by: Rob Sliver
When it comes to auto insurance rates, who you are determines what you pay.

Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN’T change that impact your auto insurance rates:

Your age

Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.

Gender

Whether it’s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.

Marital Status

Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.

Factors you CAN change that impact your auto insurance rates:

Geography

Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.

Driving violations

Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.

Your vehicle

If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.

Accident claims

While you can’t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.

Credit rating

That’s right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.

Occupation

A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!

Other factors that go into determining premiums:

Miles driven per year
Distance to work
Occupation
Years of driving experience
Business use of the vehicle
Whether or not you currently have auto insurance
Theft protection devices (often results in discounts)
Multiple cars and drivers (another opportunity for discounts)
Overwhelmed?

It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.

Please note that this description/explanation is intended only as a guideline.

For more information about auto insurance please go to: Insurance.com

About The Author


Rob Sliver

Insurance.com

feedback@insurance.com

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by: John Taylor
For the life of me I don't know why more people don't use this technique that could literally blow their sales through the roof.

This tip can be as complex or as simple as you want to make it. In a nutshell, one way to differentiate your product is to offer unique bonuses that no one else has. This simple technique can make the difference between you getting the sale or someone else getting the sale.

By creating your own bonuses you create more value so you could even charge more for the exact same product that others may even be giving away!

Let's say I wanted to really push sales of the Link Check Generator. Here's exactly how I would do it:

1. Go to http://www.marketing-seek.com and find every possible article about link popularity, how search engines like incoming links, increasing your Google Page Rank, etc. Copy those articles into a document or if you have it you could use the full version of Adobe Acrobat (http://www.adobe.com) to automatically download the articles into PDF format.

2. Visit the sites of the article authors. See if they have an affiliate program and if you can put your affiliate link in the resource box at the bottom of their article. You might need to ask permission to use the article in association with a for pay product or to combine the articles with others in your little special report.

3. Read the article thoroughly and make sure you understand the concepts involved. Start putting the advice into practice on your own site so you aren't faking knowledge of the techniques.

4. Make notes that show you are knowledgeable at the bottom of the article after the resource box or on another "editorial page". For example if I were making an editorial comment about this article I might write: "John really seems to know what it takes to really make big sales with ebooks. I tried this little tactic and found that not only was it easy to implement, I made 4 more sales the next day. One other thing that I think would go good with this technique is to do audio tutorials. ". But whatever you do don't lie.

Now you've added unique content to a freely available article. Of course you can write much more if you are so inclined to add even more value.

5. Add other useful content like reviews of other software or ebooks related to linking matters including your affiliate link of course.

6. Use an ebook compiler like Armand Morin's eBook Generator (http://www.go-click.com/to/ebgen) or Adobe Acrobat (http://www.adobe.com) and organize the articles to create an ebook.

7. Although not necessary, you can make a cover for your bonus report. One of the best cover makers I've used is Ecover Generator (http://www.go-click.com/to/ebcgen) but you can create your own if you're not graphically challenged.

8. Do it all over again for the same product or other products you have resell rights to. You could add checklists, tutorials with screen shots, lists of useful resources, other reviews and recommendations, etc. There really is no limit to how you can apply this.

That's it. Now get going!

Copyright 2004 John Taylor

About The Author
John Taylor is a writer and publisher and his work includes The "Testing & Tracking" Special Report that explains what to test and how to test it (http://www.Test-and-Track.com). He is Webmaster for the Amazing Marketing Tools web site where you will find an incredible range of resources to help you to develop the knowledge and skills to become a successful marketer.(http://www.AmazingMarketingTools.com) John also publishes the http://www.quogger.com weblog and operates http://www.Money-and-Power.com and http://www.Buy-Impulse.com


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Labels: cash flow, cash flow business, cash flow management