7 Costly Mistakes Parents Make When Buying Insurance For Teen Drivers

Special Report for Parents of Teen DriversFor many parents, having a new driver in the house can be nerve wrecking. Of course, you worry about their safety. Every parent does.Now that you’ve taken all of the precautions possible to ensure your child drives safe, it’s time to learn How You Can Avoid Paying Outrageous Insurance Rates and Protect Your Family’s Future From a Lawsuit – a lawsuit that can devastate your family’s financial situation for years!In this report, I am going to share with you secrets that the majority of people in the insurance industry will never want you to know. That includes other agents, claims adjusters, and especially, the insurance company executives themselves.You are going to learn the most closely held secrets of the insurance industry!Why are these secrets so closely guarded from the public? Because, if every consumer knew them, it would cost the insurance companies dearly.Why am I so willing to pass these secrets on to you? Because I can, it’s good for you, and it’s good for my business.You see, I don’t work for an insurance company. I am not an employee that has to do what an employer (the insurance company) tells me to do. I am a business owner that works for my clients – not one single company that makes me keep my mouth shut.My clients benefit greatly by knowing the entire truth about this business. They understand what their rights are and they learn the best ways to get the most coverage for the least amount of money.Having the freedom to give my clients 100% loyalty and truly looking out for them has helped my business is a number of ways- most importantly is that my clients trust me and are extremely loyal to me. My clients stay with me for years and even want me to help the people closest to them like their own family and friends.OK, let’s get into why you’re reading this report.The 7 Costly Mistakes Parents Make When Buying Insurance For Teen DriversLet’s start at #7 and work our way to the most important…Costly Mistake #7Carrying low deductibles- Your “deductible” is the amount you pay when you make a claim before your insurance “kicks in”. In other words, if you have a $1,000 claim and a $250 deductible, you pay the first $250 and your insurance company pays the next $750.The disadvantage of raising your deductible is that when you make a claim, you’ll pay more. The advantage of raising your deductible is that your premium will go down, sometimes as much as 15% to 30% on your collision and comprehensive insurance.Since the rates for young drivers are higher, the savings for higher deductibles are higher too. Usually, you can save enough in a short time to cover a higher deductible if you have a claim.So, think about increasing your deductibles- especially for the car your teen drives!Costly Mistake #6Not taking advantage of ALL discounts- Insurance companies reward drivers that they think are good risks with significant discounts. Here are some common discounts you need to look or:• Safe Driver discount• Good Payer discount• Automatic seatbelts discount• Airbag discount• 55 & Retired discount• ePolicy• eBill• Good Student or @school discount• Multi-policy discount (more on this later)Not all insurance companies offer all of these discounts. You need to find a company that does. Not taking advantage of these discounts could cost you 40% or more!Costly Mistake #5Place the young driver on a separate policy- This is usually one of the first options many parents consider. They think if they buy a separate policy for their teen driver, the rates for their other cars won’t go up.While that part may be true, the rate for the teen driver’s policy goes way up for two reasons. First, there won’t be a multi-policy discount for the single car on the teen’s policy and second, you will have to buy a policy from a high-risk insurer. “High-risk” insurance companies charge rates that are more than double of a standard company.It can cost you much more than higher rates by placing your teen on a separate policy!The most dangerous problem insuring your teen with a high-risk insurance company is that you can’t buy limits higher than the state minimums, usually. The liability limits offered by these companies are usually no higher than 50,000 per person, 100,000 per accident and 25,000 for property damage.Some parents think that’s fine- that they will only sue their child’s insurance company if there’s a big claim. Wrong- a good attorney will go after the parents too. As long as the child is living in the parent’s home or is a dependent, any good attorney will drag you into the lawsuit.The smartest way to insure your young driver is too insure them on your policy with the highest liability limits you can get.Costly Mistake #4Insuring your home and cars with two different agents. When you split up your home and car insurance with two different agents, you’re most likely paying too much.Insurance companies make more money when you insure everything with them. That is why they offer such big discounts for multiple policies. They know that if you have more than one policy with them, you’re likely to stay with them longer. Which is fine, as long as you are saving money and getting good service. Right?The problem with this is how do you know that you are really saving money? If you have a good relationship with your local agent, you’ll know if they are concerned about offering you the best rate by how often they ask you to come in for policy reviews. If your agent invites you to pop into the office and review your policy for discounts to make sure you are paying th best possible price for your insurance, you’ll know they are trying to save you as much as possible – all the time.Another great benefit to using a local agent is that in rare cases, you may not want to combine your insurance with one company. Good, trust-worthy local agents will still offer to review those other policies that aren’t with them to make sure you are covered properly and help you decide if you are getting all the discounts on that one, too – even if it’s with another company.Costly Mistake #3Not taking advantage of your good credit rating- Here’s a very little known secret that can save you thousands for years to come.Insurance companies have been using credit ratings to underwrite premiums for decades now. They know that if someone is responsible enough to have good credit, they are usually more responsible drivers. So, they offer lower rates to these customers.You can be rewarded for your good credit with special low rates for your teen driver too!Did you know that if you have good credit, there is one insurance company that can give extra low rates for your teen drivers too? That’s right. If you as a parent have good credit, they will give you special rates for your teen driver. They figure if parents have good credit and are responsible, the young driver will most likely be responsible too.To find out how much you can save because of your good credit, call my office.Costly Mistake #2Lower Liability Limits to Save Money- This mistake can cause you financial disaster!Many times parents will cut back their liability limits just to save a few bucks- thinking nothing will happen. However, teen drivers are five times more likely to get into an accident than an experienced driver, and the cost of a teen drivers claim is typically three to five times higher.The smartest decision a parent can make is to increase the liability limits to at least 250/500/100 and add a million dollar liability umbrella. This is the cheapest way to get great coverage. You can do this and still save money.By following all of the advice I have given you in this report, you can get quality coverage and still save money!The # 1 Most Costly Mistake Parents Make When Insuring Their Teen DriverUsing an insurance company employee as an agent- Don’t trust your hard earned dollars with someone who’s not an expert in Home and Auto insurance. This agent isn’t interested in your protection or saving you money. Their loyalty rests with their ability to sell you a one-size-fits-all policy that won’t protect you when you need it.You need an authority – an agent that is knowledgeable enough to understand the inner workings of policies, and that listens to you to address your true needs. The authority in your area for home and auto insurance will be easy to find. When you call to get a quote, if they ask you for your name, rank, and serial number – they are usually just doing the minimum work necessary to get you the lowest price, one-size-fits-all policy. These are the majority of insurance companies and agents out there with their name on a shingle.When you find someone that wants to talk to you about your financial security, the safety of your teen driver, the discounts you can qualify for and the strategies you can use to help you control your rates while you have teen drivers – that’s the agent you want to do business with. That’s the agent that offers the best value.The only insurance agent that can truly look out for your best interests is an authority, an expert. These agents will work for you and will go to bat for you- especially when you have a claim.Insurance is a very technical business. Policies, coverages, endorsements, exclusions. I’ve studied the details: auto insurance companies with the best rates, the most discounts and the best claims service.If you want an agent that is an expert in family protection- understanding the insurance needs of family’s with teen drivers, works for YOU- not an insurance company and will work diligently to deliver you the best protection at the lowest cost, call my office for an instant quote on your coverage.Wishing you and your family great happiness, health, and prosperity!Erik WellsErik Wells All American Agencies888-817-4481

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Top 10 Ways to Waste Your Automotive Search Marketing Budget

10: Buy outside of your dealership’s geographic area:Every car dealer wants their customers, their competitors customers, and will go to great lengths to buy zones or marketing areas well outside of any reasonable area. Often, it’s a naive marketer that buys a 100 mile radius on new car leads. What’s the REAL CHANCE you will sell a NEW Chevy when a customer will have to drive past 53 other Chevrolet dealers on the way down? Used cars is another story. We have some great success stories of selling cars outside of the state, region, even country.9: Buy keywords for models you do not sell:Of course people are cross shopping vehicles. Yes you may put a Cayenne buyer into an FX45 but first and foremost, get the proper keywords before you even think about buying any other automotive keywords. Then, if and when you do buy competing models, closely watch the clicks, conversion rates to see if these are even turning into automotive leads or are just a wasted effort.8: Buy generic phrases:If you are buying phrases like “cars” and “used” then you have purchased a one way ticket to spend budget quickly. You will attract all sorts of crazy requests especially if you buy a “broad match” which may include such wonderful phrases as “cars for demolition derbies” and “used jeans just like Madonna”. Automotive marketers beware but a click is a click to Google and they will charge you if you are not smart enough to prevent it.7: Don’t match your ad to your destination page:You ad says “Toyota Camry’s for $199/mo” and your landing page is a homepage that is still 3 clicks away from finding the Camry inventory. As a special bonus to your customer, they can’t find this $199 special because someone forgot to load it into your special offer section of your dealership’s website. Talk about a time waster. Another one-way ticket to find another dealer on Google is coming to a customer near you. Could you envision a situation where a customer walked into your showroom, asked about a Camry, and you walked him around your entire dealership, showed them the service department, F&I, and led them to a few doors which may or may not lead to a price on that car?6: Make crappy boring generic adsThis is an automotive marketing staple. Boring, generic ads with no compelling reason to click on them. Sure it’s great you are on top of Google but that will not last long if you have a low click through rate, and customer’s are going to click on the ad that excites them. We run many automotive ads simultaneously and constantly make them compete to beat the next ad. This is why we can see a 15% or more click through rate on some ads and other dealers say that pay per click just does not work.5: Spend too much on “gotta have it” keywordsI was at a dealership the other day, who shall remain nameless, who said “I have to win the word Honda”. I don’t care how much it costs, but anything Honda, I need to be #1 in paid search.”. This dealership would have put together a pay per click campaign that resulted in clicks on Honda motorcycles, Honda outboards, Honda used, Honda jet planes (yes take a look at them) and anything else. Plus he may end up paying $10 per click on competitive words. Insane.4: Ignore Analytic reports and focus on traffic:90% bounce rates on pay per click ads mean that 90% of your customers are leaving almost immediately. If you are not looking at analytic reports then you are spending money on the wrong keywords, ads, sites, etc. We just left a dealer who was buying the word “free” in their PPC campaign. Sure, tons of clicks. Duh. Bounce rate near 100%. Duh. I can’t even imagine how much they paid per click. Factor in the exit rates (what pages people are leaving from) and the new visitor ratio, and you can get a good idea of the best sources of traffic. Buy more good, buy less bad.3: Let Google run your campaignSure it is easy and may be good to get you started, but Google suggestions will often just give you irrelevant phrases, or provide you with odd budgets. Buy what you need, leave the rest. Remember, Google wants to spend your automotive budget.2: Spend too much per clickSometimes, coming in 2nd is a good thing! When the price between being a first place listing and second place listing is $2.00 per click, it pays to let go of first sometimes. Often, we can buy several times as many clicks for our clients just by avoiding the “bid to win 1st” mentality. Sometimes, the “long tail” philosophy can lead to a boatload of clicks at a low price.1: Buy your own nameHere is our favorite one of all, bidding on your own name. There is a very popular and well known automotive marketing company who can get dealers a ton of clicks and “phone calls” as well. It’s easy when you buy the dealers name. If you are already #1 with your own name (most dealers are) and there is no competition, the DO NOT buy your own name. They will find you for free. That is buying the cow, AND paying for the milk. It’s insane that a major, well funded business has built a business model around redirecting a dealers own traffic back to the dealer, and getting full credit for it. There are cases where you do want and need to buy your own name but in most cases, it is not necessary.

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Behind the Notes – How to Read and Understand Piano Sheet Music

Have you ever tried to write down a piece of music for the piano?Even if you are not a composer, this is a task from which you could learn a lot. Among other things, it will show you how there is always a variety of ways to do it, even if all you want to do is to write simple notes. If you want to include instructions of touch, articulation or pedalling, the complications grow even more numerous.Through the centuries composers seem to have become more and more ambitious about this sort of thing – you only need to compare a score by Scarlatti or Bach with one by Debussy or Rachmaninoff to realise that. Of course, there are many exceptions to this, and one must not stop looking for all the subtle hints in early scores – this is the mistaken approach that led 19th century editors to feel the need to “fill in the gaps” left by their predecessors.If you know where to look for them, a composer like Mozart certainly gives you all the hints you need to play his music like he envisaged it. If the score sometimes allows for different approaches, that is because he leaves that particular decision to you. In that sense, nothing has really changed over the years, except that it would seem that modern composers tend to leave less to the taste of the performer. But quite possibly that is also partly a misunderstanding. The composer of early music probably trusted his performers more because he (at that time, composers were sure to be male) knew that they would recognise the conventions of the particular time and place. Of course he hoped that his art would survive his own circumstances, but he wrote it down for people of his own culture, with roughly the same sort of references and education.The composer of the 20th or the 21st century doesn’t belong to such a well-defined tradition. He or she often feels as if they are writing something entirely new, and for the whole world at once. Now, if you’re speaking to somebody on the other side of the globe about something that you just have invented, there are a lot more things to be explained than if you’re speaking to an old friend about a movie that you’ve both seen five times.So, what do we learn from this?Well, that it’s always important to look for the details of the score; that it’s important that you use reliable, urtext editions; that it’s important that you try to learn as much as possible about historical notation and performance practices. If you really want to understand a composer – Beethoven, Liszt, Chopin, Scriabin or anybody else – you need to reflect why they wrote their music down the way they did.

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