Common Restrictions On Over 50s Car Insurance Policies

For people over fifty, the cost of insurance is something commonly thought to increase as your continue to age. While this may be true with health and life insurance, the cost of car insurance frequently lowers as you get older. Although this is in part thanks to years of safe driving and the experience gained because of it, many companies place restrictions on the car insurance policies of drivers in their fifties and older. While these restrictions help result in lower premiums, they also provide limitations or require additional action in order to receive them.

Mileage Limitations

Frequently, auto insurance companies offer discounts to drivers in their fifties or older based on a reduced level of driving. These mileage limitations can save older drivers a significant amount of money each month, but restrict the total distance that can be driven throughout the life of the policy. After retirement, many people end up making shorter drives, and spending time in their vehicles less frequently. The less time your car is on the road, the less likely you are to get into an accident. With this approach, the lower risk of a claim is passed on to the insured driver through a reduction in premiums. When getting a new policy, ask your agent if there are any limits on the distance your are covered for and verify where your policy is in effect. Some policies only cover certain areas – traveling abroad may require additional insurance.

Defensive Driver Course Restrictions

Another way in which insurance companies reward drivers is through discounts association with the completion of defensive driver courses. Although drivers in their fifties have much more experience behind the wheel than their younger counterparts, the process of aging undoubtedly impairs aspects of driving such as reaction time. Discounts in car insurance for drivers who have completed defensive driver courses are a common way for companies to encourage safe driving and reward drivers who have been in the driver’s seat for decades.

Government Imposed Restrictions For Some Older Drivers

In addition to restrictions on car insurance policies that many companies have in place in order to provide discounts to older drivers, there are numerous other driving restrictions put in place by local governments. While these restrictions will vary based on where you live, it is important to check with your insurance agent regarding any laws that may apply to you.

Some of the more prevalent restrictions for older drivers include:

• Driving During The Daytime Only – Driving at dark can be dangerous for aging drivers because of a reduction in sight quality. Many municipalities require drivers over a certain age to stay off the road from dusk until dawn.
• No Driving On The Highway – The highway can be a dangerous place thanks to heavy amounts of traffic and high speeds. As a single mistake in judgment can have serious consequences not just for the driver, but also those nearby, some places restrict where older drivers can operate their vehicles.
• Mandatory Use Of Driving Aids – Perhaps the most widespread restriction on drivers over fifty is the mandatory use of driving aids. A number of locales require older drivers to complete regular testing to ensure they’re safe to drive and anything needed to drive safely, from glasses to hearing aids, is documented on drivers’ licenses.
• Being able to obtain more affordable car insurance is a benefit of getting older, but the lower costs are normally not without a trade-off. When obtaining a new policy, verifying any limitations placed by the insurance company, and ask about any other potential discounts you can receive due to your age. By understanding the requirements and restrictions the insurers have in place, you can ensure that you’re getting the coverage needed while saving as much money as possible.

Toni King has worked as an insurance agent for the past ten years and loves sharing his experience through various blogs. Toni often works with older drivers to make sure they’re getting the proper coverage at the best price.

Get Noticed in 2014 - 4 Marketing Techniques to Try in the Coming Year

Running a business is a rewarding venture, but it is also one that poses new challenges each day. Even companies with undeniably intelligent business plans, high-quality products and competitive prices can find it difficult to stay ahead. One of the biggest challenges for businesses is simply getting noticed. In a crowded marketplace — particularly one in which technological advances have lowered the barrier to entry — it can be quite difficult to produce a steady stream of interest. 

Get Social

If you're not already embracing multiple social media platforms, now is the time to do so. Different demographic groups use different platforms, so concentrating all of your efforts on just one site means you will risk missing out on a large chunk of potential consumers. Social media offers an attractive option because you can reach an audience whether they are at home or mobile, and it doesn't cost anything to send out messages. Additionally, it is easy for people to copy your messages and pass them on, allowing you to expand your audience effortlessly.

Promotional Products

Getting your name out is essential if you want to keep expanding your business. And, just as in movies and television, product placement can be a very effective strategy for doing so. Getting custom-made promotional products, such as promotional zipper pulls or custom carabiners by HALO will dramatically increase exposure to your brand, which is crucial if you want it to become a household name. These small, utilitarian products are items that customers can use every day, encouraging repeat exposure. Promotional products are inexpensive to make but can make a significant impression on your target audience, making them a great marketing investment. These promotional products can be imprinted with your company’s logo and contact details so every time they are used by current and potential customers, you gain marketing exposure.

Get Involved

Don't be afraid to think outside of the box when it comes to marketing; you don't have to restrict yourself to traditional advertisements or commercials. You can also get exposure for your business by volunteering in the community or sponsoring an event related to your products or services. These strategies can help you gain vast new audiences and have your business be seen in a positive light.

Get Personal

People are more likely to interact with and support a brand with personality, so make sure your target audience knows that there are people behind the products. Starting a blog can help you show your human side and will also give people more insight into how your business operates and witness your passions. Getting on the same level as your audience will make your business more appealing so that consumers see you, not a faceless corporation.

Cutting through the barrage of marketing messages that consumers receive every day is no easy task, and it requires strategic planning. Luckily, altering your approach to marketing is much easier than changing a product's design or chain of distribution. If you want to get noticed in 2014, consider adopting some of these marketing techniques that will get you noticed in your chosen field.

3 Secrets to Creating an Unforgettable Customer Experience

In this contemporary era, many business owners are realizing that offering great customer service can help boost the growth and expansion of their companies. If you are a business owner in search of strategies that can help create an unforgettable customer experience that keeps your customers buying your goods and/or services throughout their lives, consider implementing the following three strategies.

1. Make Eye Contact.

As many sales experts know, one of the primary ways to build a relationship with a customer is to develop good rapport. Although broadly defined, rapport is basically a harmonious relationship between two individuals or a group. It is marked by people being able to understand one another's feelings and communicate with ease. While there are a wide variety of ways that an employee can build good rapport with a customer, making eye contact can be one of the most effective.

This is the case for several reasons, including the fact that doing so often generates belief in the notion that you are an honest individual who has no ulterior motives for starting the communication process. When a customer senses this type of genuineness, they are much more likely to open up and have a conversation that can translate into the building of a relationship. Once this happens, conversion is almost always imminent. 

1. Give Away Promotional Items.

Another great way to create an unforgettable customer experience is to offer your customers a great promotional product that is imprinted with your company’s logo and contact details. In addition to looking very professional and serving some kind of use to them, promotional products cause the name and company concept they represent to stick in the mind of the consumer. This doesn't have to be something that is expensive. However, it needs to be thoughtful, useful, and attractive in some way. For a truly unique and engaging promotional product, why not order your custom designed Magic 8-ball? With your company's logo and messages imprinted on this iconic toy, you'll leave a lasting impression on your customers while adding an element of fun and intrigue to your brand.

2. Make Eye Contact.

As many sales experts know, one of the primary ways to build a relationship with a customer is to develop good rapport. Although broadly defined, rapport is basically a harmonious relationship between two individuals or a group. It is marked by people being able to understand one another's feelings and communicate with ease. While there are a wide variety of ways that an employee can build good rapport with a customer, making eye contact can be one of the most effective.

This is the case for several reasons, including the fact that doing so often generates belief in the notion that you are an honest individual who has no ulterior motives for starting the communication process. When a customer senses this type of genuineness, they are much more likely to open up and have a conversation that can translate into the building of a relationship. Once this happens, conversion is almost always imminent. 

3. Develop Amazing Product Knowledge.

One often overlooked strategy that is very effective in creating an unforgettable customer experience is developing amazing product knowledge. When customers enter a restaurant or supermarket, they oftentimes need help identifying which product would be appropriate for them to purchase. If you train your staff to become experts in the goods and services you offer, you will wow your customers and help them find what they're looking for much faster.

Conclusion

If you are attempting to further your business by implementing strategies that help create an unforgettable customer experience, you should know that doing so is entirely possible. By implementing the techniques listed above, you will likely find your business growing at a more rapid rate than ever. Good luck!

Setting Your Business’s Marketing Budget

While marketing may not be the lifeblood of a running business, it certainly does keep an organization’s lifeblood flowing. From letting customers know about new products and services to gaining new revenue streams and continually refreshing interest, marketing and advertising have a very important role to play when it comes to staying in the black.

But how important is marketing — not in an ideological way, but in dollars and cents? How much should a business allocate to marketing, and how is a company supposed to arrive at that figure? If times are lean, and you’re more worried about how you’re supposed to afford to print postage, should you still pump money into advertising, or is it wiser to let your marketing dollars fall to the wayside? Here is a quick look at how to set and spend a marketing budget, as well as a pitch for why you need to do it even when you think you can’t afford it.

How to Set a Marketing Budget

A general rule of thumb for most businesses is that they should allocate and spend about 5 percent of their operating budget on marketing and advertising in order to maintain their current level of business. If you want to grow your market share or you have a new product to introduce, however, that figure should jump to at least 8 percent, because pushing past the inertia of what people already know about you can take some added effort.

Beyond those general rules, here are four other methods you can employ when devising your marketing financial plan:

• Utilize a fixed percentage of sales. Take last year’s gross sales or the average sales from the last few years, and allocate a percentage based on those numbers. Five percent is a good amount, but some businesses only spend around 2 percent. The advantages of this technique are that it’s stable and doesn’t try to predict the future, but focusing too much on the past can keep you from being aggressive, and sales are not always directly related to advertising alone, which means your figures may not totally line up.
• Keep up with the Joneses. This method employs doing what your competitors are doing. Whatever the industry marketing expenditures average is, adopt it. It’s easy and predictable, but looking at everyone around you can keep you from effectively increasing your market share.
• Take a task-based approach. Set specific marketing goals, and outline the tasks you’ll have to do to reach them. Then, determine your budget based on how much it will cost to perform those tasks. This method is accurate, but if it fails, it’s probably going to be costly.
• Go all in. If you have a strong stomach for risk, and you want your business to grow quickly, set aside a minimum amount of money with which to do business and put the rest in your marketing budget. Because it’s aggressive, this type of marketing can gain leaps and bounds over a more passive approach, but it’s risky. You’re liable to spend yourself out of business.

How to Spend a Marketing Budget

In order to properly spend the money you’ve set aside on marketing, you need to have a plan. From utilizing social media to television, direct mail and other campaigns, your money needs to be spent with wisdom and intention. Outline the avenues you’ll use, and then, get started. Once you know where your money is going, keep track of whether the expenditures are actually meeting your goals. If you need to adjust or change, do so. A marketing plan needn’t be fixed. Knowing whether or not your money is achieving your marketing goals is much more important than sticking to your plan or sticking to your budget. Compare quarters and campaigns. Analyze sales data and expenditures. Be patient, and be open to things that do and don’t work, and above all, make sure that your plan and its execution are in keeping with who you are and hope to be as a business.

Regardless of the type of business you run, you need people to know about the goods and services you provide so they’re able to purchase them. Even in lean times, you need to treat your marketing budget as a non-negotiable expense, because without awareness, you won’t have customers. Staying in business, remaining competitive, gaining market share — a good marketing plan with a solid and reliable budget will help you achieve these things and more, but you have to do it consistently.

About the Author: Jerry Jacobs is a contributing blogger and freelance marketer.

5 Innovative Tips That Will Drive Your Tourism Business to Success

Tourism as an industry has changed greatly over the years. Once upon a time, individuals interested in travel consulted agencies that would guide them in the best direction for their desires and budgets. The internet has turned many of these would-be customers into amateur travel agents. Now that the novelty of budget travel sites has declined, vacationers are once again looking for tourism businesses to guide their way. However, getting these customers to find you is a struggle faced by every tourism business.

1. Targeted Tourism

One of the best ways to stand out in the tourism industry is to become an expert in a specific field. Focus on a narrow region of the United States, an individual city, or even a specific theme park. Dozens of agencies have found massive success by centering their businesses on DisneyWorld. Another route to choose is helping U.S. citizens travel abroad. Whichever sector of the industry you choose, make sure you have the best tips and the most knowledge, and get as specific as possible within the of your specialization.

2. Promotional Products

Customers will not contact you if they don't know your name. Use local San Antonio bulk promotional products to advertise your tourism business. These promotional products can be imprinted with your company’s logo and contact details so every time they are used by current and potential customers, you gain marketing exposure. Something as simple as a logo pen will literally keep your name at your customers' fingertips. Promotional products like these act as walking billboards, ensuring that you gain repeated marketing exposure every time they are used by recipients. Other great promotional choices for tourism agencies include custom travel bags, personalized coffee mugs, and toiletry kits imprinted with your company logo. Giving your customers small items that they can carry with them could take your name around the world.

3. Court New Clientele

A new tourism business may have high-flying dreams of helping average families attain the vacation they have always wanted. If this is your goal, focus directly on it. However, there are many other groups that are willing and able to spend tourism dollars with you. Think about focusing on seniors, for example. Some have been saving for years in order to travel, but they need someone to help them find the locations that are comfortable, exciting, and safe all at the same time. Other groups to consider are spring-breakers, honeymooners, or business travelers, who arguably have the most disposable money for travel expenses. In fact, even trying to network with business leaders through your might open up a profitable relationship where you can plan business trips and outings.

4. Data Development

Regardless of your focus, offering a travel app to all customers is an excellent service that will keep them returning for all of their future needs. You can develop an app in-house or hire an expert to create it for you. All you need is an idea of what you would like to offer. Will you offer maps, local restaurant guides, packing lists, or all of the above? Look at some of the best travel apps for some ideas of what you should include.

5. Easy Access

Who would have thought that one of the most innovative ideas is also one of the easiest? Allow customers to reach out to you throughout their planning and their vacation. They will feel at ease knowing they can contact you with questions even when they are far from home. This will give you an edge on the competition, many of whom forget about their customers before their plane has left the ground.

A tourism business takes a great deal of care. However, with time, effort, and imagination, your tourism business may be the country's next success story.

Choosing the Right Payday Loans for Your Financial Needs

Loans (Photo credit: zingbot)

Getting Payday Loans, the Brilliant Solution for Solving Your Financial Problems

Having an urgent bill, credit payment, and urgent daily needs that should pay at the same time makes you very confused and suppressed. It can make you get dizzy and no appetite because it is the huge problem in your life. You will definitely find the brilliant way to solve your financial problems. What will you do when you have those financial problems? Coming to the nearest financial company or bank may be the first action that you do. It is used to get emergency quick cash loans in order to overcome your financial problems. Having the right payday loans get easiness for you.

Offering an Easy Process

It is the right action to do but you have to find the best bank or financial company to provide loans with an easy process. Getting a short-term loan is the best solution for your problem. It is often called payday loans that can be used to cover cost of borrower until you get the next salary. Most of banks give an easy process of loaning.

Giving Cash Loans Based On the Needs

Quick cash loans from payday loans are around 100 to 1000 dollars but it can be changing depending on your needs. It means that you can take a loan based on your needs at the time but it should be balanced for your salary and financial ability.

Offering a Quick Process

You can get the cash loans quickly. It only takes less than one hour to get the cash loans. Nevertheless, before you get the cash loans from the bank or financial company, you should meet the requirements including reaching 18 years old, having bank account, having salary or working, and giving address.

Steps to Get Payday Loans to Meet Your Needs

Sometimes, most of people get difficulties in taking payday loans from a bank because they do not know to process it. To get payday loans from a bank, you need to follow some following steps. You will get emergency quick cash loans to pay your bills from the bank easily. It is good to find a financial company which offers simple process. There are only three steps to follow.

Completing Your Personal Identity

The first action to do is entering zip code, identity and occupation information for getting a fast payday loan. You do not need to make a copy or document about your personal identity to take payday loans.

Filling Out Payday Loan Application

Before taking a cash loan, you should fill out payday loan application soon. You will be guided by staffs to give instructions about how much money that you take and other requirements to complete. 

Signing Contract

The last step is signing a payday loan contract from the financial company. The contract includes payment requirements and other important information. You can choose two payment processes through a bank account or online payment.

Those simple steps should be considered before taking loans from a financial company. One of good financial companies is Fast Cash that offers you those all simple and easy steps to take payday loans.