Blog Archives

Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

Boho Is Back, Conscious, Holistic Fashion!

Funky and chill, free spirited Bohemian fashion, conscious design that is holistic and now more necessary than ever. Patchwork gypsy skirts and hippy yoga pants, embroidered caftans, colorful tribal, paisley prints and chunky bead jewelry are totally in style. With a resurgence of design styles and fashion icons ramping up its popularity, bohemian hippy chic fashion is known for its earthy wanderlust roots and relaxed vibe.

Travelers of the old world “Banjara” were gypsy wanderers, who wanted to be different and lived life on their choice set of rules, creating trends and not following a social dictum.The boho lifestyle and clothing is based on the diverse gamut of cultures and patterns with the archetype of mixing and layering clothes, prints and colors. Earthy conscious designs, upcycled vintage fabrics, traditional handloom prints and weaves, the choices are endless. Mix and match Indian chikankari tunics with cutout ragged jeans! Georgette tunic dresses as beach cover ups, or use the white shift dresses for yoga and meditation, adding on accessories like the earthing malabeads and copper bracelets, seeking nature and connecting to mother earth.

The boho style sees Priyanka Chopra donning a cute cutout midi dress in tie dye at the country festivals, the Boho vibe is casually chic and elegant. Mylie Cyrus wears the colorful bohemian sari mini skirt with a white blouse tucked in at the waist.
The newer side of this trend has moved onto a “hippie-luxury” style with fashion designers creating earthing luxury style collections overflowing with old style fabrics full of passion and tranquil colors. The dreamy bohemian fashionista plays with long maxi skirts, soft flirty tunic caftans, embroidered dresses and earthy stonewashed fabrics.

The ultra modern Bohemian grounds herself to Mother Earth, rejoicing in her love and radiates confidence through her choice of earthy colors. The style manifests in the romance of original tribal art with pure cotton and ethical fabrics. Upcycled saris made into skirts and dresses, the fun and playful look is easy to accessorize and you create a fashion statement like no other as these are so unique and one of a kind.

Street style bohemian can be funky or chic, the gauzy printed maxidress is good for all seasons. Sandals and a hat for the summer or add a light jacket and booties for cooler days. The authentic tribal patchwork design skirts and boho vintage pants contrasts with the bold black tank, mixing bohemian with city chic. Be a glamorous fashionista, create your own style – conscious, holistic, earth friendly and in tune with nature, using clothing artisan created and unique.
Be a Boldly Mogul Bohemian Fashionista!

Why Your Business Needs An Internet Marketing Strategy To Stay Ahead

There are specific marketing strategies that apply uniquely to Internet marketing. If you do not use Internet marketing strategies for your business, your website will not get traffic, you will not attract new clients and your business will fall behind your competition.

One of the stumbling blocks impeding most local businesses from implementing an internet marketing strategy is that they simply have no idea what needs to be done. Online marketing is so new and such unfamiliar territory for most business owners that they don’t know where to start. They spend so much time running their business, taking care of their clients and managing their staff that they don’t have the time to learn something new.

Ask yourself a few questions:

• What are long-tailed keywords?

• What is keyword density?

• What is Web 2.0?

• How do you set up an autoresponder?

• How do you change the tags on your website?

• How do you create videos and audios for your website?

If you are like most business owners, you can’t answer these questions. That is absolutely normal. You have spent time focusing on other aspects of your business, ones that you do indeed master. But now you need to learn more! Finally, the time has come for the average local business owner to discover exactly what needs to be done in order to effectively put an online marketing plan in place for his or her business.

Business Has Changed.

Today, local business owners are in a hungry market. They need more work. They need to attract more clients. They need to adapt to the changing economy. However, the market is changing, or more specifically, how to reach that market is changing. Understanding the change and meeting the challenges of it are essential to survival of businesses.

In the recent past it was normal for a business to spend several thousands per year on directories like the Golden Pages / Yellow Pages. Now businesses find that this sort of advertising simply doesn’t work any more, it simply costs more than it brings in.

Today’s savvy business owner realises the Internet is the future. Worldwide, more than 2.6 billion searches for local businesses are performed online every month. This number grows by more than 50% each year. In fact, 80% of people search online before they make a purchase. They now prefer this type of search Golden Pages / Yellow Pages or the newspaper. Therefore business owners need to be online in an effective way, and have an effective internet marketing strategy to stay ahead.