Reducing your rates through discounts

Posted on January 15, 2016 By

Discounts are a good way to stimulate the customer and increase loyalty in those who are already buying from you. We see discounts in nearly all domains where sales and services are present. And insurance is not an exception despite the fact that most car owners tend to think otherwise. Most insurance companies have special they use to appreciate low risk customers and attract new ones to their pools. Sure, most car owners have probably never heard of any discounts their current providers carry, simply because they didn’t bother to ask around and look for any discounts they could opt for. And insurers don’t bother to advertise their discount neither, since they want it to be exclusive rather than massive. So what discounts you can actually get from your insurer if you are persistent?

All companies have different sets of discounts they can offer to specific groups of drivers and the amount of each discount also varies from company to company. However, the general set tends to be the same across most companies so you might want to look out for the following types of discounts to save some money with:

Good driver discount

The name of this discount is pretty self-explicatory. If you have a clean driving record and don’t have any traffic violations or accidents for a period of time, your insurer will offer you a discount because of your low-risk profile. The main catch is that in most cases you will have to have a history with the current provider in order to opt for this discount. The period of time varies, but it’s usually 2-3 years with most providers. So it’s not a discount that you may opt for while getting your auto insurance quotes.

Good student discount

This can be a very effective way to cut rates for teen drivers who are “lucky” to have the highest rates among all age groups. Teens are regarded as high risk drivers because they don’t have much driving experience and usually tend to be more aggressive on the road. However, if you have an average of B and higher you may get a special discount for being a good student. This will require some paperwork as you will have to check in with your average on a regular basis. But you can get this discount even when considering auto insurance quotes.

Low mileage discount

This discount is quite beneficial for those who don’t use their cars too often. The limit of yearly mileage allowing the customer to opt for this discount varies from company to another, still the average value is 10,000 miles per year. If you’re driving less than this distance then you should definitely ask your insurance provider about cutting your rates. It’s very likely that you’ll manage to get lower premiums as a result.

Of course, there are many other types of discounts you can opt for in order to cut your premiums. Make sure to ask around and get a list of all the discounts your current insurance provider can offer. And if you’re looking for a new policy, also ask if there are any discounts offered by your potential provider.

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Access Free Insurance Leads

Posted on December 19, 2015 By

You can acquire free insurance leads from businesses that sell leads. Still, in trying to uncover the easiest scheme to generate them, you can fail miserably if you are unaware of what you are looking for exactly. Free leads must be uncomplicated to get. No insurance agent should have to fly all the way through numerous obstacles just to get a lead for free.

Luckily, obtaining leads for free is not that complex. Obviously, you have to first accept the idea of bringing forth your own insurance leads. There are different approaches on how you can accomplish this.

Others that provide ridiculously costly leads will offer you free prospects to lure you into utilizing their services. This tactic is not illegal or improper. Nevertheless, dealing with these businesses can be a budget-buster. Numerous companies tend to be allured by a free lead. Regardless of how desirable the product or service, if it is way above your budget, all your resources is going to be utilized, leaving you with nothing for other areas of your product promotion.

Attempt to imagine a business with thousands of clients purchasing their brand of footwear. Think differently and picture the earnings that this company may produce when they offer other footwear-related items in conjunction with another business. There is a big possibly of an additional income.

When you call a client via telephone or send an e-mail or postal mail, bear in mind the search criteria the company makes use of when producing their leads. A businessperson may customize his/her insurance products towards the particular needs of every kind of prospects. If the provider can produce a secure atmosphere with regard to potential clients, they are to land new customers in all likelihood. Therefore, you need to tackle every contact just like a part of your family, treating him or her with integrity and respect. Additionally, keep trying to find methods for getting free leads if this is exactly what does the job best for your company. Remember, the leads you got for free need insurance as much as those leads that were purchased.

That is how you can obtain more insurance leads. Try to collaborate with 3 to 4 businesses and you will be advancing your company’s sales. You can work with the most adept sales agents, mix your own listings with theirs, and get hold of the choicest and most competent leads free of charge.


How to Merchandise Scrap Silver in Two Simple Steps

Posted on November 7, 2015 By

Do you have a silver scrap at home? Are you thinking of throwing these items away? Stop! Don’t just throw them away. Even if they are do away with items, you can still garner cash and get something out of your old silvery items. Skim online and search if there are people into buying old silver items. You’ll be amazed on what you are about to uncover. If uncertain on how to peddle your silvery scrap items, you’re here for a treat. Here’s how: Step 1: Know the Value of Your Scrap Gold Items: Prior to marketing your silvery pieces, you need to identify its value and purity. How? It is very easy indeed. There are websites that can assist you in calculating the value of your silvery items. There are two numbers that you need to get on your end – the weight of the item and its grade. The weight of the items is normally converted to grams. Say you are unsure of the grade of your scrap silver. No need to fret. By and large, solid silver items are sold with a grade. If you see a hallmarked of .925, .975, .999 And so on and so forth on your silvery items, you should understand that these numbers are known as the silver grade. Step 2: Explore, Ask and Find Potential Buyers As already mentioned, there are people who really ready to procure scrap silver and generally they are involve in the business themselves. You can get prospective buyers in your community or just by sitting at home and browsing through a trustworthy computer. Following are specific ways on how to sell your silver scrap items: Benefit From On-Line Auctions The improvement of technology has greatly revolutionized the way people peddle and promote their products. Today, people can buy, sell items online and post their items in on-line auctions. It is very convenient and user-friendly as well. Research and find a reliable website. Then you can create your online account. After which you can post pictures of your silver scrap items and wait for possible buyers. However, take hedge when posting your items online as there are websites that preyed on innocent individuals. In no way publicize any personal account information as there are thousands of people who claimed to be fatalities of identity fraud. Visit Your District Pawn Shop If you wish to get rid of your silver scrap fast, then pawn shops are your best bet. Although they are not highly regarded as they have a propensity to give you a lower appraise for your silvery scrap items. The next time you drop by your local pawn shop, take your silver scrap with you and check if the management is interested. Find Trustworthy Coin Dealers in Your Locale Many deem as true that coin dealers only buy silver and gold coins items. However, there are coin dealers who also buy scrap items. If you can find a coin dealer in your community that is into buying scrap silver then you’re fortunate. Then again, be mindful of people you are transacting with. In the buy and sell business especially gold and silver, there are so many indecent people who will give you a high price for your items and then will turn out to be a counterfeit. To avoid being a victim, check the company and the person’s reputation. You can ask around or google the person to discover more details about your elected coin dealer. Another option is to check if the coin dealer is a part of a licensed group known as the American Numismatic Association or the Professional Numismatists Guild. They are following a certain guideline when transacting with gold and silver items. Honestly, marketing your silver is very easy. So do not throw them away. Even if they are just scrap you can earn and get paid. Take hedge and follow the pointers above and you’ll surely find great deals when you sell your scrap silver coins and other items. Cheers!


The History and Evolution of Private Banking

Posted on October 27, 2015 By

There is absolutely no doubt about the fact that more and more people are now interested in private banking. Simply put, private banking is all about offering custom-designed banking services to wealthy clients. Although servicing corporate clients has always been the core business area for banks, more and more banks are now also paying more attention to managing the assets of wealthy individuals. It is worth mentioning that there is an increased demand for these private banking services because households are now also expressing their interest in getting tailored financial advice.

Since private banking has become a lucrative banking segment, you can see several asset management firms entering the industry. However, it’s important to mention that things haven’t been so good for these private banks in the past. It has taken many years for banking services to attract people. But these services have a rich and interesting history.

The services most private banks offer trace their roots back to 2,000 B.C. The industry was then taken over by the ancient Greece. That was the time when government and private bankers specialized in changing of coins, money lending, letters of credit, and paying interest on deposits. Here, it is important to point out that in ancient Rome banking was always a private enterprise that was carefully regulated by law. It went like this until Augustus, who was the first emperor of Rome. He changed everything and cornered the market.

The next phase started with the fall of the Roman Empire when private moneyed individuals were asked to deal with all matters related to money. This was the time when “poverty banks” came into being and lasted until the 8th century. However, there was another change around the corner with the churches taking control and monopolizing the banking sector. It stayed like this from the 8th to the 13th century.

It was in 14th century when Switzerland, which is still considered a banking hub, started taking part in the evolution of private banking. It didn’t take long for Geneva to become an important trading center in the 14th century, which was mainly due to its perfect geographical position in the center of Europe.

Things continued to evolve like this and more and more private banks started offering unique services to affluent clients. These services were different from what you expect from a typical banker. The assistance they offered was to deal with different tasks such as assisting a trustee likely to violate the terms of trust due to family pressure, overseeing the restoration of a client’s vacation home, delivering currencies and passports to rich travelers, and so on.

Today, most private bankers are only concerned about helping their clients manage their wealth in the right way. That’s why they call their profession “wealth management”. But you will also find some private bankers metaphorically typify themselves as boards of directories for affluent clients and families.

The fact of the matter is that private banking has gone through some interesting phases and the history is full of vicissitudes. But one thing is for sure that the availability of these services is nothing less than a blessing for affluent clients who find it difficult to manage their wealth.