• Auto Insurance,  automobile insurance,  Car Insurance,  car insurance quotes,  car insurance rates

    How to : Save money on Car Insurance


    Auto insurance is essential by all licensed people but many don’t learn how to find the very best rates obtainable. Being complacent and purchasing insurance without thoroughly investigating your options or maintaining a similar car insurance for the remainder of your life could mean that you will be paying too much for your car or truck insurance. Comparability shopping, ensuring that you will be receiving each of the discounts you qualify for and keeping a clean record are just some of the dollars saving ideas that could save you a bundle on insurance.

    Comparison buying car insurance, even when you finally are previously insured, cannot be underestimated. It is crucial that people investigate all your options ahead of choosing an insurance provider to ensure you are receiving the best possible rate on your car insurance. There are so many factors regarded in insurance policies including where you live, your record, your get older and the kind of car people drive only to name a number of. With these types of factors to contemplate, it is incredibly possible that might be that there is a car insurance provider who offer a considerably lower price than other providers.

    Even once you’ve secured insurance for the car, it is wise to periodically check the actual rates of which other providers offer. Car insurance plus your circumstances usually are perpetually changing and you may find that this provider that is willing to present you the very best car insurance rate differs periodically. Many insurance providers present you with a host associated with discounts on their clients who qualify for these discount rates. These discount rates can connect with your record, safety highlights of your car, your get older or other factors.

    These discounts may result in a tremendous benefits on your car insurance policy but while insurance companies offer these types of discounts, they don’t always advertise them. This means that you will find to carry out research to determine what type of discounts you might qualify for. Carefully, review your car insurance policy to ascertain which discounts you are already receiving after which contact your car or truck insurance provider must other discounts that could be available. One example is if your record is without requiring accidents or perhaps tickets, you might qualify for the good motorist discount.

    Likewise, if your car or truck has particular safety features including daytime working lights, you can even qualify for insurance discounts. Your real age can likewise qualify you without a doubt car insurance discounts. Some insurers also offer you discounts to those who insure their house with a similar company while they insure their car. Enjoying this form of discount could save you money in both your car or truck and household insurance. Knowing the discounts that you can get and ensuring that you will be receiving these types of discounts, can save a lot of money on your car insurance.

    Finally, maintaining some sort of clean record is critical to receiving the very best available insurance rate. As it is true that every car insurance provider is unique inside factors that bring about lower prices, the 1 factor which is consistent amongst all companies of insurance is a clean record is critical in your rate. Although accidents are often unavoidable, it is actually imperative you adhere to all or any traffic regulations knowning that you get safely continually. This will certainly reduce how many traffic violations you incur as well as the number associated with accidents you cause. Following the following pointers will assist you to maintain some sort of clean record that could keep the money necessary for your insurance low.

    Many people lament having to pay their monthly insurance bill because they feel that the insurance isn’t necessary. Although insurance is some sort of financial impediment that appears superfluous, it does settle if you are ever in a serious car accident that possesses significant personal ramifications. For this reason, you must not consider allowing your car or truck insurance in order to lapse and it’s recommended you search diligently to get the best obtainable rate on your car insurance.

  • Auto Insurance,  Finding,  The Best Deals

    Finding The Best Deals On Auto Insurance

    Auto insurance is one of the most important tools any driver can have. Auto insurance protects drivers in the case of auto collisions by providing them with coverage for medical bills and car costs. However, before purchasing auto insurance, there are some things you should know. Read the following article for advice on auto insurance.

    Call your auto insurance company and ask for a comprehensive list of all of the discounts they offer. Go down the list and determine if you are getting as many of them as you can. For example, you might be able to save a significant amount by taking a free defensive driving course or by reporting a co-habiting partner.

    Do not settle for the first auto insurance company that you find. You may be missing out on special discounts or rewards. For instance, some insurance companies offer discounted premiums for accident-free drivers, or for people of certain professions. Some even give discounts to college students who maintain good grades.

    Scrap rebates for instant promotions to grab more customers. Rebates are a hassle for both you and your customer, so avoid the process in between and offer your customer the discount up front. You will earn your customer’s loyalty quicker and ensure that they purchase from you in the future.

    Don’t pick an insurance just because it is cheaper. Each insurance company provides different types of plans with varying levels of coverage. One company may offer a plan for $100 less, but it may just have liability coverage. Most states require protection against damage to another person’s car, but not for your own.

    Make sure you update your auto insurance policy if you get married, divorced or otherwise change your family situation. In many cases, your auto insurance price may change. Saving money is important in today’s economy so you do not want to pay more than you have to, or keep your ex-spouse on your policy.

    If you don’t commute and just use your car to run errands and take care of minor business, you may be able to get a “pleasure driving” rate, which is much less than the rate you would pay if you were commuting to work every day. The reason for this is that you are less likely to have an accident if you don’t drive very much!

    When you are shopping for car insurance be sure to calculate all of the costs before taking the policy. You may be paying higher premiums for less coverage if you do not take the time to find out exactly what it is that you are paying for. Keep the deductibles in mind as you are calculating the cost.

    When considering auto insurance for a young driver, keep in mind the type of car in relation to the type of insurance you are buying. If the car itself is not worth that much money, pay special attention to the extras on the claim, as well as the deductible amount. Most providers will work with you, based on your choices.

    In conclusion, auto insurance is an important tool for all drivers. It protects drivers in auto accidents by covering costs. There are many things to remember when purchasing auto insurance, and if you remember the advice in the article above, then you should be able to select auto insurance that will protect you.

  • insurance market share

    Indonesia insurance property market forecast 2013

    best insurance stock – Indonesia insurance property market forecast 2013 : Property insurance market share continues to shrink. Data General Insurance Association of Indonesia (AAUI) in the first semester of this year noted, the property insurance market share slipped to 27.4% from the same term last year’s 29.9%.


    Property market share surpassed by motor insurance rose to 30.1% from the previous 29%. Until the beginning of the semester, the total general insurance premiums Rp 18.89 trillion, grow 12.8% compared to the same period last year of Rp 16.74 trillion.

    Property insurance contributions Rp 5.1 trillion or an increase of 3.5% from the same period last year of Rp 5 trillion. While gross property insurance claims actually grew 24.6% to Rp 2 trillion from Rp 1.6 trillion in the previous period. Premium of Rp 5.6 trillion, up 17.2% from Rp 4.8 trillion.

    Increasingly shrinking property insurance estimate because the war was still going on tariffs. As a result, players choose cautious about accepting risk property insurance.

    In addition, the granting of commissions to intermediaries such as broker or brokerage has been no standardization. First, the commission to the broker the range of 15% -20%, now has a range of 25% -30%. In addition, property premium rates were calculated using the model per mile.

    Unlike auto insurance, calculations based on the percentage of the vehicle price. “Hence, the growth of the motor vehicle, the premiums vary with the property,” said Julian.

    With this condition, it is not likely the property insurance market share will continue to shrink in the coming period. Moreover, the desire to create a preference industry premium rates for property insurance has not yet materialized. That is, the property insurance premium price competition will continue to happen.

    In fact, the desire to make the tariff preferences that have been around a long time. However, until now there is statistical data collected premium of industry players to make such preferences. Unlike in vehicle insurance, is there a reference rate.
  • Insurance Tips

    How does mortgage life insurance work

    best insurance stock – How does mortgage life insurance work : The best way to think of mortgage life insurance is that it is term life insurance with a single purpose: to payoff your mortgage in the event of your death.

    A mortgage life insurance policy is tied to your mortgage in almost every way. At the time that you take your mortgage, whether on a purchase or refinance, the death benefit on insurance policy is set up to match the amount of your mortgage loan.

    However, the death benefit will decline as your mortgage is paid down. Once your mortgage is paid off, the life insurance goes away.
    In the event of your death, the proceeds of the policy will go right to your lender to payoff the mortgage on your house.
    As to the specifics, there are variations depending on which insurance company you use as well as the particulars in your situation. It’s also important to remember that while a lender may recommend that you get mortgage life insurance, you are not required to get it. It is strictly optional coverage.
  • Car Insurance

    Earn the most fruitful financial rewards

    It is a great leader in providing unique featured insurance coverage results in top performers in the plan market nationwide. Leads bureau LLC is comprised of the pioneers of the most advanced technology and With more than 10 years of  experience servicing agents building backgrounds in market with the high marketing efforts. We have got a single unique goal: to generate qualified and reliable sources of insurance leads for our fine clients.

    Best features four lead:
    ü         Better quality Online Auto Leads
    ü  We assure you with the expertise and professional leads approved by quality assurance department
    ü  100% unique (we will NOT offer your lead to any other client)

    ü  We provide live soundtracks made by our excellent confirmation division to our customers verifying their interest in automobile insurance to make sure the best quality

    ü  Real time distribution to our customers (we deliver brings via sms, phone, fax, e-mail and straight to your cause control program moreover to our cause control system)

    ü  FREE use of our state of the art Lead Control system (valued at $2000 monthly for non-clients)
    ü  Live Exchanges – We can real-time link you to the customer who has just used instantaneously!

    ü  No copies, No old/recycled brings, No bad contact figures ONLY actual customers enthusiastic about automatic insurance

  • American Equity,  earnings release

    American Equity earnings conference call February 21 2013

    best insurance stock – American Equity earnings conference call February 21 2013 :  merican Equity Investment Life Holding Company (NYSE: AEL) announced today that it will release fourth quarter 2012 earnings after the close of market on Wednesday, February 20, 2013. The fourth quarter earnings release and financial supplement will be posted on the American Equity website ( www.american-equity.com) at that time.


    EARNINGS CONFERENCE CALL

    AEL will hold a conference call to discuss fourth quarter 2012 earnings on Thursday, February 21, 2013, at 9:00 a.m. CST. The conference call will be webcast live on the Internet. Investors and interested parties who wish to listen to the call on the Internet may do so at www.american-equity.com.

    The call may also be accessed by telephone at 866-314-4865, passcode 36024971 (international callers, please dial 617-213-8050). An audio replay will be available shortly after the call on AEL’s website. An audio replay will also be available via telephone through March 14, 2013, by calling 888-286-8010, passcode 12797737 (international callers will need to dial 617-801-6888).

    ABOUT AMERICAN EQUITY

    American Equity Investment Life Holding Company, through its wholly-owned operating subsidiaries, is a full service underwriter of annuity and life insurance products, with a primary emphasis on the sale of index and fixed rate annuities. The company’s headquarters are located at 6000 Westown Parkway, West Des Moines, Iowa, 50266. The mailing address of the company is: P.O. Box 71216, Des Moines, Iowa 50325

  • China Life Insurance,  insurance stock prediction

    LFC stock prices forecast 2013

    Best Insurance stock – LFC stock prices forecast 2013 :  China Life Insurance (NYSE: LFC)  reported a net loss in the third quarter, due to a surge in operating expenses, which offset the operating income increases. However, premiums earned and investment income witnessed a notable improvement. Total assets and shareholders’ equity also improved, while cash fund deteriorated. Meanwhile, the subordinated debt issue has improved solvency ratio.

     Extensive domestic distribution channel, strong investment and stable ratings are other positives. However, the constant decline in operating cash flow is affecting financials. The company also inherently faces substantial interest rate and currency risks, which limit the upside. Despite a strong brand name, significant competition on the domestic front hampers earnings growth. Overall, we expect limited upside in the near term
    China Life Insurance Co Ltd announced that it expects its net profit for the first three quarters of fiscal year (FY) 2012 decrease by approximately 55%, compared to the net profit of the same period in FY 2011 (RMB 16,717,000,000). The Company cited the decreased rate of return on investments and impairment loss on assets as the main reasons for the forecast.
    Shares of China Life Insurance fell 1.9 percent in Hong Kong from Thursday’s 18-month high, while Ping An Insurance , its smaller sector rival, dropped 2.1 percent.
    Zacks reiterated their neutral rating on shares of China Life Insurance (NYSE: LFC) in a research report sent to investors on Friday morning on Dec 25th, 2012   The firm currently has a $49.00 price target on the stock.
    Fitch Ratings maintains a “stable” outlook for China’s insurance sector 2013 , but recent exits by overseas investors’ stirred concerns about the sector’s profitability. “Our view is that the sector will be stable over the next 12 to 24 months,” Terrence Wong, director of Fitch’s insurance team, said on Monday. Property insurers’ premiums are set to register double-digit growth this year and in 2013, but recent regulatory changes could intensify competition the ratings agency said. Read China insurance market growth outlook 2013

    Earnings Growth Forecast

    LFC stock prices forecast 2013

    Fiscal
    Year End
    Consensus
    EPS* Forecast
    High EPS*
    Forecast
    Low EPS*
    Forecast
    Number of
    Estimates
    Over the Last 4 Weeks
    Number of Revisions
        Up                       Down
    Dec 2012 1.06 1.09 1.03 2 0 0
    Dec 2013 2.73 2.79 2.66 2 0 0
    Dec 2014 3.07 3.07 3.07 1 0 0

    Over the next five years, the analysts that follow this company are expecting it to grow earnings at an average annual rate of 20.19%.This year, analysts are forecasting earnings decrease of -31.61% over last year. Analysts expect earnings growth next year of 157.08% over this year’s forecasted earnings

    Price/Earning Ratio forecast 
    LFC stock prices forecast 2013



    Price/Earnings Ratio is a widely used stock evaluation measure. For a security, the Price/Earnings Ratio is given by dividing the Last Sale Price by the Average EPS (Earnings Per Share) Estimate for the specified fiscal time period.

  • Car Insurance

    Follow These Tips To Locate The Auto Insurance Policy That You Need

    Auto insurance is something on which you can drive a hard bargain. It is very competitive. You can save a lot of money by finding the best quote. Here are some tips to help you on your way. Research will bring you to your destination: a good policy at a good price with a good agent.

    If you really want to get the best deal in auto insurance, take good care of your car and keep it for a very long time! A well-cared for older car will serve you well, and your insurance rates will just keep going down. The more often you change cars, the more expense you can expect in everything from insurance, to payments and taxes.

    Keep your vehicle secure with anti-theft devices and a garage if possible. Vehicles without either are at a higher risk of vandalism or theft. So reduce the insurance companies risk and your premium rates with approved alarms or anti-theft devices and a garage to house your vehicle when at home.

    One great and underrated way to save on your monthly auto insurance premiums is to join an automobile club. Especially if you are driving a classic or rare vehicle, joining an auto club will allow you to join with a group discounted rate, ultimately saving you hundreds of dollars annually on your insurance premiums.

    If you need to get work done on your car after an accident, make sure that you get multiple quotes from body shops. The insurance adjuster will have their own estimate, and you need to make sure that their estimate is comparable to the cost of actually getting the work that is needed done.

    Sign up to get your auto insurance directly through the website of the insurance company of your choosing. Auto insurance is often cheaper when you apply online because it costs the company less to process your information that way. You may receive a discount of up to 10 percent by applying online.

    Always receive quotes from multiple providers when seeking auto insurance. Even those providers you wouldn’t consider at first could be offering the lowest rates. You never want to settle on any policy before comparing the price to others as there can be a great difference from one policy to the next.

    Sometimes if all you are going to get is liability is insurance on your vehicle, your best bet is actually a hole in the wall place rather than a reputable company. These companies are so eager to get you in the door they offer astonish rates sometimes as low as thirty dollars monthly!

    Make sure you have appropriate uninsured and underinsured auto coverage. The amount of motorists without insurance and underinsured motorist coverage is rising due to the economy. If you do not have adequate coverage, you may have to pay your repair bill or even your medical expenses after an accident when another motorist doesn’t have adequate insurance. Even a minor accident could cost you thousands.

    These tips have given you a lot to think about. If you drive, you have to have insurance. Your insurance policy can give you a sense of secure coverage. Also, as these tips have shown, a little research can give you this security at a good price, perhaps enabling you to save hundreds of dollars every year.

  • Car Insurance

    Need To Purchase Auto Insurance? Check Out These Ideas!

    “˜Piece of mind’ is the thought behind insurance. Sometimes it goes beyond that. The law may require a certain amount of coverage to avoid penalties. This is true of auto insurance. How can you make a wise decision regarding car insurance? Read the following article for some handy tips to do just that!

    Decide whether or not it is worth it to make a claim. If your deductible is not much less than the amount of damage to your car, it probably isn’t worth it to make a claim with your insurance company. What you will recoup probably isn’t worth the increase in premiums that you will experience.

    Do not forgo getting an auto insurance policy if you have a car. Yes, it is more insurance that you have to buy. Yes, it costs money. Yes, you have to shop around and research different companies and policies, but this work can save you lots of money and even your car.

    Whenever possible, include your spouse on your automobile policy as a named insured driver. It is quite common for insurers to view married couples as more stable and a better risk than single drivers. Therefore, you are likely to receive a healthy discount on a policy that covers both husband and wife.

    To protect your auto insurance rate after an accident or ticket that you are contesting, be sure to notify your insurance provider that you are going to contest the ticket(s) in court. Because insurance providers often increase rates as soon as they learn of an infraction, it is up to you you to notify them if a ticket is later reversed.

    When working with insurance companies over the telephone to receive quotes, keep your driver’s license information, vehicle information and current policy handy. Many companies require information from these sources to provide an accurate quote and having them handy speeds the process up for you and ensures you are providing accurate information to the insurance carrier.

    Every state has minimum requirements each driver must meet for liability insurance. Most people sign up for this minimum coverage, usually to save money. This may not be the best idea, depending on the state in which you live. Some states set their minimum requirements too low, and if you were to actually cause an accident you might find yourself under insured, which puts your home, savings and other assets in jeopardy. Review your coverage and make sure you buy enough liability insurance to protect your family and your assets.

    A lot of people have speeding and parking tickets that they’re not even aware of until they attempt to get a new auto insurance policy. To avoid this money trap, be sure to check with your local state office to receive a copy of your full driving record. This will let you know if there are any unpaid tickets you need to handle.

    Now that you have read the above article, apply the tips that work best in your situation. Understandably, a wise decision regarding auto insurance is not as ease as it may seem. Do your homework! It will be worth the effort. Not only will you have “˜piece of mind’ you will also be doing what the law requires. Good for you!