risk
The easiest way to cut your car insurance premiums is to reduce the insurer's risk and accept a higher voluntary excess. An insurer's standard excess may be 100 but if you meet the first 250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch.

Step 2 - Security
Fitting security devices can also result in cheaper car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.

Step 3 - Annual Mileage
If your annual mileage is 5,000 miles or less, ask insurer's if they offer discounts for agreed mileage restrictions.

Step 4 - Named Drivers
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will certainly increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!

Step 5 - Shop Around
The biggest car insurance savings come from shopping around. This has been made much easier with the explosion of the internet. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparative online car insurance quote sites like Moneysupermarket and Screentrade, take their best quotes and go direct to the cheapest car insurance companies for more specific quotations.

Copyright UK Insurance Index http://www.uk-insurance-index.co.uk All rights reserved.


This post confirms my ownership of the site and that this site adheres to Google AdSense program policies and Terms and Conditions.

Tuesday, July 31, 2012

Auto Insurance Articles 3

Affordable Car Insurance Rate For the First Timer



If you are a newbie to the world of auto insurance, fear not! If you follow certain steps, finding an affordable car insurance rate is perfectly feasible and less troublesome than you think. First, understanding insurance lingo is only the beginning toward an affordable auto insurance rate. There are great articles and sites that will offer definitions for common terms like deductible, liability, and other words that impact your affordable car insurance rate.

Once you get a grasp on the lingo, the next step toward finding an affordable auto insurance rate is to know what coverage options are available to you, and then determine what coverages you would like. Once you have that list, you can then compare it to what you need. As you look at different quotes, you will know what you have budgeted toward your auto insurance, and you can then find the quote that gives you an affordable car insurance rate along with the most coverage for that rate.

Also, asking about discounts is a great way to create a more affordable car insurance rate. Most auto insurance companies offer discounts for things like good grades, age, and having multiple insurance policies, so you may be able to get more coverage with discounts as you get a more affordable car insurance rate through those savings.

Want more great auto insurance info. Get instant auto insurance quotes and more great info at Insurance-Compare-Save.com. We have daily updated insurance info and a huge network of insurers competing for your business.

Auto Insurance Articles 2

Car Insurance No Claims Bonus Explained



No Claims Bonus is a term used to describe the number of years you have had Car Insurance without making a claim. Put simply, if you have had Car Insurance for 4 years and you have not made a claim in that time, then you have 4 years No Claims Bonus. No Claim Bonus is probably the single biggest factor affecting the cost of your Car Insurance premium. Every year that goes by without you making a claim is another year of No Claims Bonus.

Generally speaking, the more No Claims Bonus years you have, the cheaper your premium will be for the car you need to insure. This is because Car Insurance companies can see that your history regarding making any claims is a good one.

When changing provider, Car Insurance companies will usually ask you to prove your No Claims Bonus in the form of a renewal notice or a letter from your current Car Insurance company. If you have several years of No Claims Bonus but then make a claim, the Car Insurance company will usually apply it's rules of how much to knock back your No Claims Bonus Years. Some companies such as Accept Direct ( http://www.acceptdirect.co.uk ) offer to protect your No Claims Bonus for an extra fee during the quotation process. Having full no claims bonus can also entitle you up to 75% discount on your car insurance premium.

Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk

About The Author

Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk

SEO Articles 2

Finding the Right SEO Company



I often talk to people who have lost faith in Search Engine Optimization (SEO) firms because of bad experiences. Either they saw no results, felt that they were tricked into subscribing to a service that could not work, or that they wasted money on a firm that did them no good. Although I agree that there are bad SEO firms out there, I know that there are also many good ones. Its your job to make sure you find an SEO firm that will work for you.

Search engines are the basis of Internet existence and survival. Recent studies have concluded that over 90 percent of all web surfers use search engines to find what they are looking for. Thus, in order to be successful on the Internet, your website must be search engine friendly. If people who search the Internet for your products or services are not finding your Web site, you need search engine optimization (SEO).

Now some of you may take on the task of optimizing your own sites. For those people, there are plenty of how to articles on the Internet that can help you. If you need more help, drop me an email and Ill give you some ideas. However, many webmasters decide instead to let an SEO company handle their marketing. Search Engine Optimization is a full time job, and many companies need to hire someone to do it for them. If this is your intent, you should know what to look for, and what to watch for, when selecting the right SEO company.

1. Make Sure They, and Their Clients, are Successful and Well Optimized

If your SEO company does not rank high on most major search engines under their specific services, then they probably wont have the ability to get you high ranking on yours. For example, if youre located in Boston, your SEO company should at least rank on the first page in Google, Yahoo, and MSN under such search terms as Boston SEO, Boston Internet Marketing, Boston Web Marketing, or even Boston Web Design. If you found them through pay-per-click or sponsored listings, this only means that they do not have the ability to optimize their own websites and are forced to pay for their clientele.

In addition, it is a good idea to check the success of their clients. All SEO companies have a client listing, if for no other reason than to offer front page links to their big spenders. Take a good look at these clients sites. Check for quality of content and keywords. View the source and see how well the meta tags are structured and how well they apply to the content given. And most importantly, go to the major search engines and find where these clients land on the search terms they are targeting. If the SEO company has created a successful marketing campaign for each of its clients, chances are youre looking at a good SEO firm. However, if neither the SEO company or its listed clients have high rankings, I would recommend you find a firm that does.

2. Make Sure Someone Answers the Phone or Responds to Email

Although this may sound funny, I cant stress how important it is to find a SEO company that will be there when you need them. Before choosing an SEO company, call them. If they pick up, youre in good shape. If they dont pick up, but call back within 2 hours, youre still looking pretty good. If it takes you a handful of phone calls and emails, or a number of days to get a response, you might be in bad shape.

Say youve just received a new product that you would like to market. Say that product is seasonal, only for the holiday season, and your ability to sell it relies on the timeliness with which you can get it seen on the search engines. You need a company that you can contact to put immediate marketing efforts to your new pages and products. If it takes 3 to 4 weeks for your SEO firm to make changes and improvements, you might want to look for a company that can keep up with your fast-paced business and demanding customers.

3. Make Sure They Understand How Search Engines Work

Keeping a website at the top of the search engines has become a science. The best search engines frequently modify the way their databases list Web sites, and constantly change the search criteria used to find and present web pages.

To understand the quality of a companys search engine optimization services, you must first understand how search engines work. Search engines list websites in two distinct manners: pay per click listings and organically optimized listings.

Pay per click listings are the listings that appear on the top or right side of most search engines under the heading Sponsored Links, or some related term. This type of listing is paid for. Web sites that wish to get top search engine placement without optimization can pay a certain cost that is charged to their search engine accounts every time their sponsored link is clicked on by a prospective client. Cost per click rates range anywhere between $0.10 and $10.00 per search. Some bigger-budget eCommerce businesses can spend up to $50,000 a month on pay per click marketing.

Organically optimized listings are the listings that appear at the top of search engine pages without having to pay for these listings. This type of listing is free. However, your website must be properly optimized to appear at the top of all search engines using organic optimization. Search engines use unique programs which send agents referred to as spiders and robots to your Web site to collect data. Your website must be structured properly to aid these robots in their search for information.

A quality SEO firm will know how to properly structure your website for top organic optimization and, ultimately, top search engine placement. Watch out for SEO firms that take your money and invest in pay-per-click marketing. Although this will get you immediate results, it does nothing to optimize your site in the long run, will not be as profitable as an organic marketing campaign, and will keep you dependent on SEO companies for your success. And pay-per-click marketing is something you can easily do yourself; if thats the route you wish to take.

4. Make Sure They Follow-Up with Internet Research

In addition to knowing how to optimize correctly, an SEO firm should be constantly investigating the Internets most popular search engines in order to stay aware of the latest techniques for promoting a Web site on the Internet. If they are not giving you monthly reports on the status of your listings, the increasing quantity of your links, and the number of unique visitors to your site, you might not be working with the right SEO company. These reports should not only show where your site is ranked on each of the major search engines for each of the major terms you target, but also show you how you have improved from the previous month and where your competitors stand.

5. Make Sure You Constantly Know What Theyre Doing

The major problem most people have with internet marketing guys is that they dont see them everyday. Its not like these guys come into the office everyday, or even sit down with the boss for a daily conference call. Most of them work out of their homes, spending 12 hours a day on the computer. Now Im not saying that they will take your money and do nothing for you, but its good to keep your eyes on them like you would any employee. On the days that they work for you, have them send you day-end reports detailing the pages they optimized, the content they added, the keywords they marketed, and the links they added. This will allow you a better understanding of what they do on your clock, and allow you to keep your eye on their progress and effectiveness.

Overall, you can find a good SEO company. There are hundreds out there. But it is your responsibility to make sure you find the right one. Dont just pick the first firm you find, then complain when you see no results. Find your results before you hire any SEO company, and you will put your business on the right track for Internet success.

Nathaniel Long is an Internet marketing specialist for Allied Internet Productions, a Denver-based web design and marketing company specializing in graphic and flash design, internet marketing and search engine optimization. Visit their site at http://www.alliedinternetproductions.com, or call them toll free at 800-935-1820.

SEO Articles

10 Things to Expect from Your SEO Copywriter



From the perspective of a business owner, webmaster, or marketing manager, the change exhibited by the Internet is profoundly exciting, yet profoundly disturbing. The information (and misinformation and disinformation) it offers, the business benefits it promises, and the rules it is governed by change at such a rapid rate that its almost impossible to keep up.

These changes have led to a growing appreciation of the value of quality web copy. This appreciation has, in turn, led to an influx of opportunistic copywriters promoting themselves as website copywriters or SEO copywriters. Dont get me wrong, there are quite a few excellent SEO copywriters out there, and you should definitely shop around. The purpose of this article isnt to scare you; its to help you find the SEO copywriter wholl deliver honest service and excellent results.

So with that in mind, take a look at the following ten tips. These are the things you have a right to expect from anyone wearing a name badge that reads website copywriter, SEO copywriter, internet copywriter, or web copywriter (See also www.divinewrite.com/websitecopywriter.htm and www.divinewrite.com/makethemost.htm.)

1) An understanding of SEO

Obviously, your SEO copywriter must have a solid understanding of the essentials of Search Engine Optimization. They must know that ranking is essentially the result of a websites relevance (i.e. keywords) and importance (i.e. inbound links). There are a whole lot of other factors involved, but if your SEO copywriter doesnt understand these two basics, you should look elsewhere. If youd like to ensure your SEO copywriter knows a little more than just the basics, take a look at www.divinewrite.com/SEOCEO.htm, www.divinewrite.com/seocopy.htm, www.divinewrite.com/seotradesecrets.htm, www.divinewrite.com/webcopyenough.htm, and www.divinewrite.com/seoarticles.htm for some clues as to what you might like to ask in order to assess their knowledge.

2) Proven experience

The proof is, as they say, in the pudding. Its not enough that your SEO copywriter can talk the talk; they must also be able to walk the walk. Ask to see some examples of websites for which theyve obtained some good rankings. Note that it may be very difficult to find an SEO copywriter who has actually worked on both keywords and link generation, so if you find one who has, and they write well, snap em up! Theyll have a very broad and useful working knowledge of search engines.

3) An understanding of how many keywords to use

You dont want to fill every page up with every keyword youre targeting. This simply dilutes your sites relevance and reduces readability. Ask your SEO copywriter how many keywords they would recommend targeting on each page. Hopefully theyll suggest no more than 3, preferably 2. By targeting 2 keyword phrases per page, you can use them a lot without impacting readability.

4) Clear agreement on who will provide keywords

Someone needs to perform a keyword analysis in order to figure out what words you should be trying to rank highly for. Your SEO copywriter should be able to do this for you, but its quite often more cost-effective if someone a little closer to the business does it. Either way, make sure your agreement with your SEO copywriter makes it very clear who is performing this task. Dont assume the SEO copywriter is going to do it, because they may assume youre going to do it, and then youll blow your budget.

5) Keywords or keyword phrases

Expect your SEO copywriter to offer some advice regarding how specific you should be with your keywords. In most industries, the competition for keywords is so fierce that youll be forced to target very specific keywords in order to rank at least at the outset. For instance, if youre in IT, you probably wouldnt start out by targeting the keyword IT. The competition is immense (at the time of writing, there were approx 3,240,000,000 results for this search in Google.com) and the IT giants already dominate the search engines for this keyword. Instead, try using a more specific keyword phrase like IT infrastructure consulting new york (at the time of writing, there were only around 4,000,000 results for this search in Google.com). The other benefit to targeting more specific keyword phrases is that youll generate more relevant leads.

6) Agree on word count per page

Always make sure your SEO copywriter gives you an indication of the number of words they expect to write per web page. While its necessary to have a decent body of words on most of your web pages, you certainly shouldnt have too many. What too many is all depends on your industry, the objective of the page, and the needs of your audience. Its always a delicate balance, but its certainly possible to rank highly with only 100-200 words per page. So dont be fooled into paying for copy you dont need!

7) Density targets & measure

SEO of a web page is NOT guess-work. A good SEO copywriter will talk about density measures. This is a measure of the number of time the keyword phrase appears on the page. Its expressed as a percentage of the total word count of the page. So if your page has 200 words, and your keyword phrase appears 10 times, its density is 5%. As a rule of thumb, your SEO copywriter should be aiming for a density of approximately 5% for your primary keyword phrase and 3-5% for your secondary keyword phrase. If your density measures are much higher than this, readability will be reduced, and youll risk being perceived as spam by the search engines. Make sure your SEO copywriter understands keyword density, is prepared to state the target density for each keyword phrase, and is also happy to be measured by that standard (should you decide to measure).

8) Where to place keywords

The question of keyword placement has been the subject of much debate amongst SEO copywriters. While it is still unclear how much impact placement has, there is a general consensus that it has SOME impact. Be sure that your copywriter is aware of this impact. Popular opinion has it that keywords are more effective if they appear in headings, bolded text, links, and generally toward the beginning of the page.

9) Some comment on structure & links

Websites are generally better indexed by search engines if their spiders can traverse the entire site using text links. This means your SEO copywriter should be linking each page to every other page using text links. If your site is complex, this may be impractical, so your SEO copywriter will need to create a hierarchical structure for your site. First, they should break your subject material down into categories. Then for each category, they should write a summary page. These summary pages should be accessible from higher level pages via text links. They should also be accessible from each other. Each summary page should link using text links to a number of pages discussing the finer details of the category. And each detail page in a particular category should link to every other detail page in that category (once again, using text links). This way the spiders are able to travel from the top of your hierarchy to the bottom, and from left to right across any level.

10) Dont believe grand promises

SEO copywriters can play a significant role in increasing your search engine ranking. But they cant do it overnight. By optimizing your site for your target keyword phrases, an SEO copywriter is simply declaring the relevance of your site. If you engage an SEO copywriter to write helpful articles containing a byline with a link back to your site, you can then submit these articles for publication on the Internet, and this will steadily increase your ranking. But if an SEO copywriter tells you they can dramatically increase your ranking in a matter of hours or days, be wary. NOTE: Your SEO copywriter should be able to submit your articles to various submit sites on the Internet. These sites are closely watched by hundreds of thousands of publishers of e-newsletters and article pages from all around the world. High quality articles are quickly snapped up and published prolifically. And each time your article is published, youve got another link back to your site, thus increasing the importance of your site (to the search engines). If youd like to submit your own articles, your SEO copywriter should be able to sell you a list of 50 or more submit sites for as little as USD$99.

Conclusion

An SEO copywriter is a valuable addition to your marketing function. But you need to make sure you choose wisely. When you know what questions to ask, the battle is half won.

Happy hunting!

Monday, July 30, 2012

Auto Insurance Articles

Car Insurance Rates Can You Lower Them?



Car insurance rates are prohibitive nowadays. Many families really struggle to pay the car insurance bill each month. And car insurance rates vary all the time. So if car insurance cost is an issue for you, what can you do about it?
The car insurance industry is a massive industry. It is also a highly competitive one, and car insurance rates vary over time as car insurance companies compete for business. Car insurance rates are often highly fluid.
It is entirely possible to lower the cost of your auto insurance rates by altering your behaviour, and you can do this by having a better understanding of how the rates are assessed.
Car insurance rates are based on an assessment of risk. Whilst insurance companies vary their rates to compete with other insurance companies, they also vary their rates based on their assessment of the risk posed by a particular driver driving a particular car. They do this because there is no point in buying business with low car insurance rates and then insuring high risk drivers at these rates. This is a recipe for losing money.
So, if you lower your risk, you lower your car insurance. How do you lower your risk? Well theres a number of ways that your own driving and car behaviour can affect your car insurance rates.
Have a look at the car you drive. Is it suitable for your current needs? If not then would it be worthwhile to consider a change?
Different cars attract different auto insurance rates. Sports cars, high powered cars and cars at greater risk of theft attract higher rates. How long have you had your car and would it be wise to think about another one that would be cheaper to insure and more useful to you?
Are you a safe driver? Do you stick to the speed limit? Are you at risk of other driving offences? Many people do not think about some of the consequences of speeding tickets and driving offences until after they have seen their subsequent car insurance bill.
Your risk profile is a direct result of your driving record. A clean driving record and you will be rewarded by cheaper rates. A poor driving record and you will be penalised, usually for quite a while.
Are you willing to attend driver training courses? Many car insurance companies offer specific discounts for drivers who have attended a course. Why? Lower risk.
Are you willing to drive less? Could you car pool or use public transport to get to work? Car insurance companies look at the amount of driving their clients do when assessing their car insurance rates. Why? Lower risk. Less miles driven equals less risk. And youll save on other car costs too.
So if auto insurance costs are an issue for you and your family there are things you can do. These are just a few of those things, there are many more. Car insurance rates are not set in stone.
For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Car Insurance as well as Cheap Car Insurance and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.

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