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	<title>Import Car Insurance Atlanta</title>
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	<description>Import Car Insurance Atlanta</description>
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		<title>General Motors To Concentrate On Small Cars</title>
		<link>http://importcarinsuranceatlanta.com/18/general-motors-to-concentrate-on-small-cars/</link>
		<comments>http://importcarinsuranceatlanta.com/18/general-motors-to-concentrate-on-small-cars/#comments</comments>
		<pubDate>Tue, 15 Mar 2011 02:43:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Compare Car Insurance]]></category>
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		<description><![CDATA[General Motors India is thinking of concentrating more on the small car segment. Compare to the mid-size cars, the Chevrolet small cars are making superb sales in India. Now the car manufacturer has decided to sell more small cars compared to mid-size and executive sedans and high-end SUVs. For instance, the mid size Optra&#8217;s market [...]]]></description>
			<content:encoded><![CDATA[<p>General Motors India is thinking of concentrating more on the small car segment. Compare to the mid-size cars, the Chevrolet small cars are making superb sales in India. Now the car manufacturer has decided to sell more small cars compared to mid-size and executive sedans and high-end SUVs.
</p>
<p>For instance, the mid size Optra&#8217;s market share fell from 12.6 percent to 3.04 percent from April 2008 to February 2009.
</p>
<p>The car manufacturers are experiencing top-notch growth in the small car segment and therefore continue to focus on them. Chevrolet Spark, one of the popular cars from its stable saw a growth of 4.14 percent in February 2009 against 3.65 percent in April 2008.
</p>
<p>According to auto industry analysts, GM has moved its focus in idea of the fact that 75 per cent of India&#8217;s passenger car market is dominated by compact cars. The car manufacturer is now concentrating at the volume rather than the value aspect in order to push the sales.</p>
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		<title>Ten Ways To Negotiate Affordable Car Insurance Rates For Students</title>
		<link>http://importcarinsuranceatlanta.com/17/ten-ways-to-negotiate-affordable-car-insurance-rates-for-students/</link>
		<comments>http://importcarinsuranceatlanta.com/17/ten-ways-to-negotiate-affordable-car-insurance-rates-for-students/#comments</comments>
		<pubDate>Sun, 27 Feb 2011 18:00:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Farmers Car Insurance]]></category>
		<category><![CDATA[allstate car insurance]]></category>
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		<description><![CDATA[Insurance is all about statistics and risks. Unfortunately for students, the statistics present that they are more likely to be involved in vehicle accidents and to show poor driving skills based upon their lack of driving experience and age. Affordable car insurance rates can be had for students who do their homework and make some [...]]]></description>
			<content:encoded><![CDATA[<p>Insurance is all about statistics and risks. Unfortunately for students, the statistics present that they are more likely to be involved in vehicle accidents and to show poor driving skills based upon their lack of driving experience and age. Affordable car insurance rates can be had for students who do their homework and make some concessions.
</p>
<p><strong>Defensive Driving -</strong> Plot approved defensive driving courses could offer a discount for student drivers. More education and driving instruction means safer drivers on the road. Many insurance carriers will give a discount for such instruction. However, classes that are mandatory because of traffic violations will not qualify for such discounts. The whole point of a defensive driving discount is to reward for knowledge and safety; traffic violations run contrary to safe driving practices.
</p>
<p><strong>&#8220;A&#8221; For Effort -</strong> Here&#8217;s another reason for students to hit the books. Good grades can pay off in the real world in the form of auto insurance discounts. Insurance companies often give discounts to students who maintain good grades.
</p>
<p><strong>Family Policy -</strong> A students insurance can be cheaper if they are insured on their parents policy instead of taking out their own insurance separately. A few calls and some research can determine the difference in rates for being insured with their parents or going it alone. Provided that the student qualifies to stay on their parents insurance and the parents allow it, it may be more cost efficient to consider doing so.
</p>
<p><strong>Resident Student &#8211; </strong>In addition to riding on a parents policy, students can receive a lower rate from the insurance companies that give a discount if the student is attending a school that is closer to home.
</p>
<p><strong>Higher Deductible -</strong> This insurance tip applies to everyone. A higher deductible can save you money on your policy, but you have to be prepared to cover the deductible should a collision occur. You have to weigh the cost versus the possibility that you won&#8217;t be able to afford to pay the higher deductible if the need arises.
</p>
<p><strong>Insurance Friendly Cars -</strong> A students dream car is rarely a car that will inquire a low insurance rate. Instead of opting for sports cars, a student driver should engage a car with a lower associated insurance risk to enact a better rate.
</p>
<p><strong>Skip Collision -</strong> Provided you don&#8217;t have a car note, you can probably skip collision coverage if your car has a low value. If you are driving around a cheap junker, then you can probably do without the extra expense.
</p>
<p><strong>Safety Features -</strong> If you do have a newer, more expensive car; you can shave some insurance cost off with safety features. Things like automatic seatbelts and anti-theft devices can net you some savings on your premiums.
</p>
<p><strong>Multiple Policy Discounts -</strong> Insurance companies want all your business. If they offer different insurance coverage, then they will usually give you a discount for bringing all your business to them. Renters insurance is a possibility for students who are away from home while going to school. For students who are on their parents policies, life insurance or homeowners insurance are options for additional coverage.
</p>
<p><strong>Shop Around -</strong> Sometimes a little extra leg work can mean big savings. Instead of automatically renewing with the same company; shop around and see what other companies have to offer and how they compare.
</p>
<p>All discounts and savings may not apply to certain students or be valid in certain states or with certain insurance companies. Produce sure you have all the facts about what discounts you are eligible for. One final tip; know that you can change insurance in mid-policy. There is no need to stay with a company until your policy expires if you find somewhere else you would rather be.
</p>
<p>Resources<br />Money Smart Life &#8211; <a href="http://moneysmartlife.com/college-student-car-insurance-tips-on-getting-the-best-rates-for-students/" target="_blank" rel="nofollow">College Student Car Insurance, Tips on getting the best rates for students</a>
</p>
<p>Rocky Mountain Insurance Information Association &#8211; <a href="http://www.rmiia.org/auto/teens/Buying_Auto_Insurance.asp" target="_blank" rel="nofollow">Teens Shopping For Auto Insurance</a>
</p>
<p>Auto Insurance Discounts vs &#8220;Discount Auto Insurance&#8221; &#8211; <a href="http://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx" target="_blank" rel="nofollow">Discounts On Auto Insurance</a>
</p>
<p>&#12288;</p>
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		<title>10 Secrets From Your Car Insurance Company</title>
		<link>http://importcarinsuranceatlanta.com/16/10-secrets-from-your-car-insurance-company/</link>
		<comments>http://importcarinsuranceatlanta.com/16/10-secrets-from-your-car-insurance-company/#comments</comments>
		<pubDate>Fri, 25 Feb 2011 08:15:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Farmers Car Insurance]]></category>
		<category><![CDATA[allstate car insurance]]></category>
		<category><![CDATA[car insurance quotes]]></category>
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		<description><![CDATA[Shopping around for car insurance is a given in today&#8217;s economy, but getting a decent premium price is just the beginning of what savvy car insurance shoppers need to focus on. What you don&#8217;t know can have a big impact on your wallet or pocketbook. Bright Money has some shiny tips for keeping as much [...]]]></description>
			<content:encoded><![CDATA[<p>Shopping around for car insurance is a given in today&#8217;s economy, but getting a decent premium price is just the beginning of what savvy car insurance shoppers need to focus on. What you don&#8217;t know can have a big impact on your wallet or pocketbook. Bright Money has some shiny tips for keeping as much of your money in your possession, and away from your car insurance company.
</p>
<p><strong>1.</strong> The motive for recommending a policy may be self interest, not your interest.
</p>
<p>Spacious auto and home insurers use &#8220;contingent commissions&#8221; to compensate agents that sell their policies. The basic two types of commissions are &#8220;steering commissions&#8221; for signing customers up for a particular insurance company, and &#8220;profit based commissions&#8221; for signing customers up who don&#8217;t file a lot of costly claims. The problem with the first type of commission is agents may sign you up to a company impartial for bigger commissions, and the second commission type agents would discourage you from filing a claim at all. Protect yourself by asking agents why they made a certain recommendation.
</p>
<p><strong>2.</strong> Young drivers are at a disadvantage proper from jump.
</p>
<p>According to AllInsuranceinfo.org it typically takes three years of driving experience to gain a lower rate. Drivers under 25, especially males are in a high risk group and will find it difficult to get insured. In the short term a lower rate is possible by picking a lower engine capacity vehicle, and staying away from high performance sports cars. Younger drivers can also ask their insurer how to come by a lower premium rate, which may be as simple as taking a defensive driving course.
</p>
<p><strong>3.</strong> Bad credit may harm you as well.
</p>
<p>According to the Insurance Information Institute, a New York based organization, over 90 percent of insurers use credit histories as a basis for insurance underwriting. Unfortunately, since the 1990&#8242;s insurers have found a correlation between low credit scores and filing multiple claims. Check your credit report for inaccuracies before shopping for insurance.
</p>
<p><strong>4. </strong>How are insurance premiums calculated?  &#8220;Good luck finding out for sure&#8221;
</p>
<p>Prices vary from state to spot, and according to a study in 2007 from The National Association of Insurance Commissioners the prices varied from a grievous of $664 in Iowa to $1,343 in the District of Columbia, based on a 2005 year long average of $949. Twenty years ago premiums fit into four or five pricing tiers, based on a persons age, where they lived, and their driving record. Now many more variables have been added, including home ownership and credit history just to name a few. Insurers use this information differently so it&#8217;s almost impossible to figure out where you stand with a particular insurer.
</p>
<p><strong>5. </strong>Car looks and runs huge after repairs, but the value just dropped.
</p>
<p>Even after using manufacturer parts and not generic after market parts your cars value may still diminish after an accident and repairs. So there isn&#8217;t a total loss the diminished value on the car can be written off your tax return. Consult your tax preparer to catch maximum write-off value.
</p>
<p><strong>6. </strong>Totaled your car?  No way your getting full value
</p>
<p>You may be surprised to find out that Insurance companies do not use standard sources like Kelly Blue Book to choose valuations. Instead many insurers use claims servicing companies. Don&#8217;t accept the first offer from your insurance company. Consult autotrader.com or Edmunds.com to find better comps, and verify prices on the insurers picture by calling the sellers listed. If that doesn&#8217;t work for you go through your own appraisal-arbitration process by hiring an appraiser, especially if the difference is $1,000 or more.
</p>
<p><strong>7. </strong>The car is declared totaled by Insurer
</p>
<p>It&#8217;s becoming even more difficult to have all repairs covered, which is what most policyholders would bewitch. An insurer is likely to declare your care totaled if repairs exceed 70 percent of the total value of the vehicle. It&#8217;s gets even trickier if the frame is damaged. If you don&#8217;t agree with your insurers declaration of totaled you can appeal the decision.
</p>
<p><strong>8. </strong>Your mechanic is under our employment contract.
</p>
<p>Insurers have always had recommended repair shops, but now in the last decade it&#8217;s gone a step further. Allstate in 2001 announced the purchase of a nationwide chain of car repair shops. Consumer advocates are nervous with this type of set up. Some site a conflict of interest, especially since insurers are trying to hold cost improper. Some insurers may reduce or waive your deductible if you exercise their recommended repair shop. Just have an after repair mechanic certify the job was done correctly.
</p>
<p><strong>9. </strong>Brand loyalty may not be a good idea.
</p>
<p>You might be better off comparison shopping once a year rather than automatically renewing with the same company. Gather a variety of quotes from Allstate, Progressive, Geico, and State Farm. You may be surprised at the results.
</p>
<p><strong>10. </strong>Switching Carriers may cost you so be careful.
</p>
<p>If your going to switch carriers make sure to get a new carrier before you cancel your outmoded carrier. Your vehicle must be covered by insurance at all times with no lapses. if their is a lapse in insurance coverage it may cost you dearly.</p>
]]></content:encoded>
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		<title>Being Prepared Before Shopping For Car Insurance</title>
		<link>http://importcarinsuranceatlanta.com/15/being-prepared-before-shopping-for-car-insurance/</link>
		<comments>http://importcarinsuranceatlanta.com/15/being-prepared-before-shopping-for-car-insurance/#comments</comments>
		<pubDate>Wed, 23 Feb 2011 04:14:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Compare Car Insurance]]></category>
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		<guid isPermaLink="false">http://importcarinsuranceatlanta.com/15/being-prepared-before-shopping-for-car-insurance/</guid>
		<description><![CDATA[Shopping for car insurance has become a circus act in current years. Turn on the radio, television or even surf the web and voila, there is an advertisement for the cheapest car insurance in town. Here&#8217;s what you need to assume about before you go shopping for car insurance. The first thing you want to [...]]]></description>
			<content:encoded><![CDATA[<p>Shopping for car insurance has become a circus act in current years. Turn on the radio, television or even surf the web and voila, there is an advertisement for the cheapest car insurance in town. Here&#8217;s what you need to assume about before you go shopping for car insurance.
</p>
<p>The first thing you want to do is look at your finances. Study at what kind of insurance you currently have, if you have it, and how much you pay, or can pay.
</p>
<p>Keep in mind that when you hear a commercial for low rates that nothing is free, and usually when you buy something at a discounted rate, you get service to match.
</p>
<p>You will want to look at your assets, and protecting them. Look at how much liability (lawsuit protection) you really want, or need, because that midnight traipse to the corner store could waste up in a four car accident with you at fault.
</p>
<p>Grasp a look at your car. If it was hit while you were shopping and no note was left, could you cover the entire repair bill?  If it was stolen, could you afford to replace your car on your own?
</p>
<p>Take a deep peer at your driving record. Any infractions will be found out sooner or later.
</p>
<p>In the state of California, there is no accident forgiveness. When you see an advertisement, always read the exiguous print. Many enticing offers are not allowed in California, but can be advertised nationally.
</p>
<p>Check Consumer Reports for insurance company ratings. Observe at ratings not only for claims, but customer satisfaction.
</p>
<p>Decide if you are an &#8220;online only&#8221; person, or if you like the face-to-face help a local agent can give you.
</p>
<p>Lastly, have all of your current information in one place so it is easily accessible when you decide to go for a quote.
</p>
<p>Good luck!</p>
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		<title>Car Theft Rates Can Increase Insurance Rates</title>
		<link>http://importcarinsuranceatlanta.com/14/car-theft-rates-can-increase-insurance-rates/</link>
		<comments>http://importcarinsuranceatlanta.com/14/car-theft-rates-can-increase-insurance-rates/#comments</comments>
		<pubDate>Sun, 20 Feb 2011 23:53:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Infinity Car Insurance]]></category>
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		<description><![CDATA[Insurance companies leer for any reason to raise your rates. It shouldn&#8217;t come as a surprise then that car insurance rates increase with higher car theft rates. Apparently, it&#8217;s the car owner&#8217;s fault when a car is stolen; therefore, insurance rates must increase to prevent any reoccurrence. At least, it sounds like a good reason, [...]]]></description>
			<content:encoded><![CDATA[<p>Insurance companies leer for any reason to raise your rates. It shouldn&#8217;t come as a surprise then that car insurance rates increase with higher car theft rates. Apparently, it&#8217;s the car owner&#8217;s fault when a car is stolen; therefore, insurance rates must increase to prevent any reoccurrence. At least, it sounds like a good reason, unless you&#8217;re the one paying the higher rates.
</p>
<p>~Think Before You Buy
</p>
<p>Some cars have higher theft rates than others. The Honda Civic, Honda Accord, and Toyota Camry are three of the most commonly stolen vehicles in the United States according to BuyingAdvice.com. It serves to reason that insurance rates for owners of these cars are higher than that of others.
</p>
<p>When shopping for your next car, do a little research in advance to stare theft statistics for your desired make and model. This may not be the most pleasant task, especially amidst the excitement of buying a unique car. However, choosing a less theft prone vehicle may save you time and money in the future.
</p>
<p>~Anti-Theft Devices
</p>
<p>Purchasing a vehicle with anti-theft devices can help decrease your insurance rates. In disagreement, a lack of anti-theft devices can increase your rates. Many auto insurers offer discounts depending on the anti-theft devices installed on your vehicle. However, these added features may cost more when purchasing a car. Not to mention, adding them on yourself can be quite a large investment. You may want to perceive at the savings in insurance rates versus the cost of the anti-theft devices before adding on too much.
</p>
<p>The list below features some of the more popular anti-theft devices for cars.
</p>
<p>-          Wheel Locks
</p>
<p>-          Tire Locks
</p>
<p>-          Alarm systems
</p>
<p>-          GPS Tracking devices
</p>
<p>-          Steering column locks
</p>
<p>-          Starter and fuel disablers
</p>
<p>~Research Insurers
</p>
<p>If your rates increase simply because statistics say your car is more likely to be stolen than your neighbor&#8217;s, then start researching insurance companies. Even if you&#8217;ve been with the same auto insurer for years, it may be time for someone unique. Many auto insurers offer discounts for new policy holders. Also, finding an insurer with discounts for safe driving, safety devices, and anti-theft devices can save you hundreds a year.
</p>
<p>Cars and insurance cost enough as it is. Your rates shouldn&#8217;t increase due to circumstances outside your control. Even if you can&#8217;t control the rates themselves, you can find discounts that will help balance your rates. Your model and city can drastically affect your insurance rates. Research the statistics before you prefer to find the best deals on car insurance.</p>
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		<title>Auto Insurance In The Us</title>
		<link>http://importcarinsuranceatlanta.com/13/auto-insurance-in-the-us/</link>
		<comments>http://importcarinsuranceatlanta.com/13/auto-insurance-in-the-us/#comments</comments>
		<pubDate>Mon, 24 Jan 2011 17:13:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Farmers Car Insurance]]></category>
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		<guid isPermaLink="false">http://importcarinsuranceatlanta.com/13/auto-insurance-in-the-us/</guid>
		<description><![CDATA[Auto mobile insurance is a sector that is faced with a lot of structural setbacks. It has been realized that due to lack of sufficient information on insurance policy covers bought by policy holders, many auto insurance buyers often grasp inappropriate coverage. Similarly, the hard economic times experienced in the United States has impacted greatly [...]]]></description>
			<content:encoded><![CDATA[<p>Auto mobile insurance is a sector that is faced with a lot of structural setbacks. It has been realized that due to lack of sufficient information on insurance policy covers bought by policy holders, many auto insurance buyers often grasp inappropriate coverage.
</p>
<p>Similarly, the hard economic times experienced in the United States has impacted greatly on the ability of the insurance buyers to purchase the right insurance coverage. Whereas the basis of auto mobile insurance is centered on the driver&#8217;s injury or death, and the vehicle damage, there are other factors that decide the appropriateness of an auto insurance coverage.
</p>
<p>Besides musty factors of bodily injury and property distress, other auto insurance policy coverage plays a well-known in obtaining conclusive auto insurance. Of these factors is the <i>Loan or lease payoff</i> coverage. In the Unites states, lease off coverage is also referred to as <i>GAP</i> coverage or insurance. This kind of insurance feature dates back in the 1980s. It was initiated by the government of the US, in order to protect the consumers or insurers from unpredictable market trends. For instance, the depreciation factor is one of the issues that domineered in the designing of this coverage.
</p>
<p>Auto mobiles are some of the assets whose value depreciates with time as they are subjected to use. Usually, they under go wear and tear with time hence loose their value. This is contrary to assets such as land whose value appreciates as demand increases with time. When a car is bought it deflates in value and will not have the same price worthiness after a couple of months or years.
</p>
<p>In some instances, vehicle bought through loan advancement, reaches a point, in which the amount owed on the car loan by the bank surpasses the value of the vehicle. This occurs because the vehicle has devalued. This is often known as &#8216;<i>upside-down&#8217;</i> equity. This negative equity implies that even if the vehicle is sold out to recover the loan, the amount it is sold at cannot cover the remaining loan amount.
</p>
<p>When an accident occurs and an insured vehicle damaged such that it cannot be repaired, the owner is still required to pay for the auto loan. GAP insurance is made to protect the auto loan borrower incase the vehicle depreciates beyond the unsettled auto loan amount. GAP insurance ensures that a waiver is advanced to policy holders when a disparity exists between the actual present value of a car and the amount of auto loan owed to the bank as at the time of an accident. This cover ensures that the consumer is not exploited by the nature of the market trend. It is not the wish of the consumer for a car for instance to devalue and land increase in value though both are assets.</p>
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		<title>How To Negotiate For Better Rates On Your Auto Insurance And Renter&#8217;s Insurance</title>
		<link>http://importcarinsuranceatlanta.com/12/how-to-negotiate-for-better-rates-on-your-auto-insurance-and-renters-insurance/</link>
		<comments>http://importcarinsuranceatlanta.com/12/how-to-negotiate-for-better-rates-on-your-auto-insurance-and-renters-insurance/#comments</comments>
		<pubDate>Sat, 22 Jan 2011 00:17:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Farmers Car Insurance]]></category>
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		<description><![CDATA[First off, let&#8217;s go over some of the typical discounts that auto and renter&#8217;s insurance companies give to safe drivers (those drivers not involved in a major collision for a status length of time, or not living in a high-risk state.) Already mentioned was the age discount. Safe drivers can usually negotiate for lower car [...]]]></description>
			<content:encoded><![CDATA[<p>First off, let&#8217;s go over some of the typical discounts that auto and renter&#8217;s insurance companies give to safe drivers (those drivers not involved in a major collision for a status length of time, or not living in a high-risk state.)  Already mentioned was the age discount.  Safe drivers can usually negotiate for lower car insurance rates starting at as young as 18 years old.  The following birthday tiers are 21 and 25.  These discounts are generally small, unbiased enough to make the consumer feel as though they shouldn&#8217;t need to shop around because they&#8217;re already getting a deal.  That isn&#8217;t usually the case, however.  At all three ages, a pleasant driver should continue shopping around auto insurance at least once per year.  You&#8217;re almost guaranteed to advance up with a good quote on the same coverage that will likely beat the price you&#8217;re paying now.  Give your agent the support of the doubt, however, and take the quote to him or her, and eye if they&#8217;ll beat it.  They just might.
</p>
<p>Another discount that is occasionally overlooked by unwary consumers is what is called a &#8220;multiple line policy.&#8221;  These policies may not necessarily be one policy, but several policies with the same company.  For instance, you might carry your auto, renters, and life insurance with ABC insurance company and get a discount for all three.
</p>
<p>Other discounts that may become available as your life changes are discounts when you get married, discounts if you drive your vehicle fewer than 5,000 miles per year (making it a recreational vehicle in the insurance company&#8217;s eyes), carpooling, and driving an older car.  Discounts can also include parking your vehicle in a garage, and renter&#8217;s insurance can be reduced by having deadbolt locks installed on doors not already so equipped, having more than one fire extinguisher in the apartment, or even something as simple as having smoke alarms in every room.
</p>
<p>Changing coverage on an older car can also significantly slit your yearly auto insurance premium.  If your car is more than 10 years old, you need to consider reducing your collision coverage to be more in line with the value of the vehicle.  In many cases, the cost of repairing these cars would exceed the value of the car, making it more economical to simply replace it.
</p>
<p>Negotiating with your insurance company to receive a lower rate on your auto and renter&#8217;s insurance is one of your rights as a consumer.  In order to be successful, however, you need to have competing quotes from other insurers who are offering the exact same coverage that you carry now.  When you&#8217;re in negotiations with insurance, you can&#8217;t compare apples to oranges and expect to win a serious response.  Keep yourself informed about the discounts you may already receive as well as the discounts you may not be getting, and then go negotiate a lower insurance rate with visions of victory!</p>
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		<title>The 5 Most Reasonably Priced Automobile Insurance Providers</title>
		<link>http://importcarinsuranceatlanta.com/11/the-5-most-reasonably-priced-automobile-insurance-providers/</link>
		<comments>http://importcarinsuranceatlanta.com/11/the-5-most-reasonably-priced-automobile-insurance-providers/#comments</comments>
		<pubDate>Tue, 21 Dec 2010 01:21:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance Companies]]></category>
		<category><![CDATA[allstate insurance]]></category>
		<category><![CDATA[American Family Insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
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		<description><![CDATA[The 1 thing most people today seriously should have but hate to purchase is automobile insurance Inexpensive automobile insurance is only appreciated when it is required after an accident or damage from a natural disaster The difficulty is that inexpensive automobile insurance is tough to come across unless you have that ideal mix of a [...]]]></description>
			<content:encoded><![CDATA[<p>The 1 thing most people today seriously should have but hate to purchase is automobile insurance Inexpensive automobile insurance is only appreciated when it is required after an accident or damage from a natural disaster The difficulty is that inexpensive automobile insurance is tough to come across unless you have that ideal mix of a clean driving record, excellent credit and insurance scores, live in the correct area, be in the proper age range, and drive a low risk automobile For the rest of us, we could claim to have reasonably priced vehicle insurance, but we have to work awfully challenging to make the premiums.</p>
<p>Drawing from personal encounter and some tricky work on the net, a list of organizations that provide competitively priced if not inexpensive automobile insurance When shopping for insurance of any kind, make certain that you shop Try as significantly as feasible to compare apples to apples Insurance agents like to construct in things to drive the price up to earn bigger commissions On line agents do the reverse and may well leave some key items out to make specific that they supply you the most cost-effective vehicle insurance, but it may perhaps not generally be the greatest for you Here is a list of five organizations that for the most component are well recognized and respected For comparison purposes, I have utilized an aging mini-van and not-very-new Dodge Intrepid for test purposes The only discounts considered are for safe driver and multiple vehicle coverage Various of these organizations give discounts for membership in some professional, governmental, and civic organizations Due to the fact there are hundreds of these, I suggest that you check with your corporation or agent for such discounts.Safeco Insurance Business is 1 that I have recent personal encounter as an insurance carrier For the two vehicles mentioned, the six month premium paid for monthly by bank draft costs $84 per month For this quantity, both vehicles carry both liability that is needed by law in most states and collision The collision deductible is $250 per incident and comprehensive is at zero deductible The liability limits are above the minimum at $100,000/$300,000 The policy does not consist of towing or rental automobile at this price It does contain underinsured and uninsured motorist coverage Medical coverage is limited to $5,000.The Hartford Insurance Organization is an additional great insurer that was considered For the exact same two vehicles, the cost was quoted at $68 per month via bank draft Although the price was lower than Safeco, there had been some differences in the policy The two main changes had been that the collision deductible was raised to $500 per incident The comprehensive was not obtainable at a zero cost deductible The quoted price included a $250 deductible on comprehensive At this level, a no-deductible on windshield glass that can be repaired is provided Liability and medical coverage was the exact same level as Safeco Uninsured and underinsured motorist, no towing, and no rental automobile are also the exact same.American Family was the next corporation viewed for reasonably priced vehicle insurance The quote on the two vehicles came in at about $65 per month on bank draft No changes had been noted in the liability coverage Medical, underinsured, and uninsured motorist had been included in the premium quantity Both vehicles had been covered for collision at a $500 deductible The comprehensive was set at a $250 deductible with repairable windshield damage excluded from the deductible The quote was obtained with out towing or rental vehicle coverage.Mainly because of their lizard and heavy TV advertising, Geico is the next organization considered for reasonably priced automobile insurance They quoted these vehicles at about $105 per month with numerous differences in coverage The liabilities, underinsured, uninsured motorist coverage was the exact same level The mini-van was quoted in this provide with out collision or comprehensive coverage Also, the comprehensive and collision on the Intrepid had been both set at $500 per incident Both vehicles had been once more quoted with out towing or rental vehicle.The final firm in this list is Allstate Having employed this business a few times in the past, I have discovered them to be competitive when looking for reasonably priced automobile insurance Having said that, for the quote on these vehicles, the monthly premium on a bank draft was $91 The coverage was the exact same as most of the other firms Both vehicles had been quoted with liability, comprehensive, and collision The comprehensive and collision both carry a $500 deductible with the exception for windshield repair Uninsured and underinsured motorist and medical coverage was included Once more, a rental replacement vehicle was not provided nor road hazard with towing.Four out of the five of these quotes had been obtained directly from agents The fifth, Geico, was handled on-line only There was no real distinction in the clarity of the quotes with the exception that it is handy to have a live individual to answer questions right away Geico&#8217;s internet site is quick and quick to use I was able to get a quote within 3 minutes from the time that I started the form until the quote was provided The agents that I dealt with in searching for achievable new coverage for vehicles, had been efficient, useful, and responded within a reasonable time frame.It is achievable to locate the most reasonably priced automobile insurance with a moderate quantity of effort You just require to be diligent to ask for the appropriate or desired coverage so that the quotes are able to be compared If you change your mind about deductible amounts or liability limits throughout the procedure, be certain to go back and be fair to earlier agents by permitting them to quote their premium amounts with the exact same terms .</p>
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		<title>One Half Minute With Your Target Audience</title>
		<link>http://importcarinsuranceatlanta.com/10/one-half-minute-with-your-target-audience/</link>
		<comments>http://importcarinsuranceatlanta.com/10/one-half-minute-with-your-target-audience/#comments</comments>
		<pubDate>Sat, 18 Dec 2010 23:43:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance Wikipedia]]></category>
		<category><![CDATA[farmers insurance wikipedia]]></category>
		<category><![CDATA[geico insurance wikipedia]]></category>
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		<category><![CDATA[State Farm Insurance Wikipedia]]></category>

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		<description><![CDATA[I had originally intended on starting up &#8220;One Half Minute&#8221; as a regular column and I&#8217;ve discovered through tracking my page hits that it&#8217;s the most popular of everything I&#8217;ve posted here. So, I&#8217;m going to continue the idea as I had it a few years ago and delight you all with another edition of&#8230; [...]]]></description>
			<content:encoded><![CDATA[<p>I had originally intended on starting up &#8220;One Half Minute&#8221; as a regular column and I&#8217;ve discovered through tracking my page hits that it&#8217;s the most popular of everything I&#8217;ve posted here. So, I&#8217;m going to continue the idea as I had it a few years ago and delight you all with another edition of&#8230; da da da daaaa&#8230; ONE HALF MINUTE!!!
</p>
<p>Today we&#8217;re going to talk about target audiences. Here&#8217;s Wikipedia&#8217;s definition:
</p>
<p>A <strong>target audience</strong> is the primary group of people that something, usually an <a href="http://en.wikipedia.org/wiki/Advertising_campaign" title="Advertising campaign">advertising campaign</a>, is aimed at intelligent to. A target audience can be people of a certain age group, gender, <a href="http://en.wikipedia.org/wiki/Marital_status" title="Marital status">marital status</a>, etc. (ex: teenagers, females, single people, etc.) A certain combination, like men from twenty to thirty is often a target audience. Other groups, although not the main focus, may also be interested. One of the most important stages involved with market research. Without knowing your target audience advertising and the selling of a particular product can become difficult and very expensive.
</p>
<p>I feel especially proud that my demographic got its own yowl out in this definition, because I&#8217;ve often felt that a lot of advertising is at me. Now I know that that&#8217;s not part of my paranoia; Wikipedia has supported it.
</p>
<p>The day I saw the auto insurance commercial (I&#8217;m almost positive it was State Farm or Progressive, but it could have also been Geico. Google is failing me right now) with the musician who backs into a poll I remember saying out loud, &#8220;Wow, I feel really marketed to upright now.&#8221;
</p>
<p>In this particular ad, A hip-looking twenty-something guy says, &#8220;It&#8217;s good to know [whichever company]&#8216;s there in case my van gets pummeled by adoring fans&#8230; or I accidentally back into a poll. Seriously, it came out of nowhere.&#8221;
</p>
<p>Auto commercials are a great place to recognize to when dividing up what the industry calls &#8220;market segments.&#8221; Let&#8217;s go again to Wikipedia: &#8220;A <strong>Market segment</strong> is a subgroup of people or organizations sharing one or more characteristics that cause them to have similar product needs.&#8221;
</p>
<p>If you&#8217;ll notice, in general companies tend to stick to one or two particular segments. For example, State Farm frequently shows older people, although has more recently started to branch out to the younger crowd. Their commercials are usually well done and obedient, in the sense that they don&#8217;t rely on humor or any sort of edginess.
</p>
<p>Safe Auto is, as far as I can reflect, the company with the lowest production value, and usually seems to target lower income people. Their commercials all center around the ethos, &#8220;It&#8217;s illegal to drive without insurance, so you might as well get it cheap from us.&#8221; Their annoyingly catchy song has been pointed out as such in their own commercial, yet they insist on playing it over and over and not changing it.
</p>
<p>Geico totally targets my age group and the college-aged, using absurd humor such as the cavemen, the witty gecko with the British accent and (in an old commercial (again, almost clear it&#8217;s Geico, but it could be something else)) the dog who drives his owner into a pond. This is a good place to segue into the expend of non sequitur humor in fast food commercials, too.
</p>
<p>Fast food advertising is targeted primarily at males in their leisurely teens and early twenties, and to do that agencies use nonsensical and juvenile humor. Taco Bell is a good example of this. One of the commercials that comes to mind is the one for the Gordita Crunch in which the coworkers (two male, one female) are trying to mix three adjectives together into one word. I know that &#8220;cheesy&#8221; and &#8220;crunchy&#8221; were two of them. The third may have been &#8220;chewy,&#8221; but I&#8217;m not sure. Anyway, the two guys are going back and forth, and then the woman chimes in. The guy next to her immediately blurts out, &#8220;I love you.&#8221;
</p>
<p>The champion of this acquire of advertising, though, is by far Burger King. I&#8217;ve been paying close attention to Burger King&#8217;s advertising for years now, and have been telling anyone who would listen that I thought they were really good commercials, but I wasn&#8217;t sure exactly why. They&#8217;re absurd, but at the same time there&#8217;s something I find that&#8217;s really well-done about them. I eat Burger King maybe once a year, and only by circumstance, but I find the advertising appealing.
</p>
<p>I was validated in my opinion this past February when USA Today wrote an entire article (&#8220;<a href="http://www.usatoday.com/money/industries/food/2007-02-06-burger-king-usat_x.htm" rel="nofollow">Burger King of Cool? </a>&#8221; 2/7/2007) about their ad campaign and the introduction of The King, who is, according to a source in the article, &#8220;in-your-face cool. But he&#8217;s also very, very, very disturbing.&#8221; I can calm remember the first commercial with him. A guy wakes up with The King in his bed staring at him and offering him a breakfast sandwich.
</p>
<p>The article details their quest to become hipper through the use of their creepy mascot and changing the names of food items, such as calling double cheeseburgers &#8220;Stackers,&#8221; and wraps become &#8220;Hold&#8217;ems,&#8221; served in holsters.
</p>
<p>Some of my personal favorites in the Burger King advertising are the big clucking and hucking chicken, i.e. a guy in a big chicken suit. I can&#8217;t remember what he was doing in the first one, I want to say he was riding a bull, but in the second one he was BMX biking. And also the chicken that wants to be a French fry (&#8220;Hey, chicken! What are you doin&#8217; hangin&#8217; out with those French fries?  Maybe you wanna be a French fry!&#8221; &#8220;Yeah, maybe I do wanna be a French fry.&#8221;).
</p>
<p>There was one that was only played a couple times that I really enjoyed. It was in the Chicken Fry series and focused on race car drivers. The pit stop workers&#8217; attempts to feed the drivers chicken on their way out of the pit via a chicken speared on the end of a long pole weren&#8217;t working out, and they found the solution with the chicken fries.
</p>
<p>To emphasize the focus on males aged 18-35, there was the commercial where a mob of males (probably all between the ages of 18 and 35) sing while marching down the street (&#8220;I am man, hear me yell&#8221; or something like that) and throw a minivan off of a bridge.
</p>
<p>I feel that the main thing setting Burger King&#8217;s ads apart from other companies is the stark and dramatic quality in the production, which makes the nonsensical humor that much more absurd.
</p>
<p>I&#8217;m starting to go on a little too long, so I&#8217;m going to wrap this baby up.
</p>
<p>The main thing that we need to keep in mind with all this is that we&#8217;re essentially talking about people convincing you to buy one product or service over another, even when they&#8217;re all basically the same. A Hold&#8217;em may near in a holster, but it&#8217;s still just a wrap. Stacker&#8217;s still just a slick name for a double cheeseburger.
</p>
<p>Insurance, which in my opinion is one of the biggest legal scams running right now, costs just as much whether you get it from Safe Auto or All State. The only car insurance that actually does have significantly lower prices, at least according to most of the people I&#8217;ve talked to, is Geico. Who&#8217;s service is better, I can&#8217;t really say; I wouldn&#8217;t be able to afford it anyway.
</p>
<p>And the companies that are hired to execute these products appealing to their target audiences, such as myself, are paid a lot of money to be good at it, I&#8217;m sure. Obviously I&#8217;m not involved personally in this industry, so I can&#8217;t throw around actual amounts of money. But no doubt Crispin Porter + Bogusky, the agency that handles Burger King, truth, Slim Jim, Miller Lite and Volkswagen, therefore introducing us to Nate Torrence, are compensated handsomely and also spend liberally for placement during prime time and sports.
</p>
<p>It&#8217;s gotten to the point where there&#8217;s so much concern invested in making commercials catchy or entertaining that people often forget which company or what product was being advertised. Beer ads are mostly interchangeable, as are a lot of other commercials. Sometimes there&#8217;s hardly even a mention of what it is that&#8217;s being advertised.
</p>
<p>Since television and prints ads are starting to have less and less effect on our culture, agencies are figuring out ways around that, sometimes even trying to hit you when you don&#8217;t know that you&#8217;re being marketed to. We&#8217;ll talk more about that next time on&#8230; ONE HALF MINUTE!!!</p>
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		<title>Top 10 Spots To Find Topic Ideas</title>
		<link>http://importcarinsuranceatlanta.com/9/top-10-spots-to-find-topic-ideas/</link>
		<comments>http://importcarinsuranceatlanta.com/9/top-10-spots-to-find-topic-ideas/#comments</comments>
		<pubDate>Thu, 16 Dec 2010 09:47:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance Questions]]></category>
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		<description><![CDATA[When searching for topics for writing on Associated Content you may at times find yourself staring into space having no idea where your next topic will come from. I have found some foolproof ways to never run out of ideas and today I am going to share them with everyone. Here are Summer&#8217;s Top 10 [...]]]></description>
			<content:encoded><![CDATA[<p>When searching for topics for writing on Associated Content you may at times find yourself staring into space having no idea where your next topic will come from. I have found some foolproof ways to never run out of ideas and today I am going to share them with everyone. Here are Summer&#8217;s Top 10 Spots to Find Topic Ideas.
</p>
<p>10) Social Networking Sites
</p>
<p>Many on Associated Lisp to promote our published materials already use social networking sites. However, these same sites can be the hub of topic generation as well. Take <a rel="nofollow" href="http://answers.yahoo.com/">Yahoo! Answers</a>, you can search through many questions trying to earn one that you can answer with one of your published articles for promotion, but have you ever thought about the many questions you are finding that do not match your direct?  Try jotting down some of the questions you find and generating articles to answer them. You may not be able to promote this content immediately using <a rel="nofollow" href="http://answers.yahoo.com/">Yahoo! Answers</a> but you have generated a topic idea.
</p>
<p><a rel="nofollow" href="http://www.myspace.com/">MySpace</a> can be used in the same way. Instead of heading directly to your <a rel="nofollow" href="http://www.myspace.com/">MySpace</a> page, try looking at some of the most popular pages. These pages are favorite for some reason and once you tap into what they are offering to viewers you will be able to offer than same content as well. You will surely find topic ideas through reading the blog entries and studying the links these top bloggers have on their pages.
</p>
<p>9) Self-help Forums
</p>
<p>Having recently undergone a hysterectomy, I found myself being a member of <a rel="nofollow" href="http://www.hystersisters.com/">Hystersisters</a> online. This online self-help forum is set up to reply questions women may have before, during and after having a hysterectomy. With pages and pages filled with people asking questions about hysterectomies I jot down some of the questions and answer them by writing content on Associated Content.
</p>
<p>These self-help forums are all over the internet. It can be generous if you or someone you know has suffered from the covered condition but this is not a necessary requirement. Just browse through the topics and set off answering the questions people are asking.
</p>
<p> <img src='http://importcarinsuranceatlanta.com/wp-includes/images/smilies/icon_cool.gif' alt="icon cool Top 10 Spots To Find Topic Ideas" class='wp-smiley' title="Top 10 Spots To Find Topic Ideas" /> Print Materials
</p>
<p>Inevitably, print materials hold a wealth of information and topic ideas. Newspapers, magazines and brochures are large places to start. I like to search the middle pages of the newspaper for small articles reporting on itsy-bitsy covered subjects. I then research the topic and generate an article for Associated Inform.
</p>
<p>Another print material you can use is magazines. I love to purchase gardening magazines and have never had to pay for one of them. Every magazine I have purchased has had some sort of information that I research and cover on my own. The topic is right there in front of me, all I have to do is write the article.
</p>
<p>The final print material I am covering today is brochures. Many of us have been forced to sit in a doctor&#8217;s office waiting for what seems like forever looking through the same plain magazines. The next time you are fair sitting in the waiting room, try looking at all the brochures offered throughout the office. You will find diseases and conditions you have never heard of. You can gather many brochures to retract home for later viewing and researching and generate articles based upon your discoveries.
</p>
<p>7) Favorite T.V. Shows
</p>
<p>We all have a favorite (or many favorite) T.V. shows. But, what makes the show interesting to us. For instance, the television show CSI is one of the most popular on T.V. today. The idea of Crime Scene Investigation surely is drawing in viewers every week. Here in lies the topic. By researching the different aspects and procedures of Crime Scene Investigation, you will return a wealth of topics and articles about your favorite explain. This can be accomplished with honest about every T.V. show we watch.
</p>
<p>6) Educational Channels
</p>
<p>Cable television impartial about always has hidden educational channels that are rarely watched. These channels offer health and educational information on a variety of subjects just waiting for a content producer to write on. One of my favorite is the local health department channel. This channel is constantly offering health advice for senior citizens. By watching the channel for mere minutes I can find out about the hottest senior health problems and have gathered enough ideas for an entire weeks worth of writing.
</p>
<p>5) Grocery Stores
</p>
<p>We all have to spend time in the grocery store at some time refilling our cabinets, pantries, refrigerators and freezers. The grocery store is a great place to pick up ideas for content topics. Whether you decide to try a new product or pay attention to the shopping habits of a mother with five children shopping next to you, jot down the things you discover and you will generate ideas from your notes.
</p>
<p>Another place is the checkout lanes. Checkout lanes are filled with magazines and print materials all around you. While waiting in line, browse the front covers of these magazines and jot down the most popular topics you see. All that is left is the research and you have a multitude of free articles.
</p>
<p>A little utilized way of generating topics in a grocery store is through interviewing. As you walk through the store, stop by the pharmacy and ask the pharmacist some information about the job and their likes and dislikes or new drugs that have objective been released on the market. Stop in at the lawn and garden area and interview the sales associate on the proper way to care for a positive plant in your residence. Even interviewing the cashier about the job expectations and ways to improve the job will generate topic ideas.
</p>
<p>4) Restaurant Menus
</p>
<p>Many of us use our restaurant trips as restaurant reviews. However, next time you are sitting in a restaurant and viewing the menu try to notice the foods that are offered together. In the salad section, there may be a salad with feta cheese and almonds, the menu may offer a dilapidated chicken recipe with mangoes and avocado. You will not have to look long before you have some solid information with which to generate ideas. All you will have to do is write an article on how to dress up a salad or funky twists on faded fried chicken.
</p>
<p>3) Local Businesses
</p>
<p>With an influx of strip malls in all areas of the world, you will be able to take a simple walk and gather tons of topic ideas. Inaugurate at the first shop in the mall and stir inside. Ask many questions about the business and what they offer, get information on the businesses expertise and special offers they extend. Ask questions about the career as a whole. When you are finished with one, move on to the next and continue the process. By the time you are at the waste of the strip mall you will have so much gathered information you will be writing for months.
</p>
<p>2) Other Writing Websites
</p>
<p>There are certainly other writing websites on the internet, though none as profitable as Associated Sing. Try visiting websites like <a rel="nofollow" href="http://www.triond.com/">www.triond.com</a> and look through the published material on the site. The key to using this spot is to never click beyond the title. You will only want to jot down the titles that interest you and then research the topic from there on your own.
</p>
<p>Another website is <a rel="nofollow" href="http://www.helium.com/">www.helium.com</a>. This area even has a section of topics that they need to have articles written on. By browsing through the titles and topic ideas they offer, you will never have to stare for what to write on again.
</p>
<p>1) Your Life
</p>
<p>Now this one is inevitably one you have already looked into. Nevertheless, there is a contrivance to extract topic ideas that you may not know are in your acquire mind. Try making a timeline of your life and marking primary memories on the timeline. My timeline for instance is filled with alcoholism, abuse, rape, mental health issues, c-section childbirth, twin birth, and many things I will not disclose here. After you have finished your timeline, gain one for your partner, children, parents, and friends. By covering everyone you know, you will eventually be looking at hundreds of ideas that require little or no research to write on.
</p>
<p>The key to this idea is to not only mark on the timeline things that you feel are important but everything you have encountered. While on a trip across the country, I was held up by severe winds on the interstate between Wyoming and Colorado. This led me to the knowledge that winds can be strong enough in higher elevations to overturn expansive rigs. TOPIC Thought!
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<p>Generating topic ideas for me has become a learned ritual. I come by myself seeing the world from a matrix like view gathering information subconsciously while doing other every day activities. Once you have practiced using these Top 10 spots you will certainly never have one more day of writer&#8217;s block!
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<p>SPECIAL NOTE: With all the changes in the news submission part of Associated Content, where can you possibly find ideas for news articles?  Try being a part of history. By visiting websites such as the <a rel="nofollow" href="http://www.marchofdimes.com/">March of Dimes</a> or <a rel="nofollow" href="http://www.relayforlife.org/">Relay For Life</a>, you can register to be a part of local events thus being a part of the news you will later be writing about. Another plan to generate ideas is to spend the email function to interview the person in charge of the local event. They will surely respond your questions and you will have your news article first hand!
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<p>For more information on topic generation check Summer&#8217;s publications soon for videos on rarely used websites.<br /><a rel="nofollow" href="http://www.associatedcontent.com/user/49810/summer_banks.html">www.associatedcontent.com/user/49810/summer_banks.html</a></p>
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