Chicago (PRWEB) December 19, 2008 — Internet start-up, Tomarro Media, recently acquired Insure-Net.com to provide users with a quick and easy way to compare insurance quotes. Insure-Net.com was originally created in the early 1990's along with many other dot-com hopefuls, but never got off the ground. The site was purchased and redesigned by Tomarro Media in the fourth quarter of 2008. It has already become a fierce competitor in the market by gaining top search engine rankings and helping thousands of users get free insurance quotes.

Insure-Net.com offers users an efficient and simple way to get free insurance quotes for home, health, life and auto insurance. This site serves as a connection between people shopping for insurance quotes and insurance agents offering great rates. Site visitors simply fill out a short, basic form. Then, they will be contacted by up to five top insurance agents in their area who will offer the most complete coverage at the lowest possible price. All the site visitor has to do is pick the plan is right for them. Many save hundreds of dollars a year when they are shopping for more affordable home, health, life and cheap car insurance.

With more and more companies offering similar services, this model for searching for insurance quotes is not unique. However, Insure-Net.com will continue to grow and maintain it's presence by offering the top-notch customer service, a consistently updated library of insurance articles of interest and by connecting users with top agents who can offer the most personalized plans at the lowest possible prices.

About Tomarro Media:
Tomarro Media is an internet advertising and marketing agency engaging in online lead generation for business, insurance, mortgage and auto financing. Our extensive experience with online lead generation enables our clients to leverage their brands and obtain ROI through a measurable, step by step program that establishes trust in us and the medium.

About Insure-Net.com:
Insure-Net.com is a leader in the online insurance marketplace. We connect people shopping for health, home, life and car insurance with agents offering the most complete coverage at the lowest possible rate. Insure-Net.com offers the thousands of daily online visitors a quick and easy way to get multiple insurance quotes from competing providers. To learn more about how to save on your insurance needs and to get free insurance quotes, visit Insure-Net.com.

(PRWEB) May 9, 2006 — Consumers can save time and money by using the new Auto Insurance Directory at FindMyBestAgent.com. Everything you need to know about auto insurance can now be found online in one convenient place.

The Auto Insurance Directory provides information about leading insurance companies with links directly to their sites. The directory also contains information about each states auto insurance regulations and liability limits. Consumers will find helpful articles on how to compare auto insurance and why independent insurance agents are beneficial. Most importantly, the Auto Insurance Directory provides detailed profiles and contact information on over 1,000 insurance agents listed by city, state and area code.

Choosing the right auto insurance coverage means doing some research. The Auto Insurance Directory at FindMyBestAgent.com is by far the most comprehensive online directory providing the most current information. Anyone shopping for auto insurance will benefit from this valuable online resource.

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“The integration with APU Solutions increases alternative parts utilization
while reducing time-consuming re-keying for our insurance and
collision-repair partners when creating estimates,” said Marc Brungger,
Mitchell’s Executive Vice President. “We are always seeking ways to
simplify and create more efficiency in the repair process for our
customers. APU’s PartsNetwork is a solution that fits this mold perfectly
and represents the industry’s next generation of alternative parts
management.”

“Mitchell is the market leader in providing innovative solutions that solve
real problems that carriers and shops confront on a daily basis in the auto
claims repair process. We’re excited about the opportunity to integrate
PartsNetwork with Mitchell’s UltraMate Premier Suite estimating solution to
help their customers streamline workflows and increase alternative parts
utilization,” said Charles Lukens, Chief Executive Officer of APU
Solutions. “We have always believed that access to live inventories solves
the industry’s long-standing problem of static parts databases containing
phantom parts that cause more friction in the repair process.”

About Mitchell International, Inc.

Mitchell International ( www.mitchell.com ) is a leading provider of
information, workflow, and performance management solutions to the
automotive insurance claims industry, serving carriers, collision repair
facilities, and other commercial participants in the physical damage and
auto-related medical claims markets. Mitchell facilitates millions of
electronic transactions between more than 16,000 business partners each
month to enhance their productivity, profitability, and customer
satisfaction levels.

About APU Solutions

APU Solutions ( www.apusolutions.com ) is the leader in providing alternative
parts management and online parts procurement solutions to the insurance,
collision-repair and alternative-parts industries. APU delivers
efficiencies and expanded market opportunities for buyers and sellers of
alternative automotive parts through its open-exchange, Web-based
environment. APU succeeds on the strength of its communities, the unlimited
opportunities provided by a free market, and an environmentally responsible
product.

Contacts:
Jennifer Forman
Sr. Director, Marketing
800-238-9111 x6585
Email Contact

or

Kam Hashim
Boston Communications
617-619-9803
Email Contact

Assess your individual wants before obtaining auto insurance quotations online, & especially before contacting mediators. Consider the sum you can afford, the kind of coverage needed (& how much insurance), the kind of payment plan to meet your financial plan (monthly, quarterly, or yearly,), & who will drive the car.

Crucial Questions to inquire Automobile Insurance Agents

After you have acquired general automobile insurance quotes online, it is time to ask these vital questions so you can narrow your choices. But even before you get in touch with agents, study all the kinds of coverage & terminology so you will have an understanding of how auto insurance works. The extra you know, and then the simpler it will be to select an automobile insurance policy.

1. Do you offer lower quotations when choosing a superior deductible?

2. What auto insurance coverage do you present?

3. Do you present discounts for auto safety features such as unique anti-lock brakes, airbags, etc.?

4. Do you offer automobile insurance discounts if I have taken a driver’s lessons, have a safe driving documentation, or if I insure my house with your corporation as well?

5. Will my payment decrease in time if I give my insurance payment faithfully & keep a sparkling driving record?

6. What if my premium is late or I fail to notice a premium?

7. What are your premium plan options?

8. Is it trouble-free to add other cars to my policy?

9. If single… what if I get wedded? Will my payment be reduced?

10. How much do you charge for teenager automobile insurance coverage?

11. Does the plan cover all drivers in my household?

Once you have the replies to these questions from several possible automobile insurance agencies, evaluate the information to discover the policy & premium amount to fit your wants. Obtaining several precise auto insurance quotations on internet (using queries such as these) can bank you hundreds or even sometimes thousands of dollars every single year.

Jacksonville, FL (PRWEB) November 7, 2007 — A recent research survey by the National Association of Insurance Commissioners (NAIC) found several misunderstandings among consumers about homeowners insurance, including the difference between actual cash value and replacement cost. A new primer from Kemper, A Unitrin Business, features important information for consumers on homeowners insurance, especially replacement cost. The information is free and can be accessed at www.eKemper.com, under the Latest News section.

The brochure, titled “Protecting Your Home & Property,” explains the difference between actual cash value, replacement cost and market value. It also includes information on how replacement cost is calculated. Says Kemper President James A. Schulte, “The difference between actual cash value and replacement cost can mean thousands of dollars out-of-pocket for homeowners in the event of a covered claim. We want to demystify homeowners insurance terminology so that consumers know exactly what they are getting.”

About Kemper, A Unitrin Business
Headquartered in Jacksonville, FL, Kemper specializes in the sale of personal automobile and homeowner's insurance through a network of leading independent agents in more than 40 states countrywide. Kemper has regional offices in Dallas, TX; Charlotte, NC; Milwaukee, WI; Syracuse, NY; Spokane, WA and Folsom, CA. Kemper is part of the Unitrin group of companies which have an “A” rating from A.M. Best. More information is available at www.eKemper.com.

Unitrin uses the registered trademark “Kemper” under license, for personal lines insurance only, from Lumbermens Mutual Casualty Company, which is not affiliated with Unitrin.

Preparing a business plan is the first step of starting a successful business. A business plan acts as a road map for your business. It outlines your goals and identifies specific financial projections. A good business plan should help you define your target market, identify your competitors, project start up expenses, illustrate how to allocate resources and give you a realistic timeline. If utilized during your initial business set up it will keep you on track and make you successful in achieving your goals.

What goes in a business plan?
The plan should be divided into 4 sections:

1) Description of the business
2) Marketing Plan
3) Finances
4) Management

The plan should include an executive summary, supporting documents, and financial projections.
2. Decide on a legal structure for your business

a. Decide how much personal liability protection you need
b. Decide how you want your business to be taxed
c. Research the various types of ownership structures

1. Sole proprietorship
2. LLC
3. C Corp
4. S Corp

The choice you make will have a large impact on how legal issues are handled. Sole proprietorship is the simplest legal structure but it does not protect your personal assets. Forming an LLC is more complex and expensive. However, it is designed to provide the limited liability features of a corporation and the tax efficiencies of a partnership. This is a popular choice for sole proprietors who are looking to incorporate simply to protect personal assets.

There any many online resources available to investigate the advantages and disadvantages of each structure type. Conduct research and decide which ownership structure is right for you.

3. Choose a name for your business (and a domain name)

Choosing the right name for your business is very important. Choosing the right name can impact the overall success of your new venture. Remember to do your research, take your time and pick wisely.

A worthy name should:
1. Leave no doubt about the industry you support it should directly relate to your service
2. Be easy to say, spell and read
3. Be memorable
4. Suit your business 5-10 years from now
5. Set you apart from competitors

If you plan on including a website with your new business, you should also consider that when deciding a name for your business. You can check out a domain name vendor to see if your preferred name is available.

4. Register your business

Every city, county and state has specific requirements about doing business within its jurisdiction. Call or visit your local offices to see what particular requirements and fees exist in your area.

5. Obtain Insurance Investigate the types of insurance you will need to get your business started. Auto insurance, liability insurance and bonding policies are a must for pet sitters. Often times clients will request to see proof of coverage prior to the first sit.

Auto Insurance Commercial auto insurance is necessary to protect your business against potentially devastating liability costs resulting from an accident involving your vehicle while conducting company business. Typically, time spent conducting company business is not covered under a personal automotive policy. Check with your agent to see if you need to make additions or changes to your current policy.

Liability insurance Liability insurance will protect you in the event that unforeseen circumstances arise. Lawsuits occasionally follow events such as dog bites, property damage in a clients home or a pet passing away in your care. A good liability policy will protect you in such cases. It is a must have!

Bonding honesty insurance ensures clients you are trustworthy, and if they prove otherwise, the insurer provides them compensation. Bonding policies are necessary for any business where an individual is entrusted with valuables, like the key to someones home and all its contents. There are several Bonding companies throughout the country; each providing a different level of coverage. You can locate many of them by performing a Google search or asking your local insurance agent.

6. Establish website/email account and telephone line

Website presence - Establishing a web presence is a must in todays high-tech world. A website can set you apart from competitors and open your business to a much larger market. Customers will be able to get information about your service 24/7 (even when you are not available). Having an email account linked to your business site is a convenient, low-cost way to communicate with clients.

Telephone Line - Its a smart idea to invest in a separate phone line for business use only. Purchase a reliable voice mail plan and use it effectively. Your phone is a very important business tool if used properly. Your outgoing message should be professional, include any pertinent details and identify your business to the caller immediately.

7. Prepare Service Contract and Important Forms

Service Contract - A written service contract is a necessary tool. It outlines what services you will provide to the client, what fees you will charge for those services, what is behavior is expected of the client and/or pet, when payment is expected and what happens if payment is not made in a timely manner. A service contract formalizes the client/sitter relationship and ensures you have a shared understanding of the services you will be providing. Do NOT provide any service without a signed contract.

Veterinary Release Form - This form serves as written permission for you to seek medical care for a pet in your custody when a client cannot be reached during a medical emergency. Important document you wont want to do business without.

8. Advertise
Advertise, advertise, advertise!!!! Advertising is a big key to success! Advertising promotes your business to a wider market. Advertising allows you to build your companys brand. The more familiar your target market becomes with your brand, the more credibility your business establishes. The more trusted your brand, the more clients youll attract. The following examples are a few of the low-cost things you can do to get your advertising program started:

Design a memorable Business Card

Deliver fliers to local vet offices, groomers, pet stores, trainers, shelters, etc. (Maybe doughnuts, too good to establish a relationship and referral base)

Design a Logo create a brand for your company

Local Newspaper ads- advertise only in the areas youre interested in working

Telephone directory listings

Submit a press release to local media - free and very effective

Send direct mail postcards

Host or plan a pet event with other pet vendors (Halloween pet costume contest, open house, pet first aid class, etc.)

Magnetic car signage advertise to the locations you visit most

Participate in community parades

Send out quarterly newsletters

Canvass your local area with door hanger ads

Following these steps will start you on the road to success the rest is up to you!

Los Angeles, CA (Vocus/PRWEB ) June 11, 2008 — Farmers Insurance Group of Companies advises its customers suffering damage from the Stockton, Indians Wildlands, Sacramento, Oroville, and Lafayette wildfires to immediately contact Farmers’ 24 hour claims hotline, 800-HelpPoint (1-800-435-7764) for immediate assistance.

“We hope these fires are contained quickly and with little damage,” said Kirk Tweedy State Executive Director of Farmers in California. “However, we all know how fast these fires can spread and we are monitoring the situation closely and carefully. We will bring in as many resources as necessary to assist our customers.”

Farmers Group, Inc. is a wholly owned subsidiary of Zurich Financial Services, an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Farmers is the nation’s third-largest Personal Lines Property & Casualty insurance group. Property and casualty products are underwritten and issued by the Farmers Exchanges and their subsidiaries, which Farmers Group, Inc. manages but does not own. Headquartered in Los Angeles and doing business in 41 states, the Farmers insurers provide Homeowners, Auto, Business, Life insurance and financial services to more than 10 million households. For more information about Farmers, visit our Web site at www.farmers.com.

Contact:
Jerry Davies
213.400.4459
jerry.davies@farmersinsurance.com

Auto insurance companies generally take into account several factors when determining your rate, such as driving record, geographical location, vehicle model, coverage limits, vehicle safety features/anti-theft devices, operator discounts, prior insurance, and age. (And in some states and with some companies–sex, marital status, where the vehicle is kept at night, and credit score are also factors) While many of these factors are difficult, if not impossible, to change, there are still some relatively simply steps you can take to save money.

The 11 steps you can take to lower your auto insurance premium are:

(Note: we have tried to list the steps from the most obvious to the least obvious)

1.) Needless to say, try to avoid being involved in accidents or receiving moving violations by driving defensively and obeying all traffic laws–This is by far the most important way to reduce your auto insurance premium (plus it is safe and smart!).

2.) If you already own a registered vehicle, make sure to keep your insurance current, without a lapse in coverage, since many insurance companies provide much better rates to individuals who already have current insurance and have an established history of insurance coverage. Note: If you have had a lapse in insurance on a registered vehicle, we recommend getting insurance coverage as soon as possible and THEN do more shopping for better rates. Since you will have re-established your insurance, you will now be (PRESTO!) an insured motorist and most likely able to secure a better insurance rate immediately with another company.

3.) If you have an anti-theft device on your vehicle, make sure to let your insurance company know about it. If you do not have an anti-theft device already installed, consider adding one if you have comprehensive coverage on your vehicle. Insurance companies generally offer discounts for anti-theft devices from 5% to 20%, or more, of your comprehensive coverage premium, depending on the type of anti-theft device. Vehicle recovery devices (e.g., Lo-Jack or On-Star) generally provide the biggest discount, with automatic anti-theft devices (i.e., those that arm themselves) probably being second on the list, and passive anti-theft devices (i.e., those that you must arm) and window glass etching or ignition shut-off mechanisms probably providing less of a discount. Of course, before installing an anti-theft device you will probably want to compare the savings you will receive by adding it to the total cost of installation. Depending on the cost of installation, it may not be cost-effective to install it.

4.) Check with your insurer to find out whether they offer discounts for attending a defensive driving course. These courses may normally be taken by drivers of all ages. Discounts vary by state and from company to company, but by paying a small fee and spending a few hours of your time for a defensive driving course, you may be able to save yourself approximately 5% to 10% or 15% of your TOTAL insurance premium. Note: If you are over age 55, ask about a special “Mature Driving Course” or “55-Alive Driving Course” discount. Also, if there are multiple drivers on your policy, ask whether you can receive a larger discount if all of you take the course–some companies will offer larger discounts, some won’t, but if you ask, you can at least decide which driver/s on your policy should take the course to maximize your discount.

5.) For youthful operators (generally considered to be drivers under the age of 25), make sure you ask the insurer what discounts they may be eligible for. This may seem obvious, but it is amazing how many people miss out on significant savings because they forget to ask about specific discounts for younger drivers. Driver’s Ed or Driver’s Training and Good Student discounts are the most common types of discounts for youthful operators, but always ask if other discounts may apply.

6.) Always notify your insurance company when you have changes that may be beneficial to you. For instance, if you were single and are now married, make sure to let the insurer know. If you used to commute a far distance to work, but now have a shorter commute or work out of your home or are retired, you will most likely be eligible for a lower rate. If you used to park your car in your driveway or on the street and now park it in an enclosed or covered garage or shed, you may get a lower rate. As a basic rule of thumb, if it seems to you that you are less of a risk due to some change in your life, chances are your insurance company will think the same thing and give you a lower rate.

7.) Check rates for higher Bodily Injury (BI) limits. That’s right, HIGHER limits! Believe it or not, it may be substantially cheaper for you to have limits for BI coverage of 50/100 or 100/300 than it is to have the state minimum coverage. One of the reasons for this odd phenomenon is that insurance companies consider you to be less of a risk if you are the type of individual who would be conscientious enough to have higher limits of BI coverage. Insurance companies have shown statistically that drivers who have higher BI limits are, overall, better risks and less likely to be involved in accidents or losses. Therefore, you can insert yourself into this group of drivers that is viewed more favorably by your company by carrying higher BI limits. Note: If you currently carry lower BI limits, your insurance company may not immediately rate for the change–you may have to wait until the next renewal to see a price change, or, in some cases, you may have to increase your BI limits and then shop for other insurance so that companies give you “credit” for your higher limits.

8.) Consider taking full coverage off of that older vehicle that is paid for. Many, many people carry full coverage on an older-model vehicle they own that may only be worth a couple thousand dollars. Even if they have a total loss of their vehicle, they may only receive a small amount of money for their vehicle after the deductible is taken into account. Yet, they may be paying several hundreds of dollars extra every year for full coverage. To save money, compare what you would receive for your vehicle if you had a total loss to what it costs to carry full coverage, and then make an educated decision. Note: Taking full coverage off of an older vehicle probably makes the most sense when the drivers of the vehicle have a good driving record, since they are even less likely than the average person to have an accident and file a claim.

9.) If your credit score has recently improved, contact your insurance company to find out whether they will re-run your credit score to possibly give you a lower rate. Most auto insurance companies now use credit in one form or another to accurately rate a policy. Whatever your personal opinion is of this practice, it is the standard method of operation for most auto insurance companies. (Note: There are states that have made laws against use of credit for auto insurance rating purposes. In these states, this step will not help you.) Because your credit score is a MAJOR factor with some companies, an improvement in your credit may save you a LOT of money, but only if you request that they re-check it).

10.) Check on how much it would cost to add comprehensive coverage, collision coverage, or both to your vehicle. Surprisingly, some companies actually offer lower rates if you have comprehensive, collision, or both, than they do for liability-only policies. This is definitely counter-intuitve, but it is based on the same principle mentioned above regarding higher BI limits–the insurance company may view you more favorably (as far as risk is concerned) if you are an individual who would at least carry more than the basic coverage on your automobile. So, when you shop for quotes on a vehicle, you may want to check what the difference in price would be between liaiblity coverage, liability plus comprehensive coverage, and liability plus comprehensive and collision coverage.

11.) Lastly, periodically contact your insurance company to see whether they may be able to place you with one of their underwriting companies that is designed for “better” drivers (”better” according to your insurer’s rating factors–they are not judging your “goodness” or “character” for this!). Normally, insurance companies (particularly the larger companies) have multiple underwriting companies (subsidiary companies) that specialize in underwriting different categories of drivers based on the company’s risk assessment of you. If you are not in the insurer’s “best” underwriting company (reserved for their “best” risks), you always have room for improvement with that company, and by simply asking to be considered to be placed in one of the underwriting companies for “better” drivers, you may be able to save yourself a LOT of money over the years. Note: You may only have a real chance of being placed in a better underwriting company if your driving record has improved dramatically over the last couple or several years or if, in the states where credit may be used, your credit score has improved. Either or both of these improvements may give you leverage with the insurance company to request that their underwriters review your policy for placement with a better underwriting company.

We encourage you to visit our website www.quotehippo.com to sign up for our Free bi-monthly insurance newsletter and get your Free quotes on Auto Insurance, Life Insurance, Home Insurance, Health Insurance, Motorcycle Insurance, and Small Business Insurance. We now also offer great quotes on Mortgage Loans and Auto Loans. Our slogan is “Insurance & Loans Made Easy” and that is what we strive for.

San Jose, Ca (PRWEB) February 28, 2008 — For those who have no difficulty obtaining insurance, read the latest insurance industry news to find ways to save money on your policy. Lower your premiums by installing anti-theft equipment or upgrade to deadbolt locks. Check out the insurance articles for ways to obtain coverage that your standard policy lacks.

Self employed people are sometimes in a bind finding health insurance. Read about Association Health Insurance Plans as a possible solution. In some situations you may pay more for a policy, but think of the consequences of going without health insurance. With up to 30% of Americans without health coverage today, any policy is better than none.

Auto insurance laws have undergone some important changes that merit review. Up for perennial debate is the practice of using your credit rating to determine your auto insurance rates. If your insurer has you set up on a high premium because you have bad credit, learn how to repair your credit to lower your rates. Some insurance laws and questionable insurance practices may not be changed any time soon, but you can minimize their impact on you by keeping informed.

Obtaining affordable insurance quotes does not have to be an impossible goal if you know where to look. Insurancespecialists introduces new insurance articles and news several times a month and helps you obtain the insurance coverage you need.

Contact Information

Jon Davidson, CEO and President
InsuranceSpecialists.com
3031 Tisch Way, #700
San Jose, CA 95128
Ph. 408-554-8990