Posted on Monday, 8th February 2010 by jkibler

Automobile car insurance Read this and quickly learn how to save money and provide yourself with good coverage on your car at the same time.

Car insurance provides security to the driver against liability incurred if he or she should cause an accident. In most states everyone needs to have the basic liability insurance policy.

Your person wants to save money and car insurance there are ways you can do this.

              1.Buy basic liability insurance. This is the least expensive type of insurance and will cover you in the event that you cause an accident, which causes property damage or injury to other people. This type of insurance will also provide legal assistance to you in the event you cause an accident and people would sue you for damages over and above the liability amount.

Liability insurance however will not pay for your injuries or damages to your car in the event you cause an accident.

            2 Collision insurance. This type of insurance not only pays for other people in other cars but it will also pay for your car even if you caused the accident. If you buy at car and finance at you must have this type of insurance.

   3.Comprehensive insurance. This type of insurance will cover your car against absolutely everything including damage and theft.

With the different types of insurance that are available the best thing to do would be to go online pick out five insurance companies and asked for a quote.

Take the different quotes and call your insurance agent and asked him if he can match the price.

Another option is to buy direct car insurance. These types of insurance companies can sell insurance cheaper because there is no agent involved and no commissions being paid.

Jimmy says there’s lots of different ways you can save money on car insurance. These are only a few.

Whoa Jimmy?

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Posted on Monday, 8th February 2010 by jkibler

Automobile insurance companies read this and quickly learn that different times of auto insurance will charge different prices and provide different heights of coverage.

My question is this, what kind of auto insurance are you looking for. Almost every state will require drivers to possess some type of insurance in the event they cause an accident, which causes property damage or injury other people.

It is up to you to find the best possible type of coverage at the lowest price.

There are things you can do yourself to lower the price.

1. Raise your deductible from $200 up to $1000 and this will save you about 40% of the price of your car insurance.

2. Drive a small four-door sedan. This would be a lot cheaper than if you had a two-door convertible with a big engine.

3. Keep your car in safe place. The price will be less if you keep your car locked in a garage at night instead of out on the street in a high crime area.

4. Not all car insurances charges same price. As a matter of fact, if you can get quotes from five different car insurance companies you are going to get five different prices.

5. Buy direct. If you buy your car insurance from a direct car insurance company you will get a much lower price because there will be no agents involved and no commissions paid.

Jimmy says, do these things and lower the cost of your car insurance.

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Posted on Monday, 8th February 2010 by jkibler

Small business insurance Read this and quickly learn the 6 Tips that you can do that will lower the cost of your business insurance.

If you’re in the market for buying business insurance there are some steps you can do that will substantially lower your cost. You do not have to take the first price that the first agent you gave a talk to gives to you.

1. Shop online.

The cost of coverage will vary from company to company and some brokers specialize in specific types of business while others will connect you with a policy specific to your business activities. This is what you want. For example if you operate a Laundromat service you want to find an agent that can help find policies that cover Laundromats. Many times it takes a specialist broker to get this type of coverage for your particular type of business.

2. Assess your risks.

The level of risk that insurance companies are willing to accept in your policies determines the price of insurance policies. This procedure is called underwriting and underwriters will review your application and determine whether it will provide all the coverage that you’re requesting.

3. Each policy carries a premium and deductible.

A premium is the price you pay for insurance and a deductible is how much money you pay out of your own pocket in the event of an accident. If you are willing to raise your deductible you could substantially lower your cost.

4.Consider a business owners’ policy. BOP.

Business insurance can be separate or put together a package called a business owners policy. Separate policies from different insurers can result in a higher total for all of your premiums. A BOP combines coverages into a standard package and is offered at a premium that is less than if each type of coverage was purchased separately. And as a word of caution, make sure you understand that the extent of coverage in the BOP you are considering is going to include every type of insurance that you need.

5. Find a reputable agent or broker.

There are agents and brokers who specialize in selling business insurance and they are much more suited to match your business needs than general insurance agents. Brokers and agents receive commissions from insurance companies when they sell policies so it’s important you find a broker who will look out for your needs and who are not necessarily looking for the best commission he can make on what he sells you.

6. Reevaluate your insurance coverage every year. As your business grows your insurance needs will go up and if you had an off year and your business has gone down you may need less insurance. This could save you money.

Jimmy says buying insurance for your small business does not have to be expensive if you will take time to do your homework.

Whoa Jimmy?

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Posted on Monday, 8th February 2010 by jkibler

Business insurances Read this and quickly learn how to save money on the different types of Small Business Insurance that you will need.

Insurance coverage is available for every possible risk that you can imagine with your business. The amount of coverage and the costs vary among insurers and you should discuss your specific risk and the type of insurance that are available with your agent or broker. Your agency can advise you on the exact type of insurance you should consider as different costs are involved.

1. General liability insurance

There’s a type of insurance that you will need to cover yourself due to an accident, injuries or claims of negligence. These policies will protect you against paying for bodily injury, property damage, medical expenses, liable, slander, the costs of defending lawsuits, and settling any and all judgments required should somebody sue you.

2. Professional liability insurance.

This is also known as errors and omissions insurance. This type of insurance coverage protects your business against malpractice and in negligence in providing services to your customers. Depending on what your profession is, you may be required by your state or area to carry such a policy. For example doctors are required to purchase malpractice insurance as a condition of practicing in certain states.

3. Product liability insurance

This type of insurance protects companies that manufacture, sell, distribute or wholesale products in the event that somebody is injured or suffers a real loss as a result of a defect in your product. The amount of insurance you need for this depends on the products you sell or manufacture. If you are operating a bookstore for example, you would need less of this type of insurance than if you operated a gun store.

4. Commercial property insurance

This kind of insurance covers everything related to the loss and damage of company property due to events such as fire, smoke, wind and hail storms, riots, and vandalism. The definition of the word property is broad and includes lost income, business interruption, loss of building, loss of computers, any company documents and of course money.

5. Home based business insurance

Most people do not know this but homeowners insurance policies will generally not cover home based business losses. Many people who have their own home based businesses will have computers, copy machines, fax machines, and all kinds of paper and storage containers. Should your business be damaged or if you are unable to work this policy could possibly provide you with income until you get your business back up and running.

Jimmy says make sure you have insurance for your business if you depend on this to make your living.

Whoa Jimmy?

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Posted on Monday, 8th February 2010 by jkibler

Wedding planner jobs Read this and learn how you can be a wedding planner and make good money and help people at the same time.

A good wedding planner will earn $1,ooo and up for every wedding they do.

Mary and I used to do a lot of weddings as a matter of fact we did a wedding almost every weekend and most of those were big weddings. Mary played the music and I would do the ceremony. What an adventure that was. All the different people and all the different personalities involved. I could tell stories for hours.

With a big wedding we would usually have a rehearsal on Friday evening. I would get everybody organized, teach them how to walk down the aisle and teach everybody in the wedding party what they were supposed to do.

People would show up for the rehearsal and everyone would just stand around with no direction and nobody in charge until I would say okay here’s what were going to do. I would then tell everybody in the wedding party that I take no direction from anyone except for the bride and her mother. This way I didn’t have 20 people giving me directions at once time.

We would go through a full rehearsal two times and everybody would know what he or she was supposed to do. The next day during the wedding everything would go perfect.

The point here is that somebody needs to be in charge. If there is a wedding planner that person is in charge and will direct everything from start to finish. Mary and I always said that if there was a wedding planner involved everything would be so much easier and many people know this so they will hire a wedding planner.

Working as a wedding planner a job that you can pretty much do at home because most of your work is done on the telephone.

How to get started as a wedding planner.

1. Go online and learn as much about it as you can. You will be amazed at how much information is out there.

2. Start out by helping your family and friends plan their weddings. Most people have an idea of what they want in their wedding but they have no idea about how to go about it and having somebody help them eliminates the confusion. These people you can use later on as references.

3. Make friends with people who own bridal shops. These people will refer business to you because one of the first steps when planning a wedding is that the bride and her mother will go to bridal shops just to see what’s available.

4. Make friends with wedding photographers as you can get referral business from them and they will be eager to make your acquaintance because they know you will be calling photographers.

5. After you have some experience put together a portfolio of your experience as a wedding planner so that you will have something to show prospective clients.

6. Call local pastors and tell them you are available as a wedding planner. Many times pastors, I am speaking from experience will be talking with people for months before the wedding.

7. Have a brochure made outlining your services and different packages that you offer.

8. Have business cards made up and pass them out at weddings. Most people who are planning a wedding never even think about calling a wedding planner. If they are thinking about getting married they will save your card.

9. Go to bridal shows set up a booth and you will have plenty of people who are planning to get married to talk to.

10. Put a small ad in the yellow pages under the heading of weddings. This alone may give you enough business to keep you busy.

Jimmy says being a wedding planner could be an exciting job and you will be helping people at the same time.

Whoa Jimmy?

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Posted on Monday, 8th February 2010 by jkibler

Automobile insurance rate Read this and quickly find out how to lower your car insurance rate is still have good coverage for your car.

If you’re in the market for car insurance there are some things you can do to lower the price.

Some of these things you can do include:

1.Asked for a higher deductible. Reducing the deductible on your car insurance from $200 to $1000 can save you as much as 40% or more. However, before you choose a higher deductible make sure you have enough money set aside to pay the difference if you should have a claim.

 2. Drop the collision and/or comprehensive insurance if you have an older car. If your car’s older there is no reason for you to have this type of insurance when all you need is liability, which comes at a much lower price.

3. Compare insurance cost before you buy a new car. Many people don’t realize that car insurance comes in different prices for different types of cars. The car that carries the lowest type of insurance would be a four-door sedan with a small engine.

4. Seek discounts. If you want to organizations such as AAA you may be able to get a discount on your auto insurance. Also you may be able to get a discount through your employer.

5. Get your homeowners and auto insurance from the same company. Jim and Mary do this and we received a huge discount on our car insurance.

 6. Keep your driving record clean. If you’ve got any tickets in the last year go to a driver school and have the points removed your drivers license. This will reduce the premium for your car insurance.

 7. Safety features. Make sure your car has seatbelts, airbags and antitheft device. Safer cars pay less for insurance.

 8. Low mileage discounts. If you drive a low number of miles each year make sure your insurance company knows it as there are discounts for low mileage.

Jimmy says there are ways you can lower the cost of your car insurance and if you look at this list and follow them you will pay less.

Whoa Jimmy?

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Posted on Monday, 8th February 2010 by jkibler

Find car insurance 3 different ways so read this and quickly learn how to save big money buying car insurance.

Right now in this day and age that we are living in buying auto insurance has never been easier and there is basically three different ways to do it.

Number one. Call an agent.

I guess this is the old-fashioned way. This is the way that I used to do it when I first got my drivers license and bought my car. My mother and I drove uptown to visit the local insurance agent and make arrangements for me to have insurance for my new used car.

Car insurance agents are listed in the phone book and most people will look and pick out one close to their neighborhood.

The advantage to using agents is that you establish a relationship with a human being, somebody you can talk to and somebody you can call if you have an accident and somebody who knows your needs.

Number two. Go online and you will find a variety of websites, which offer to provide you with a quote for your car insurance. Just fill out the information and sometimes in a matter of minutes you will have a quote.

Once you have your quote from the insurance company’s website you can either buy from them right then and there or you can print out the quote in take it to your local insurance agent and ask him or her if they can match the price.

Number three. Buy direct.

This you can do one of two ways. You can either call a phone number on your television screen which is so easy a caveman can do it, give them the information over the phone plus your credit card number and presto you have car insurance.

Or, you get on the website of a direct insurance company give them the information, get your price, fill in your credit card number and sure enough you got car insurance.

Jimmy says whichever method you use get quotes from at least three different companies before you make a decision.

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Posted on Monday, 8th February 2010 by jkibler

Affordable car insurance Read this and quickly learn how you can save big money when your car insurance and still get good protection at the same time.

Car insurance is not have to be expensive. In most states if you drive a car you are required to carry some type of car insurance and the reason for this is to protect other drivers in case you would cause an accident, which would result in property damage or personal injury to other people.

Some things you can do to lower the cost of your automobile insurance.

1. Maintain a clean driving record. If you have traffic violations go to drivers school and upon completion the points will be removed from your license. If traffic violations are not amended they will result in higher insurance rates.

2. Raise your deductible. You’ll be amazed at how much money you’ll save if you raise your deductible from $200 up to $1000.

3. Drive a small or medium-sized four-door car with a 4 or 6 cylinder engine. Most people don’t realize that a lot of your insurance price is determined by what kind of car you drive.

4. Keep your car is safe place. If you keep your car in a locked garage your insurance will be substantially lower than if you would keep it out on the street in a high crime area.

5. Maintain a good credit report score. Car insurance companies think that people who are responsible for their credit will also be responsible for their driving.

Jimmy says these are just a few of the things you can do to lower the cost of your automobile insurance.

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Posted on Monday, 8th February 2010 by jkibler

Income protection policy Read this quickly learn how you can protect your income and protect your family if you would ever be unable to work.

Many times people who have good jobs with a good income cannot imagine themselves ever being in a situation where they were not able to work. This is something everybody needs to think about. What would happen to your family if all of a sudden you are injured and were not able to get to work everyday.

Some companies have provisions for this and some don’t but if you’re self-employed this is something you have to take care of all your own.

Nobody likes to think about this but it takes money to make the world go round especially your world and your lifestyle and the well being of your spouse and your children.

I teach prosperity in my church because money is very important in our society even though nobody wants to admit it and nobody likes to think about it.

Money provides options. If you have money you can live where want to live, eat what you want, drive what you want to drive, and do what you want to do. People who lose their income lose their options.

And income protection policy would enable your family to continue if all of a sudden you are unable to work. Most of these policies do not pay full salary but most will pay up to 75% and that would be enough to allow you to continue to live the lifestyle that you have become accustomed to. Most people can tighten their belts 25%. Very few can tighten the belt 100%.

If you have no income protection go online and find some companies that provide this type of insurance. I think you will be pleased to find out just how inexpensive this type of coverage is and it will give you peace of mind to know that your family will always be protected.

Jimmy says make sure your family can continue to live the way you are living now if you are no longer able to work.

Whoa Jimmy?

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Posted on Monday, 8th February 2010 by jkibler

Term life insurance policies read this about the different types and different prices and now you can save money on all of them.

If you are in the market for affordable life insurance you would probably want to consider term life.

This is the type of life insurance that will provide a basic coverage at a set price for a specific length of time.

There are different types of term insurance.

1. Basic term insurance. This you can take out for 5 years, 10 years, 15 years, or 20 year term life and be covered for the length of the term with a set price and with a set benefit during that term.

2. Decreasing term insurance policy. This is also referred to as a mortgage insurance policy because it has a fixed premium over the entire term, however the death benefit is constantly decreasing with the passing of time because it is connected to your mortgage debt, which decreases as you make your payments. Most insurance experts are not very enthusiastic about this type of policy. Who wants to make the same payment for a decreasing benefit?

3. Burial insurance. There’s a small insurance policy aimed at covering the funeral costs. This is this type of insurance is marketed to seniors and has a very limited benefit and depending upon the age of the person applying for the insurance premiums can be very high.

4. Return of premium. This type of policy will return a part or all of the premiums you have paid during the term if a claim is not filed. The premiums however with these types of policies are usually higher in cost.

Whichever policy you decide on it is important to shop around and make sure you get the best policy at the best price.

Jimmy says the most important thing is to make sure that your family is protected and that your children will be educated in the event something might happen to you.

Whoa Jimmy?

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