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How to Get a Good Deal on Auto Insurance

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A trip to the local grocery stores makes it obvious that we live in a time of options. A variety of the same product makes it difficult to choose just one. It is a time consuming event to decide which one of the multiple types of product a consumer really needs. Further, how do we decide if there is a noticeable quality difference between the generic brand and the name brand? Finally, is there enough of a price difference to justify choosing one product over another?
Auto insurance is much the same way. There are an overwhelming number of companies and products to choose. The good news is that, because there is a vast array of options, the market is very competitive. Consumers have to determine their need, shop around, and put the competitive market to work for them.

Determine Your Need

Each state sets minimum auto insurance requirements. These minimum standards are intended to guarantee that all drivers have some level of insurance protection. Rarely are these minimum standards sufficient to cover the assets of most motorists. Here are the basic types of insurance that motorists will want to consider:

- Property damage liability covers the repair or replacement of the other party’s car and property. – Consumers should make sure they have enough liability protection to cover the high cost of automobiles. – Uninsured motorist insurance will pay for the medical, rehabilitation, and suffering expenses of the victims in your car. – Personal injury protection covers medical, rehabilitation and related costs for household members. – Collision provides coverage to repair or replace the policyholder’s car after an accident. – Comprehensive insurance covers the automobile and its contents in the event of theft, fire, water or other unfortunate events.

A deductible amount will have to be determined along with the necessary coverage. A deductible is the amount of money that the insured will be required to hand over to a repair facility before the provider will pay.

Shop Around

The Internet has radically simplified the auto insurance shopping process. There are a number of companies that will present a quote through an online process. Some sites will allow consumers to compare rates across several companies at once. Be sure to check each company’s financial rating and ask around for referrals before selecting a provider.

Ask About Discounts

The highly competitive field of auto insurance has caused some companies to offer discounts for things like educational achievements, safe driving records, and vehicle safety features. Also, most companies will offer discounts for insuring multiple lines such as home, boat, and automobile. Ask a potential insurer what discounts are available before making a final decision.

It may be a good time to review any existing policies already in force. Have there been any lifestyle changes that require a policy modification? Do you need to add additional coverage such as rental car reimbursement or roadside assistance? Consumers can get a good deal on car insurance by determining the needed coverage, shopping around, and putting the competitive market to work for them.

Quit Smoking to save money on your life insurance quote

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Does smoking affect my life insurance quote?
Yes, smokers tend to pay more for online life insurance quotes compared to their non-smoking counterparts. This means that in the UK, there are approximately 10 million individuals (ASH, 2014), who are paying more for their life insurance premiums simply because of their choice to smoke.

Why do smokers have to pay more?

As expected, heath is a major factor that is taken into consideration when taking out a life insurance policy. It is a sobering reality but smoking is associated with many health-related problems. Recent statistics by ASH (April, 2014) show that every year, over 100,000 smokers in the UK die from smoking related causes, accounting for over one-third of respiratory deaths, over one-quarter of cancer deaths, and about one-seventh of cardiovascular disease deaths. For this reason, insurance companies view smokers as high-risk customers who are more likely to claim on their life insurance or critical illness policy and this risk equates to higher premiums for these smokers.

How much will smoking raise your premium?

Smokers’ premiums will vary depending on the insurance company, lifestyle variables, age and health but on average the cost is often double compared to non-smokers.

For example:

Case study: A 39 year old, administration male worker who smokes. Life Insurance term 25 years up to £100,000 cover = £14.86 per month.

Case study: A 39 year old, administration male worker who does not smoke. Life Insurance term 25 years up to £100,000 cover = £7.77 per month.

Therefore you could save £2,127 over the life of the policy.

How do life insurance companies define smokers?

Most insurance companies define a smoker as someone who has used a tobacco product in the past 12 months. Usually they do not differentiate between different types of products such as cigarettes, cigars, pipes or chewing tobacco. The same applies to user-habit. Irrespective of whether you are an occasional smoker or a pack-a-day smoker, the insurance companies view the health risks as significant for all smokers. Individuals are urged to respond to the insurer’s questions honestly and accurately because, if one is discovered to have been deliberately deceptive, (validated through medical records and medical examinations) the life insurance claim may be denied.

Are you classed as a smoker if you use e-Cigarettes?

In recent years, electronic cigarettes have experienced a surge of popularity with approximately 2.1 million adults in Great Britain currently using them (ASH, 2014). Although e-Cigarettes do not contain any tobacco, they do contain Nicotine. According to the Association of British Insurers said there is “a lack of medical evidence as to any long-term health benefits” regarding e-Cigarettes and added that “an insurer is increasingly likely to ask if the proposer is using nicotine products, as opposed to what is the weekly tobacco consumption”. Therefore to qualify as a non-smoker, individuals should be tobacco and nicotine free for over 12 months, including e-Cigarettes, nicotine patches and gum.

Quit smoking to save money

The benefits of quitting smoking are plentiful. Not only does it increase health and fitness, it can also improve one’s bank balance. Combined with the decrease in premium prices and from no longer paying for expensive cigarette packs, ex-smokers may find they have more disposable income to spend on other, more rewarding things.

Quit smoking? What should you do next?

If you have been smoke and nicotine free for a minimum of 12 months contact your insurer and you are likely to qualify for lower insurance premiums. However it may be advisable to compare life insurance premiums with other companies to see if there are any cheaper alternatives available on the market.

How Driving Licence Insurance Can Save you Money

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If you were asked to list your most highly prized possession, it’s likely your driving licence wouldn’t make the top 10. Yet, when you consider all that it enables you to do, it might be worth a little reconsideration.
Having a driving licence affords a level of independence and freedom that previous to, would not have been possible. Whether it’s popping to the shops at a moment’s notice or not having to rely on train times to dictate your daily plans, it’s safe to say that your little pink card makes life a whole lot easier. So what are you doing to protect it?

With life’s everyday demands and stricter sanctions on speed limits, it can be all too easy to tot-up points on your licence. These can, in turn, lead to a driving ban. In the UK last year, 92,136 motorists were disqualified from driving (IAM, 2014) emphasising that licence loss is very much a reality.

If you were at risk of losing your licence how would you cope?

The legal fees involved in a motor prosecution defence can be eye-wateringly expensive, not to mention stressful. And if you were disqualified as a result, adapting to your new circumstances can be difficult. Without the freedom to drive away at a moment’s notice, you’d have to rely on taxis and public transport to get from A to B. In time, the daily cost of travel can really mount up, an added expense you could do without.

The great news is that there are many insurance products out there specifically designed to give disqualified drivers a helping hand. Some insurers for example, offer a disqualification benefit, providing monthly instalments to the insured during their disqualified period. This benefit can be used to finance alternative transportation costs, providing a clever way to combat post-ban bank-balance woes.

Typically, these policies also include much more than just a disqualification benefit, offering services such as motor prosecution defence to try to prevent your disqualification. Always in the hands of a trained professional, motor prosecution defence provides another way to save money by side-stepping unexpected legal costs, helping to evade or at least reduce the effects of your prosecution.

Insuring your driving licence will help ensure that, whatever lies in the road ahead, life can drive on smoothly.

Five Surprising Secrets About Internet Advertising Agencies

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The world is changing every single day, and perhaps the biggest changes are those that deal with technological advances in every facet of life. These changes don’t wait around for anyone, and if you’re trying to run a successful business in this day and age, internet advertising agencies are probably the best way to help keep up with the times. These specialized companies are aware of the changes happening from moment to moment, and they are well-versed in finding the data to help structure a promotion strategy that best suits your business.
As with most digital or net-based things, there are a lot of players in the digital agency field, which makes it pretty hard to know who has your best interest in mind or who happens to be blowing smoke. The truth is that it isn’t easy finding the right internet advertising agency. It takes work to find the right agency for you.

Of course, it also helps knowing a few secrets about these agencies and how they operate. It’s like pulling back the curtain a bit and seeing how the sausage is really made. If you’ve thought about bringing in an internet advertising agency to help your bottom line, here are a few things you may not have known:

Balance Between Consistency and Quality — When it comes to digital content, being consistent with the amount of posting you do and when you post are all critical for success. It’s also important to remember that it has to be quality content both in message & the actual product.

Video Is King — Some agencies shy away from video content as a cost-cutting measure or because they don’t specialize in it. Unfortunately, video is king in the digital content world, and if you don’t have at least a few toes dipped in that pool, you’re really missing out.

Interaction Is Vital — A good agency will push you to engage with your customers & the public in ways you may not have before. Previously, you might have hammered out a pretty good marketing strategy & set it into the world to work its magic. That’s a thing of the past now. Without meaningful interaction on your part, your content will fall flat.

Intrusions Must Be Avoided — Internet ad agencies are always on the fine line of capturing people’s attention with content and bugging them without too much content. If an agency is pushing for what feels like an inordinate amount of content, you should probably step in & say, “Whoa.”

The Scientific Method — We remember it from elementary school, and in the same way it allowed us to grow a plant from a pinto bean, making digital advertising & marketing work for you is a science. You have to ask questions, form hypotheses, experiments, and so on. It takes time to get results, so you need to be patient.

Internet advertising agencies are a part of the business landscape nowadays, so rather than shrink away from working with them, it might be a good idea to see what some of these agencies have to offer. You might find that their expertise in the digital world may be the edge your business needs to get things moving in the right direction. Keep in mind that not all agencies are created equally, so do your homework and take your time in finding the agency that suits you best.

How To Develop an Effective YouTube Content Strategy

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YouTube is the most famous video sharing platform in the world. It has become the second largest search engine online after Google. If you are planning to become a content creator on YouTube, it is important that you have a very viable content strategy planned beforehand.
Let’s have a look at some of the tips that might help you formulate an effective YouTube content strategy:

1. Choose Your Content Niche Beforehand

Making a video that goes viral doesn’t necessarily have to involve cats talking like humans or pulling off an extreme prank on unaware public. Video viewers might watch a variety of YouTube videos to just relax or to research or to even learn something useful. So, choose a niche that you may be good at. It could be anything. It could be giving out movie reviews, restaurant reviews, gadget reviews, how to make best from waste, DIY hacks, make up tutorials, tips to memorize things or even guitar lessons. Viewers should find your video entertaining as well as informative. Content is the king these days and it is wise to develop your YouTube content strategy by selecting the niche you are good at and can eventually flourish at. It is also important to make the videos relevant and interactive by keeping the viewers in mind and state reasons as to why they should watch your video and how it can help them. For example: If I am creating a video whose title is “Learn A B C D”, the last thing I should do is use difficult English words in the narrative. It is very likely that the 5-8years old kids might not be able to grasp such language.

2. Build a Timeline for Content Publishing

It is not possible to have an effective strategy if you do not chart out the frequency of video uploads with the relevant content. Don’t be demotivated if your first, second or even the first fifteen videos have a lesser viewer count than your expectation. It is important to not lose hope and consistently upload videos on your channel. Popular brands and channels have a frequency of posting videos every second day or third day. It is important to have a timeline of at least 3 months mapped out which chalks out what kind of video will be published and when. You can keep several occasions or festivals in mind and make videos accordingly if you plan well in advance. For example: If I am posting videos about “Save Environment” and motivating people to take necessary actions accordingly, it will be quite an irony if I don’t mention “World Environment Day” in any video on my channel. Hence a pre-planned timeline will work well, with certain modifications according to audience reactions.

3. Search Optimization is Essential

Don’t forget that there might be several content creators posting a video on the same topic as you are or they might have already posted one on the same topic. In such a scenario, how can you get your video rank higher in the search results? The answer to this question is, by performing search optimization. There are several ways in which you can optimize your videos to rank higher in the search results of the user. • Include an important keyword in the title of your video. • Draft and post a detailed and well explained description for your video. • Use relevant tags for your video according to the content. • Customize your thumbnail so that it looks relevant to your video’s content.

4. Focus on Community Building

It is the age of interaction. Just posting videos at regular intervals will not help your YouTube content strategy. It will not help your YouTube family grow. It is important to interact with your followers, urge them to like, share and subscribe to your channel. Make interactive videos which urge the user to think and be responsive instead of just listening and skipping ahead. Interact with the audience by replying to their comments and giving them helpful insights. This will build a very loyal and highly engaged audience. For Example: If I am posting a makeup tutorial video. The viewers might have a question regarding which brand I used as the eye liner or what is my daily face routine. By replying to their questions with relevant answers, they feel important and connected to you.

5. Establish Your Brand Through Videos

There are several options available on YouTube which help you endorse a particular video of yours through another video of yours. You can create a card and display it on your own video. This card includes the link of a related video or a featured product from your own channel. You can use this card towards the end of a particular video so that the audience stays engaged with your channel instead of choosing another channel’s video even after they are done seeing your video. Use the end screen of your video to familiarize your brand by placing your logo or animation along with the sound or song that reflects your channel’s content theme. Use similar colors in your logo, fonts and credits so that audience relates to you even more. This will help in creating and growing your brand identity.

These were a few tips that can help you create an effective content strategy for YouTube. However, there are many minute details involved in this process and it can often be time consuming as well. You might have less or no time to create such detailed content. In such cases, it is best to hire a YouTube content agency which can assist you in building content as well as market it efficiently. With their expertise and approach, you will be at the forefront of content creation.

4 Tips to Starting an Advertising Business Internet Marketing Company

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Internet marketing continues to increase in number and sales as more and more businesses realize the power of the Internet. It is incredibly easy to market over the Internet, and can be relatively cheap. This simple and cheap resource has the power to convert thousands of people to customers and clients.
Your #1 Trusted Source for Affiliate Marketing Training and Traffic Generation

There are plenty of businesses that are looking for help with their own Internet marketing. Those who are looking to get into this market may want to start their own advertising businesses Internet marketing company. Your ability to work the Internet marketing market may provide you with a profitable and popular business.

There are multiple tips and tricks that will help you to get the most out of your business. These four tips will help you to start the perfect Internet marketing company, providing companies with the marketing that they need to succeed.

Research Internet Marketing

If you are thinking about starting your own company you need to understand everything that there is to know about Internet marketing. You need to work to understand the different tactics at your disposal, and how to use them effectively and efficiently. You need to know how to connect to consumers, and how to actually reach those consumers. The more research that you complete on Internet marketing the more successful your company will be.

Know your Competition

There will be plenty of competition for you to go up against as you start your own Internet marketing company. You need to work to understand as much about this competition as possible. Understand the tactics that they offer, the prices that they charge, and the work that they complete. You need to stay one step ahead of the competition to be able to catch the attention and interest of possible consumers.

Brand your Company

It is incredibly important for you to brand your company. You want to have a specific image and tone that you project to possible clients and consumers. Take the time to brand yourself, thinking about your name, logo, and style. Strong brands give off a confident look and feel, helping to make clients feel more secure about your services.

Price your Services Reasonably

While you want to make money, you also want to attract business. Price your services competitively to get clients interested in your business. You need to do some research to make sure that you are charging the right amount of money for your various marketing services.

It is important to consider all of your options when starting an advertising business Internet marketing company. You want to know exactly what you are getting into, and what your competition has to offer. You then need to work on your brand and your pricing to see the success that you crave. Follow these tips to get the best start possible for your Internet marketing company.

3 eCommerce Challenges & Solutions for Tough Times

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How to Start Selling Online More Effectively
To call these “tough times” may be a bit of an understatement to you, or perhaps you’ve pivoted your marketing strategy nicely and aren’t negatively affected by the COVID-19 crisis.

There’s no arguing this pandemic has led to increased internet traffic as people work, socialize, and entertain themselves online.

Distributel, a company that buys wholesale access to Rogers Communications Inc.’s internet backbone, has seen a traffic increase of about 50%, according to this article.

But an increase in internet usage doesn’t necessarily translate into increased sales for your small business.

Many consumers are hesitant to buy, either because they aren’t sure when they’ll be able to use the service you sell, or because they’ve been laid off or have had their hours reduced.

That’s why I’m sharing 3 eCommerce challenges and solutions to help you maintain and even grow as an entrepreneur during this crisis.

The Challenge: Making Your (eCommerce) Business Essential Many entrepreneurs are panicking because they don’t have a traditional eCommerce business model, or an eCommerce website.

And, many worry they don’t have an “essential” enough product or service to offer online, like grocery stores do. (According to Apptopia, downloads of Instacart, the Walmart Grocery app and Shipt have increased 218%, 160%, and 124% compared with a year ago.)

Okay, so chances are you don’t sell groceries. But you can still be essential to your customers.

Are there certain products or services you can focus on that will better serve your target audience? For example:

? If you have a clothing store: fabric face masks, casual outfits for working from home ? If you offer financial, life, or other counseling services: 30- or 60-minute mental health sessions; many people are feeling lonely and isolated because of COVID-19 ? If you sell entertainment-related items: create short videos highlighting games, crafts, or puzzles that will be fun for bored kids or adults

While it’s not possible for every small business to pivot this way, the reality is that if you don’t adjust to this “new normal” as much as possible, your small business will suffer.

Changing your marketing strategy can be tough, but it’s amazing how a bit of creative thinking can transform your situation and increase your web presence.

The Challenge: More Customer Questions & Complaints While having a phone number on your website and in your Google My Business results may have been enough pre-pandemic, your customers need your support now more than ever.

More people online means an increased number of questions, comments and complaints could be coming your way.

I’m sure you’ve been incredibly frustrated at one point after being put on hold for ages, or not getting an email back when you inquired about something. Don’t let your customers have a similar experience on your website.

If you don’t have the capacity to manage customer service, consider implementing a chatbot to increase your web presence. A chatbot allows business owners to provide responses and solutions—and even generate leads and sales—24/7 through automated customer service live chat.

According to IBM, up to 80% of routine customer service questions could be answered by a chatbot. While not every query can be tackled by a chatbot, it could take on the easier, yet still time-consuming, questions your customers might have. Learn more about chatbots here.

The Challenge: Website Tech Issues Let’s say you already have an eCommerce site for your small business. If you have a broken link, 404 page or slow loading times, your visitors will go elsewhere. (This is true all the time, not just during COVID-19).

Even a clever 404 page can’t save you from losing visitors (and potentially sales).

Also, you’re not going to build trust among your audience with a poor user experience. Nobody is going to enter their contact or credit card info if they don’t trust your website.

Not to mention, an unkempt website is a target for hackers.

Remember: You’re not only responsible for protecting your own data, but also for your visitors’. Security requirements are always changing, and no small or large business is safe.

That’s why it’s essential to monitor for glitches, update your software and back up your site regularly for an optimal user experience.

Now, what if you have to start selling online in response to COVID-19? While there are sites out there that let you start an eCommerce website yourself, remember that your website is your number one marketing tool.

From calls to action to the font type and images on your pages, how you present your small business to the world makes a big difference to how you’re perceived.

Also, you’re not going to have the same customization options if you go the DIY route.

A professional web development company will understand not only the technical aspects of the build, but also the best ways to get your message across to your target audience.

READ: 17 Strategic Business Pivots to Make in the Time of COVID-19, on our website. Just like that we woke up in a different world! The coronavirus epidemic has completely changed our lives and transformed the way we do business.

For many, this can be an incredibly frightening time to be a business owner. You worry about the health of your employees and the business, the bills that keep coming, your income and family obligations.

But rather than let worries overwhelm them, smart small business owners can use this opportunity to plan and prepare for future growth and success. We’ve created a COVID-19 checklist to help you make the most of this uncertain time.

Whether you have to start an eCommerce website from scratch or adjust your existing marketing strategy to increase your web presence, now is not the time to sit back and wait for the pandemic to blow over.

Right now, your target audience is “living” online, so you’re going to have to tackle eCommerce business challenges as quickly and smoothly as possible. Be proactive, pivot your marketing strategy, and learn from this journey!

To Your Business Success Susan

Build Better Brand Association with Brand Merchandises

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The civilization has evolved and with the process of evolution; the humans have lost touch with the heart and have become mind centered. To succeed in this competitive ecosystem, you have to influence the minds because touching hearts does not make business sense as far as revenue generation is concerned. If you look at human behavior and endeavors, you would realize that human operates more from the mind and less from the heart, in fact, human acts from accumulated memory called “knowledge”.
And as a brand, you have to strategize your brand communication tactfully to attract, influence and remain active in your consumer’s mind because each moment brands are flooding your consumer’s mind with brand messages and amidst that chaotic frenzy retaining the frontier of being the top of the mind brand needs serious marketing communication tactics. And it requires you to create a close brand association with your consumer’s life.

So, how are you going to develop that association? Of course, through insightful 360-degree marketing communication that includes digital marketing, Television ads, print media, OOH (out of home) platform, events and brand merchandising. In fact, brand merchandising such as messages imprinted on caps, t-shirts, and cups are the great ways of remaining connected with consumer’s life thereby initiating a close association with your customer’s daily life.

But you need to craft those merchandises carefully with the proper message, quality materials with a superlative screen printing company that could accentuate the visibility of the brand presentation. And you can’t take chances with the quality of the merchandise because if the sophistication of the materials deteriorates quickly, then it will impact your customer negatively that means you have to produce the highest quality brand collaterals to maintain the value aspect of your brand.

And you have to work with an expert printing company that specializes in this particular segment. Apparently, color accuracy plays a vital role in brand printing solution because the color scheme of your brand determines the brand essence and ideology appropriately. More importantly, the right color combination and logos act as mnemonics that means the customer remember you by the color and style of the logo your brand carries because human’s memory works with symbols.

Therefore, the need for superlative TSHIRT printing Dubai increase substantially; perhaps becomes imperative. So, choose the printing company wisely. And before you assign them the job, make sure that you verify the quality of the artwork, ask them to print a sample first for you to know the quality of the print. Because your brand campaign plays the key role in your success, you should remain critical at every step.

Undoubtedly, brand merchandising is the best way to stay connected with your consumer’s life. In fact, you can extend the branding to the supply chain by providing brand merchandises to dealers and distributors to increase brand visibility, frequency and reach. In fact, this is the effective way of increasing brand equity as the merchandises can travel, live, and stay with your customers. Hence, determine the best materials and better print solution to yield superlative results.