What does your agent do for you?

So in theory what do they actually do for you?

  1. help explain insurance terms
  2. help lower your rates
  3. help keep your rates level
  4. help filter through a claim

EXPECT MORE 

This is YOUR partner, you are exchanging money for promises of good service if something should go wrong.  Well the “going wrong” doesn’t happen very often so what can they do in the meantime?

  1. help you by being a resource for ALL things insurance related
  2. make introductions to other professionals
  3. help you grow your business by hiring you
  4. follow you on twitter

$8 to park at a hospital?

Seriously, that is what it cost when I went to visit my grandmother at the hospital.  That is awful, I have paid less to go to professional sporting events.  $8 can provide adequate nutrition for at least 1 person if not 2 for a day but instead it bought me a parking spot for 1 hour.  There is more than enough evidence that it is the presence of loved ones that truly enables healing yet they make it difficult.  So let’s dive a little deeper;

Who causes “higher” insurance rates?

Most people will immediately think it is the company.  The company sets the rates and the underwriting standards that you accepted when you signed your contract with them.  The company determines which of your tickets, accidents and claims will have an impact on your rate and for how long. ** Despite what you may have heard corporations are not people and cannot get tickets or have accidents or claims**

Is time the best Insurance Discount?

It might be.  It might also be the most under used and least asked about.

If you are between the ages of 16 and 25 your lack of time on this planet is a reason why you spend more on insurance.  BUT what if you pay attention?  Maybe you start on your parents policy and make sure they have solid coverage so when it is time to switch you are in a better position.  Then, typically after three years of being licensed, it is time to shop.  Now just stay on top of things because you get a little older you can likely improve your rate, assuming a clean to fairly clean record.

Price versus value

Want to change the discussion from Price to value?  STOP ADVERTISING PRICE.  Advertising on price is the easy way.  It is basically telling the consumer we are a commodity and can not come up with anything original that might bring some value to your life.

Want some evidence?  Follow your mail for a month and count the generic garbage being put in front of you that thinks your only concern is price. Even worse , I received the same exact awful letter from four different State Farm agents.  Not only is it an awful, demeaning marketing piece but why does State Farm allow there agents to cannibalize each other?

Real estate, the internet and some random ideas to use

Random thoughts that are resulting from watching a friend try and sell her  home.

Started off good, Realtor helped them buy this home around 8 years ago and kept in touch.  Then, when approached gave some solid ideas on little things to improve the home.  So you have a homeowner doing the right things and now the house is on the market.  Now you also have 5 houses for sale in your neighborhood and yours only shows up when specifically searching for your address.

So your first listing that shows up only has one bad photo, FIX THIS.