5 Tips To Get Cheap Car Insurance For Young Drivers

Getting cheap car insurance for young drivers in not easy and many parents worry about it. Many parents buy expensive car insurance for young drivers because of proper knowledge. Apart from the riskiness of teen drivers, following these 5 tips you will be able to find cheap car insurance.

1. Installing Safety Features
Auto insurance companies may first check how safe the car the young driver is driving. Having many safety features in the car is considered to get car insurance that is cheap. Install anti-theft device in your car and try to install other safety device. This is the easiest way to reduce your insurance rates.

2. Having A Good Student Discount
Another way to find cheap car insurance for young drivers is having a good score in class. Auto insurance companies offer discounts for those who have an average B or above in class. Young drivers can get discount and save up to 15% by simply just maintaining good grades in school.

3. Attending Driver Safety Courses
If you don�t have any safety course certificate then attend motor vehicle accident prevention course. Also try to attend other safety courses approved in your state and provide the documents that you successfully complete the courses and you will get cheap auto insurance from the company.

4. Purchasing Low Cost Or Used Vehicles
High performance car usually carries high insurance rates, so avoid buying luxury, sports cars or light cars. If you are going to insure old or used car, car insurance companies may give you the insurance policy that re cheap.

5. Considering Higher Deductibles
If your insurance has a higher deductible, you can lower the insurance rates, but you may have to pay more expense after the accident.

Cheap Car Insurance Company For Young Drivers
Among the thousands auto insurance companies there are few car insurance companies which offer insurance package  specifically for young drivers. The best auto insurance company for young drivers is Nationwide. Young drivers have an accident and its simple to consider, but this will increase drivers� insurance rates 25%-30%. If you insure your car with Nationwide, you can save money and don�t have to pay increased rates by it�s accident forgiveness package.

Though getting cheap car insurance for young drivers is tough, but if you follow these tips then you will find the cheapest auto insurance for teen drivers.

10 Simple Travel Health Insurance Tips

Travel health insurance helps the travelers to know better the insurance policy and to reduce the premium. If travelers know the policy better, they can often save money on travel insurance. Here are top simple travel health insurance tips travelers should know.

Tip1: Understanding Travel Health Insurance Policy First
Travelers should read travel insurance policy before purchasing any plan, and better understand the coverage the company has offered. Every policy has few limitations such as pre-existence health conditions and age limits which must be well known to travelers unless it could be a great problem.

Tip 2: Medical Assistance Services
When travelers are going to buy insurance policy, they should ask to the company if they have any assistance service for their clients. Experience shows that there are many assistance service companies which are disinterested to take to emergency calls to real doctors or nurse. But it�s not all the cases, there are some serious insurance companies which pay attention to their respected clients and provide assistance service. Though it is little bit expensive to receive calls from distance, but few companies take their responsibility because minutes can save lives.

Tip 3: Understand the Preexisting Condition
Travel health insurance policy has few terms and conditions and the travelers should understand the preexisting condition clause of policy. And check these terms and conditions apply since travelers� departure date, not while purchasing the plan. Suppose travelers buy an annual health insurance policy then these conditions apply to the departure date of every trip.

Tip 4: Buy Health Insurance That Cover Medical Conditions
Travelers who take medication will not congregate with the pre-existing clause and unfortunately you will not get any coverage for such conditions. So check the insurance policy and in case you do not understand compare among different agencies which offer health insurance plan compatible with your medication.

Tip5: Choose Affordable Deductible
Many travelers want to save money while purchasing insurance policy. However, there are various deductible choices in policy by which traveler can easily save money and has to provide fewer premiums.
So choose any deductable which only you can afford. While choosing plan you see there are few policies which have greater deductibles, do not fall into that trap because greater deductable means greater price.

Tip 6: Save Money In Multiple Trips
Generally insurance companies offer health insurance plan in different category such as single trip, multiple trips, individual trip, family or group plan etc., first determine that whether your trip is single or multiple in a year. If you are planning multiple trips then you need to buy annual plan rather than single plan. Annual insurance policy is comparatively less expensive, and you can save as much money as making another travel.

Tip 7: Save Money Even In Higher Age Band
All know that higher age people have to give higher premium and lower age people have to give lower amount, but there is little trick to get lower premium yet you are in higher age band. It seems if your birthday will place before your trip, you have to give extra 20% - 40% premium more than earlier, but if you purchase health insurance plan and leave your country before birthday, you can save significant amount of money which you have to pay after your birthday. Even you can save money by purchasing insurance policy before birthday with lower age band.

Tip 8: Follow Doctor�s recommendations
Many people often do not take drugs or medicine even their doctor recommends them because they think it might affect insurance policy. This practice is bad, though it is true but traveler should follow the doctor�s prescriptions because health is important than money. When doctor gives change in medicine, you should take unless the insurance company rejects your claim in the ground of unstable preexistence medical conditions. It would be better while getting an insurance plan provide details about your medical conditions and the medicine you are using.

Tip 9: Inform Your Insurance Company If Trip Plan Changes
Many people do not inform to their insurance agency when they change in insurance plan and the most mistakes are that they forget or intentionally do not inform their departure time and arrival time. This is the worst case and most important reason to get rejected their claim. Logically why any insurance company covers you if they do not know where you are and what you are doing. They simple void you policy. So inform as soon as you are planning to change your plan r any part the plan.

Tip 10: Show the Proofs of Departure and Arrival
Travel insurance companies sometimes check the proofs of your travel and sadly few people forget to keep record of their medical expenses and other costs and get rejected. There are few ways to keep record such as use credit card on the first day and last day of your trip. Some health insurance companies recommend using stamp on passport while departing from and arriving to your country.

These travel health insurance tips help travelers to purchase insurance policy properly, to get affordable health insurance, to know how to choose deductable which less premium and finally to know how to claim.

Tips to Choosing Health Insurance Options

Health Insurance is perhaps one of the many vital requirements in life today especially when you are living in a place where none is provided for you by your government. To be with the right health insurance is to be with a more secure life regardless of your age, gender or stature in life but it actually becomes a more perceive need if you are already a senior or with some particular medical condition. Choosing health insurance options may not be as easy as buying candy from a store, so to speak. Today, you will find several private insurers and they could present to you a variety of options which may not always be the right one for you. How you go about choosing, here are some tips.

Will It Cover Everything You Need?

Why would you buy a health insurance in the first place, if not for you to get covered for everything you �need�, right? Of the many health insurance options available in the market today it should be easier for you to find the one that covers for everything you need. You may want to consider looking into offers from smaller insurance companies who are most likely able to customize the health insurance according to your demands. In order to make sure that you have everything that is necessary covered, start with the most basic needs in illnesses, injuries, or any other medical services. Then level up as you go along. It should be nice if the insurer could sit down with you in discussing the plan you wish to avail of.

Would The Cost Be Just Right And Not Bring You To �Bankruptcy�?

Since you will be paying good money for the health insurance you would buy, you might as well make sure that it will be worth it. For the price to be just right, you should be able to establish the �worth� of the plan in accordance with the �inclusive�. Health insurance options can be tough on the pocket but if you will be covered for most anything you need and the payment scheme can be easy to meet, then there is no reason for you to consider it as an impractical choice. Try to work out a plan that would not get your pocket empty and be without any cash for other emergency expenses.

Is The Plan The Best Amongst The Ones You Have Reviewed?

Again, one should not forget that there is a plethora of health insurance options out there today and with the competition getting bigger, you are most likely to find competitive plans. For easier access on plans, you may want to consider using the web to search for as many of these options as you can and then make the selection after much consideration.

These health insurance options should work for you and not against you therefore you need to choose the right one for you. There is no telling when it should benefit you but surely it will anytime soon. Do not allow yourself to live without health insurance as this is a need these days.

avoid rental car insurance fees

How to avoid rental car insurance fees :  It makes me crazy whenever I rent a car, and the agent highly recommends I get the "collision damage waiver," or CDW. They tell me it's $15 to $25 per day.

With rates like that every day, they must think I'm a drunk who always drives on the wrong side of the road. Have they even checked my driving record? So, I never get it. Why? Because my insurance agent told me I'm already covered, and many of us are. Besides, I rent the car using a credit card, which also provides rental car insurance.

Is that extra fee sometimes recommended by rental car agents really necessary?

Typical Coverage*
Item	Rental Insurance	Personal Insurance	Credit Card
Damage to rental car	Yes	Yes	Yes
Damage to other cars	No	Yes	Possibly
Damage to property	No	Yes	Yes
Damage to people	No	Yes	Possibly
Deductible	No	Yes	Yes
Theft	No	Yes	Yes

A little pre-planning with your insurance agent can get you to say what I say: "No, thank you. Your daily rate is outrageous.", "I think a lot of people don't know" about coverage, says Don Bennett, owner of Sage Insurance in St. George. "That's the biggest problem. Every time someone rents a car, they're just not aware of what the coverage is."

Bennett says most people don't pay for the extra insurance and take the chance that they won't get into a wreck.

"It's much better to ask a few questions in advance and know where you stand should an accident occur," Bennett says.

The car rental agencies offer what's called a collision damage waiver. It covers damage to your rental car at rates from $15 to $25 every day. But it doesn't cover the damage to other cars, property � or, worse, people. And neither will your credit card.

That's why you should ask your insurance agent about whether the liability from your personal auto insurance will extend to your rental car. In most cases, it will.

"If you don't have comprehensive and collision coverage, the only coverage is property damage and bodily injury, through your negligence," Bennett said. "If you do have comprehensive and collision, that will extend as well."

But your deductible also extends to the rental car. If you have a $1,000 deductible on your personal car, that will also be the case with your rental. That's where your credit card comes in handy.

"Your credit card insurance would pick up that first thousand dollars in damage for you," Bennett said.

Here's another fee car rental agencies tack on after an accident: the "loss of use" fee. They'll zing you for every day the car was in the shop and they couldn't rent it out.

Now, the rental agency's own collision damage waiver covers that. But it's another question you should ask your insurance agent first.

"If your personal auto insurance doesn't pay loss of use or administrative fees, your credit card rental insurance may pay those," he said.

Discover Card does not, but Visa, Mastercard and American Express do. But here's the thing: The rental agencies have to show they didn't have other cars available to replace the damaged one. I know from experience they won't always tell you that, while tacking on the fee. They once told me it was standard practice in the industry. Here's another thing to consider: theft.

The collision damage waiver won't cover you if your rental car gets stolen, so see if your own auto insurance or credit card will cover that. If you are covered for theft, your policy might also say if you are careless with your own car or a rental, you're not covered.

"Like any personal vehicle, you want to lock the doors, take the keys out, that sort of thing, otherwise you run the risk of not having that coverage," Bennett said.

Here's another thing: If you wind up buying that car rental-offered overpriced insurance, you may actually be hurting yourself when it comes to credit card insurance. Bennett says credit card companies find out if you bought that rental insurance, and then the credit card won't have to pay.

If you do use your credit card and expect insurance coverage, the credit card must be the one issued to the primary renter of the car. If you rent a pick-up, SUV or luxury car, credit card insurance won't work � but still your personal insurance might.

best Term Life Insurance to option

best insurance stock - best type of life insurance to option : Search around the web for the best type of life insurance, and you�ll find lots of financial advisers who say, without hesitation, that term life insurance is best. While I generally agree and have term life insurance myself, the right answer for each individual is not always that easy.

The truth is that with life insurance, as with many financial products, �best� is a relative term. The question isn�t, �Which is best overall and for all time?� The question is, �which type of policy is best for me?�

The best life insurance is the one that suits your needs based on your current and predicted future financial situation.

Here, we�ll talk about the major types of life insurance � term, return-of-premium term and permanent � and look at the pros and cons of each. Then, you can decide which type of life insurance is best for you.

Term Life Insurance: Most Recommended Option

The American Council of Life Insurers says that term life insurance policies accounted for 3.7 million new policies totaling $1.1 trillion in face value in 2011. That�s nearly three-quarters of the face value of all individual life insurance policies issued in 2011.

That�s not surprising, given that most financial professionals (at least the ones who don�t get hefty commissions from selling permanent life insurance) say term is best.

And, in many cases, term life insurance is the best option. With term life insurance, you pay a set monthly premium for a certain amount of life insurance coverage for a certain amount of time. You might get $500,000 of insurance for 20 years, or $2 million for 10 years, depending on your circumstances.

But the key to term life insurance is that it�s for a set term and that the payments don�t change. Here are some of the pros and cons of term life insurance:

Competition of Insurance Companies

Information about the insurance market at a glance

Local private insurance companies dominate the insurance market more common than joint venture (joint venture). Increasing the market share of local insurance companies than a joint venture because it is generally a joint venture targeting specific markets and market different from local insurance companies.

Local insurance companies dominate because more aggressive market penetration into areas while the joint venture only big city.

Five force model is a business strategy that is used to perform the analysis of the industrial structure. The analysis is based on five competitive forces are:

The threat of a substitute product
How dyantolife substitution for insurance? Are consumers can easily obtain substitute goods? The more close substitutes, then the customer can switch easily. Force is influenced by several factors such as switching costs, the tendency for substitution, product differentiation, and more.

The threat of the entry of new competitors
How difficult / easy for new competitors to get into your industry? This force is influenced by the brand equity, the barriers to entry such as patents, etc., distribution, or core competence of a particular skill, economies of scope, cost advantage, and more.

The bargaining power of customers
How is the strength of your customers? This force is influenced by: the number of buyers, the concentration of buyer, buyer switching costs, availability of items, big order buyers, price sensitivity, degree of differentiation, and so on.

With marketing and market penetration tactics that many insurance markets so customers can get a lot of choices to purchase insurance in addition to our company, if the acquisition or marketing teams are not careful in taking the market it will compete.

The bargaining power of suppliers
Supplier is the place where we purchased inputs used for production materials. Force is determined by several factors including: cost of switching to another supplier, supplier number, supplier concentration, availability of input substitution, differentiation level inputs, up to the level of supplier relationships.

• Supplier of insurance companies over the custodian bank. If the number of custodian banks more so we could have more alternatives in choosing a bank and custodian banks could choose higher interest rates, lower costs and better service.
• The selection of investment products as much as return on bonds, mutual funds, money market, equity could be an alternative choice of investment companies that can return a higher member.   

The intensity of competitive rivalry
How does the intensity of competition in the insurance company? The more the number of competitors, with quality products and competitive prices, the higher the level of competition. Force is determined by several factors, including: the number of competitors, the difference in quality, customer loyalty, product differentiation, price differences, exit barriers, and so on.

The negative side of bank mortgage insurance

The negative side of bank mortgage insurance : Mortgage life insurance isn�t very popular and it has more than a few detractors. For one thing, the premium payments typically remain constant even though your death benefit drops. What seemed like a bargain when you first took the insurance, and your mortgage, becomes less so as the loan balance and the insurance death benefit drop.

Another concern is that the insurance benefit will be payable to your lender upon your death, not to your dependents. That limits the desirability of having this type of insurance.

While it may be good to have your mortgage paid off upon your death, your dependents may have other, more pressing concerns. They will not be able to address those concerns with a mortgage life insurance policy. read How does mortgage life insurance work

Is it worth having?

For most people mortgage life insurance shouldn�t be necessary. You can instead take the largest term life insurance policy you can afford and use part of the proceeds to payoff the mortgage on your home at your death, if that�s what you and your survivors agree upon. However your dependents will not be locked into paying off the mortgage, should they decide against doing so.

A straight term life insurance policy give them the flexibility to allocate the money wherever it�s most needed. Maybe that�s the mortgage, and maybe it�s not, but they�ll have that option.

If you don�t have a whole lot of confidence that your survivors will allocate the life insurance proceeds wisely, then mortgage life insurance can be a consideration. Since the proceeds will be allocated directly to payoff the mortgage event of your death, you will be able to know that it will happen as you wish.

Your survivors might still blow through other insurance proceeds, but at least you can know that the mortgage on a house will be paid for.

How does mortgage life insurance work

best insurance stock - How does mortgage life insurance work : The best way to think of mortgage life insurance is that it is term life insurance with a single purpose: to payoff your mortgage in the event of your death.

A mortgage life insurance policy is tied to your mortgage in almost every way. At the time that you take your mortgage, whether on a purchase or refinance, the death benefit on insurance policy is set up to match the amount of your mortgage loan.

However, the death benefit will decline as your mortgage is paid down. Once your mortgage is paid off, the life insurance goes away.

In the event of your death, the proceeds of the policy will go right to your lender to payoff the mortgage on your house.

As to the specifics, there are variations depending on which insurance company you use as well as the particulars in your situation. It�s also important to remember that while a lender may recommend that you get mortgage life insurance, you are not required to get it. It is strictly optional coverage.

An Easy Way To Double Your Money

How to safely double the money is to save regularly, but a slow accumulation of small savings and interest we can not expect to grow our money in a short time, or it takes a very long time, it can be many years.

Another way to grow is to invest money. Just like a tree, the higher the tree, the greater the wind that reaches it. The greater the investment, the greater the risk that might occur. So, there is no standard size of investment, but investment is determined by the goals you invest and how much you dare to take the risk.

There is a wide range of investments with different risk levels. The investment is relatively low-risk government bonds and deposits. Investment is fairly stable, but the results are relatively low.

Other types of investments with greater risk is to invest in the stock market. Good market situation is very tempting because it can double our money. but the situation with lightning speed can be turned 180 degrees and destroy our investment.  

As the development of the investment climate in the world, there is a new way of investing known as 'Profitclicking'. Profitclicking lets you manage your finances with great results, but it can minimize the risks that may occur.

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Financial Freedom For Family

Most young people, when asked how close they are dreams or financial freedom, usually immediately took a deep breath. Maybe you too?

Unless you are very lucky early on in life, hard work is not an option for this purpose. Sometimes it takes a long time. You might just be able to reach it when the kids grow up, mortgage paid off, and you can take off work. But you must take the first step today.

What is financial freedom?

Short answer: When you are saving enough to support you so that you can turn away from the hard work and stepped out of the office without the slightest regret. Long answer is somewhat more complex.

Do not Wait for Retirement.
Most people achieve financial independence at retirement, with enough savings to spend days old without a monthly salary. You do not have to wait that long anyway.

Most people save for retirement. But if you want a free finance before that arrives, the approach should be different. Retirement planning with money that you pull later, at a point in time that is still far away. Financial Freedom with money that you can access as soon as possible. Or when you stop working.

Define and regularly review the Financial Goals

Determine your financial goals alone. When you want to achieve financial freedom? In 5, 10, or 20 years from now? Draw maps, place the achievement points. Routinely check your real achievements, compare with the dots on the map.

If you fail to meet the 2 points in a row achievement, most likely target you peg less realistic. Or something unexpected happens and disrupt your plans. Means it's time to draw a new map! 

Manage Your Freedom
Whatever your relationships-lover, marriage, or work together-you have to manage your financial freedom. Relationships often end. Make sure that when it happens, you can deal with comfortably. At least about money-and you can focus more on the emotional issue.

If you accept credit disbursement, please register everything in the name of spouse or partner only. Register your name anyway. This will help if you decide to start a business after a breakup. 

Financial FREEDOM for the family!

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Welfare Plan For Your Retirement Now

In order to keep an adequate life when they retire later, we need to raise funds from now by investing. A number of investment instruments could be an option, one through an investment program called Happy Fulfilled Retirement

We need to realize that when they retire there is no such thing as alimony, official cars and official residence. That means that if not financially prepared carefully from now, it could be old age can later poor.

Whoever wants to live when adequate retirement and quality of life did not decrease. The question is, how to plan retirement pension so that the target could be in line with expectations?

So it can be concluded that preparing for retirement needs that we could imagine it is the responsibility of each of us. We must do something. You are the architect of your future finances for each.

Maybe we do not realize our life's journey. Let's just started working at the age of 25 and retirement age of 55 years, the mean age of our work for 30 years. Starting retirement age of 55 years to death after 75 years. This means that we will be retiring over the past 20 years, the period of time that will cost a lot. People often assume that pensions do not need much, it's wrong. Not the cost of transportation, lunch and entertainment that cost much, but the cost of treatment required. How many people set aside old days, especially the cost for treatment.

There's only one reason to resist setting up retirement. Though setting up pension benefits for yourself and not for others. Some of the reasons for the refusal or delay retirement plan include:

1. There is already a retirement from the company
2. Still too young
3. There are many debt
4. Can not save

These reasons that will cause difficulties at the time of retirement. The younger one's getting better at preparing for retirement, because the funds set aside the less. Some things need to be prepared in the retirement plan:

a) Determine your retirement age. For example, 25 years
b) Determine the expected monthly cost equal to the amount of money at this time, for your retirement later.
c) Determine how long you are going to use your retirement funds. For example: 25 years after retirement.

What is the point in preparing for retirement?
1) In order not to lower the standard of living
2) No financial difficulty when his retirement
3) Can be independent when retirement arrives
4) No troublesome children or families.
5) Not burdened cost of healthcare, such as hospitalization, drugs, etc..

So there is no reason to delay the retirement plan, if you have difficulty in determining it. Please contact your financial planner or simply follow the program Happy Fulfilled Retirement

10 Insurance [do not] You Need

Currently, there are many offers and all insurance costs are not small. However, the value of the coverage you need to learn carefully and wisely. Before buying any policy, make sure you are careful to make sure the terms, scope and cost.

In fact, there are many potential catastrophe insurance are less worthy of attention, such as the following insurances:

1. Private Mortgage Insurance
It is insurance protection against losses the lender when the borrower is given a high risk. This insurance is only necessary if you are buying a home with a down payment of less than 20% of the value of the home.

2. Insurance Warranty Extension
Insurance is available at stores that sell electronic equipment. From the point of view of the consumer, the warranty is very rarely used, especially in small electronic items such as DVD or radio.

3. Car Accident Insurance Protection
If you have a loan on the car, lenders tend to require that you have an accident insurance because insurance is designed to cover the cost of vehicle repairs. If your car is paid off, the insurance is not that you need.

4. Car Rental Insurance
In fact, most people rarely rent a car. Even doing so, although the cost of insurance is relatively inexpensive, when amortized over a lifetime may amount you spend will be greater than the benefits.

5. Cheap insurance
Your personal life insurance policy should already cover catastrophic.

6. Life Insurance for Children
Statistically speaking, most children grow up safe and healthy so that parents do not have to buy life insurance for their children.

7. Flood insurance
Unless living in a troubled region with a history of flooding, you should not bother buying this insurance.

 8. Credit Card Insurance
Bids stating the credit card insurance can pay the bills due to your failure to pay it off, but this is just a waste of your money. Better you minimize the use of credit cards so no need to worry about the bill.

9. Life Insurance for Home Loans
Rather than add a policy for this insurance and other bills, it makes more sense to get a regular life insurance policy instead.

10. Specified Disease Insurance
Polis is usually reserved for diseases such as cancer, heart disease, and others. Instead of identifying any possible diseases that you may face, got this kind of policy coverage requires accurate medical clarity.

Best insurance marketing ideas for agents

Best insurance marketing ideas for agents - Here is a list of the very best, proven, and cost-effective insurance marketing and prospecting tips, Here is a list of the very best, proven, and cost-effective insurance marketing and prospecting tips, ideas and advice we've learned over the past 30 years by working with the very best in the insurance and financial services industry. These tips, ideas and advice are designed to get you off to a quick start� but more importantly, if they are used properly and your message is focused on helping people to identify and solve their financial problems, you will guarantee your long-term success!

1. Emergency Info Wallet Cards

Include local emergency numbers like the fire department, police, poison control, etc. Include your contact information and the phone number for claims. Customers will be glad to carry such a valuable card around in their wallet and they will always have your information in their pocket! Referrals are the cheapest and easiest form of insurance agency marketing.

2. Great Email Signature � If you don�t already have an automated email signature, make one right now. Include every bit of contact information about you like your address, phone numbers, website, twitter, facebook, etc. With each new day comes a new form of communication and everyone has a favorite. Make sure you accommodate all communication preferences for marketing.

3. Keep a Voice Recorder in Your Car - When you�re driving and spot a commercial vehicle record some information about the vehicle and the phone number. You can call the owner later and explain where you saw the vehicle and that you would like an opportunity to make a bid on their insurance at the next renewal. In case you want to order one now, here's a link to digital voice recorders on Amazon.

4. Provide Unparralleled Customer Experiences  

Amazing customer experiences are one of the most powerful tools in your marketing arsenal. In today's market, where consumers often expect to be taken for granted and treated poorly, when you treat your clients better than kings and queens they will tell the whole world. They'll go on Facebook and tell a thousand people! You'll never cold-call again if you can turn your book of business into your own sales force. Here's some customer service ideas I put together to get you started. 

5. Get in Their Cell Phone 

 Encourage clients to program your insurance agency phone number into their cell phone in case they have a claim or billing question. They will always be walking around with your contact information. If someone asks them about insurance it will be easier to refer. Referrals are the most successful insurance marketing strategy.

6. Volunteer

The hand that gives, gathers. There are many opportunites for growing your business while volunteering. You can get great PR in the newspaper, meet other local community members and business owners, and educate people about the values and benefits of insurance. Choose a non-profit you have some interest in since the more passion you have, the more benefit.

7. Harness the Power of Facebook 

Stop pretending its not a huge opportunity or you can't do it and start making money with Facebook. Unless you only sell Medicare Supplement Plans, nearly every client you have is already on Facebook and the average user has 130 friends! If you need ideas, check out another article I wrote: 100 Facebook Marketing Ideas For Insurance Agents. Be creative, not too self-promotional, and use Facebook to amplify your community presence. And by the way, updating your Facebook page with fresh and interesting content has never been easier with our latest free marketing product for insurance agents, the Insurance Agency Facebook Idea Dashboard.

8. Host a Window Etching Event  

Window etching is a process of inscribing the VIN number of a vehicle into all the glass on a car. It is supposed to reduce auto theft. You can sometimes team up with the local police department or an organizaiton against insurance fraud like these guys. Gather free insurance leads from the vehicle owners. Remember to frame the sales conversation around any discounts they're getting for the window etching.

9. Door Hangers 

 Sounds old school, but paying someone to go door to door hanging advertisements on doorknobs can be part of your insurance marketing strategy. Arm the person with talking points about your insurance agency just in case.

10. Good Old Telemarketing  

The reason insurance agents still telemarket�it still works. Focus telemarketing in the evening, give your telemarketer lots of talkpaths to use and conduct role plays periodically to keep your telemarketer sharp. Don't aim to quote and sell insurance policies right away. Respecting the prospects, making a positive impression, and gaining an x-date can be more valuable than providing an instant quote.

11. Keychain Tags 

 I mean the thin plastic tags that the grocery store, gym, and credit card companies give members. Include the insurance agency contact information. Customers will want it so they can call you if they have a claim. Now they will always have your contact information for when they refer your agency. Referrals are the best insurance marketing.

12. Get Your Own Website 

In today's marketplace, not having a website is like not having business cards. In addition to looking unprofessional, it also prohibits you from doing any legitimate online marketing.You can get a professional insurance website in three days for under $100 so why haven't you done it already? And for the captive agents... if your "website" is a page about your agency on the carrier's website then you don't have a website. You have a webpage driving local traffic to your carrier's domain to help them sell more insurance directly to your prospective and existing clients!

13. TV Advertising 

 If you get an opportunity for some cheap exposure it may be worthwhile. The best television marketing opportunities would be during programs specifically aimed at your target prospects while they are thinking about your services - like during a program about home improvement or cars. In my opinion, TV ads still do not offer the same ROI as other insurance marketing strategies.

14. Market Your Agency Online 

 InsuranceSplash owns a network of insurance-themed websites oriented toward consumers. Each has an agency locator and you can list your agency on each website. It's commonly accepted that having consistent information about your agency referenced on more websites across the internet can boost your ranking with Google and agency name citatations on regionally specific pages of websites all about insurance should help! Signing up for the lifetime membership is simple, cheap, and only takes five minutes.

15. Pay-Per-Click Search Engine Advertising 

These are sponsored results that show to the right when you search on Google, Yahoo, Bing, etc. This can be an excellent insurance marketing opportunity because it drives traffic to your insurance agency website only from people actively interested in insurance. You choose who views your ads by location and demographics.
Google Adwords � MSN AdCenter (includes Yahoo.)

16. Local Networking Events 

Chambers of commerce and many professional organizations host networking events so businesspeople can meet other businesspeople. Make as many contacts as possible and follow up with people that will assist your insurance marketing with referrals. These events are always loaded with salespeople, focus on how you can help everyone you meet and have fun. Help others be successful and the karma will come back to help your insurance agency marketing.

17. Host Seminars

 It requires promotion, but you can host seminars about financial planning, understanding insurance, saving money on insurance etc. Invite people to your insurance agency office, use a meeting room at a local chamber, use space from a community center, or rent a location. Present a topic that is time sensitive and enticing. �Learning About Deferred Medical Savings Accounts� will not draw as many as: �Secrets to Stop Uncle Sam From Stealing Your Retirement.�

18. Give Free Coffee at Lowes 

Ever see the parking lot of a hardware store at 7 am? All contractors. Among many other potential needs, contractors need commercial auto, general liability, worker�s comp, disability etc

19. Email Newsletters 

 Capture your clients' email and develop an insurance marketing email newsletter. Online email marketing providers can help you produce professional looking newsletters and track who opened emails, what they clicked on, and how long they viewed the message. Make sure to send useful information. People receive too much spam and you don�t want to be that type of insurance email marketing sender. Sending sales emails can be illegal. CAN SPAM Act. For our insurance marketing ideas newsletter, we use a service called Aweber but we've also had good results from another provider named MailChimp.

20. Door-to-door Relationship Building

It�s not easy, but it might be the cheapest and most effective insurance marketing strategies. To be successful with face-to-face insurance marketing orient all conversation around how you can help the organization (with referrals and promotion, not just insurance). Have a non-sales conversation prepared, like a local community event you are organizing and recruiting help for. Be respectful and make an impression without interfering or coming across as a typical salesperson. Get x-dates and follow up with the decision makers before renewals. You will be surprised how many non-commercial insurance leads you get.

21. Online Yellow Pages For Leads. 

Superpages is a great way to find phone contacts for commercial insurance marketing. Focus on a particular market (carpenters, plumbers, lawyers etc) at a time so you can perfect your insurance sales strategy toward each different industry.

22. Sponsor a Car Show 

This is a good marketing idea for any agent, but a fantastic one for any agent interested and knowledgable about cars. Like most of the advice on this page, building relationships is the key ingredient in your agency marketing strategy and this will be a fantastic way to do so.

23. Improve Your Google Ranking

According to their website, Google ranks local businesses based on three things: location, relevance, and prominence. Location means you'll only show for searches near your physical location. Relevance means you'll only show for search terms related to insurance (not locksmiths, hotels, hairdressers, etc.) and prominence means how often Google comes across your business name address and phone number when they surf the entire web. For a more detailed explanation, download the free ebook, 10 Actions to Boost Your Agency's Google Rankings Today if you want to actually get any phone calls this year.

24. Press Releases 

 Have something interesting going on with your agency? Hire someone new? Open a new location? Get appointed with a new carrier? Change the air freshener in your bathroom? It doesn't matter how important the news is, you can write up a little blurb about it and publish it online. Be sure to reach out to your local community newspaper but you can also use an online service like this one make sure to include a link back to your website and use lots of location terms like your city/village/town name to help you with search engine optimization.

25. Reach Out to Contacts Every Day 

Make friends and increase referrals without looking like a salesperson by asking questions. Strong relationships within the community are perhaps the most powerful marketing tool an agent can possess. Strengthen these relationships by calling other professionals in the community and asking them questions as often as possible. You can ask things you already know! Over time the relationship will develop and they will send you referrals. Referrals are the sweetest insurance agency marketing.

26. Create a Podcast � 

 A podcast is like a radio show that you can publish yourself. Users of iTunes can subscribe to your podcast and the iTunes program on their computer will update itself with your most current podcast. To gain listeners you must provide valuable content but you don�t need to be extensive. You could make a podcast that offers one 30-second piece of advice per week about saving on insurance, driving safely, or child safety etc.

27. Telemarketing Services 

 There are many companies that will do insurance telemarketing for you and send leads interested in insurance quotes. There is less competition than with internet leads, but the cost is often higher and results may still be mediocre. Nevertheless, it is something to look into. There are many insurance telemarketing programs, here is one to check out.

28. Be Listed in Smartphone Apps - 

It shouldn't be a surprise to you that people are using smartphones more than ever before. (I'm an iPhone addict) It also shouldn't surprise you that many people use smartphone apps to find local businesses like yours. Ever wonder where those smartphone apps with local business information get all that info? Check this out to find out how to promote your agency in iPhone and Android apps. By the way, how easy is it for someone to call you when their phone is already in their hand?

29. Host a Defensive Driving Safety Class  

 There are plenty of materials out there if you wanted to put something together, or you could hire a professional to conduct the class and get your people a discount. Include insurance agency marketing materials in any handouts.

30. Advertise on Pizza Boxes 

I know several agents who purchase pizza boxes with their insurance marketing in exchange for buying the boxes. Many pizza shops need to cut expenses and will make a deal. Ensure they don't cover your insurance marketing with theirs. Boxes are under 50 cents each. Another option is to pay for plastic pizza cutters. They are more expensive but people keep them.

31. Speak at High Schools 

 Find informational materials and videos to use while you speak about defensive driving with high school students. Also, teaching a brief class about insurance could be a great opportunity for the students in a �life skills� class. It will certainly help to have a personal connection with someone in the school.

32. Consumer Review Websites 

Websites like Yelp.com and MerchantCircle allow you to set up a profile about your agency. Visitors can write recommendations about your agency and others use these services to decide who to call. I wouldn't quit after those two though because there's hundreds more, in fact I wouldn't set up any agency listings myself, I'd use this service to do it for me.

33. Sponsor the Fire or Police Department 

 What says community involvement and protection better than the fire and police departments? Firemen and police officers generally have very wide social networks within your local community. Find a way to get some publicity in the paper and develop strong friendships with the members.

34. Chamber of Commerce

To make it worth your time and money, you must develog stronger relationships within and contribute to the community. Chambers of Commerce are full of salespeople�be a resource by helping others and you will reap the greatest insurance marketing benefits.

35. Facebook Advertising 

 Ever notice those links on the right hand side of your Facebook page that usually have catchy pictures and text? Those are advertisements and they're the reason Mark Zuckerberg is a billionare. You can pay to have your own ads show there and it's amazing how specific you can get with your target audience, but be warned: if you can't get a high ratio of people to click and you don't change your ads frequently, Facebook will not show them regardless of your how much money you have. If you're too busy selling insurance to spend too much time on your Facebook page it's still easy to provide engaging insurance agency related content for a Facebook page using the Facebook Content Dashboard.

36. Wrap Your Car

Consider the possibility of having your vehicle professionally wrapped with your insurance agency logo. It facilitates more conversations than you expect and traffic won't bother you as much. You could also purchase an inexpensive car magnet to put on your car when it is parked in highly visible locations or in your parking lot closer to the main road. Always be marketing.

37. Always Carry Lots of Business Cards 

All of us have said, �I don�t have a business card on me right now�. From this point forward if you ever say that again then you should turn in your insurance license. You failed the successful insurance agent marketing test. Leave them in fishbowls, post them on bulletin boards, leave them with a generous tip if you have great service in a restaurant. And don�t ever run out�

38. Create a Google+ Agency Page 

 I get it, you're already tired of all the social media stuff. Between Facebook, Twitter, YouTube, Pinterest, and whatever the flavor of the week is next month it's hard to keep up. But there's one reason you really need to play along with this one - it's Google and even if no one uses Google+, it can benefit your search results. Set up your Google+ page here. 

39. Hire Commission-Only Salespeople 

Not many agents have the spare cash to bring on another full-time (or even part-time) producer right now, buy you may be able to bring on a commission-only salesman. Even if you give them 100% of your sales commission, at some point they'll leave and the renewals are yours. Ads on Craigslist are free and there's plenty of people in the market for a job right now.

40. Customer Video Testimonials 

No one can sell the benefits of doing business with your agency better than an actual customer. Most agencies have a client or two that is bananas about you, ask them a few questions and film it with your iPhone. Shoot with the client and camera in a standing position away from a wall - it will have a more candid appearance and the lack of quality will be less noticeable.

41. Donations for Quotes 

 Offer to donate a certain amount of money to a charity for every quote you get. Some of the big carriers get this one wrong by donating to a national cause. Donate to local charities and get your quotes from people that are actively engaged with the charity. Get them to post it to their Facebook page and let them do all the marketing for you.

42. Refer-A-Friend Page -

 Create a page on your website that allows people to enter in the email address of a friend and it sends that person an email with your contact information and a recommendation about the agency. People aren't going to use this by themselves though. You can email them a link right after you help them with something they appreciate like a billing dispute or a claim.

43. Use Fiverr.com 

Fiverr.com is an awesome resource where you can hire people to do all sorts of things for only $5. There's a bunch of ways to use Fiverr for insurance marketing like designing flyers, writing press releases, business card design, content writing, video creation and more. You really wouldn't believe what you can get for $5.

44. Google Alerts 

Google Alerts is a free service from Google that sends you an email anytime they find a new website with information you're interested in. You can set it up to notify you anytime someone mentions your agency or to make sure you're in the loop about all local insurance and business networking news. Learn more about Google Alerts for insurance marketing here.

45. Twitter 

 I know that a lot of insurance agents don't "get" Twitter. I understand because to be honest, I don't totally get it and I'm an internet marketing guy. This doesn't mean that you shouldn't set up a Twitter page though. Just having the page for your agency gives Google a more robust picture of your agency's online profile which should help search results. It's not hard to set it up to just regurgitate your Facebook posts automatically either.

46. Get Free PR 

HelpAReporter.com is a free service that connects reporters with experts to interview. When you sign up for an account as an expert you'll recieve 3 emails a day filled with opportunities to be the "industry expert" for a reporter who needs to interview someone to write a story. If you want to be interviewed, respond quickly and sell hard on why you'd be the best expert to interview.

47. Downloadable Whitepapers 

A Whitepaper is basically just a fancy term for an informational report. You can turn it into a PDF and put it on your website either to generate leads or to give out for free. Keep it simple and create something highly relevant to an insurance shopper like, The top 10 Insurance Mistakes Chicago Families Make and How to Avoid Them. It's a bit trite, but you get the point.

48. Online Maps 

People find local businesses using sites like Mapquest.com, Google Maps, and AltaVista. If they're already on a map, it's a pretty good indication that they're serious about finding a local company too. Here's two ways to do it: 1) do a search on Google for "online maps and go to each of the top sites looking for a link to add your busines profile and fill it out. 2) Use UBL to add you to every major online map by filling out one form.

49. Sponsor a Motorcycle Ride 

Except for a few crotchrocket thrill seekers, motorcycle riders are often fantastic insurance clients. They are very safe drivers on two and four wheels and today�s motorcycle owner often has many other insurance and financial service needs. Motorcycle insurance marketing is a great lead-in to other insurance lines.

50. Post Client Letters 

 If someone writes a letter, sends an email, or posts a positive comment online about your agency, print it out and post it in a visible location. Shoppers look to others for guidance. Reading many letters from others about the knowledge, care, and protection your provide will only improve their impression of your business.

51. Boost Your Search Rank 

Here's the bottom line: the more websites across the web with your consistent and accurate agency name, phone number, and address, the higher you'll rank. Thats why services that distribute your agency on thousands of webpages are so valuable.

52. Contact Webmasters for Links 

 Enhance the online presence of your insurance agency website and improve search rankings with links from other related sites. According to Google, one way to improve the search results of your website is to get one-way links from quality related websites. In order to do this you will need to have some type of product, service, or information visitors on the other site may be interested in, but unable to get on that site. Keep in mind that no one is going to be willing to offer a link to your site unless there is an obvious benefit to their visitors.

53. Park a Wreck in Your Lot 

 Convince a junkyard to park a wrecked vehicle in front of your office. It will draw attention and create a mental connection between your location and car accidents and insurance. If your local government or landlord gives you a hard time, remind them it is raising safety awareness and at the very least try to get them to allow it every once in a while.

54. Referral Marketing Exchange

I know many agents that offer cash incentives for real estate agents, mortgage brokers, and car salesmen to refer their insurance agency. (This is illegal in some places) There may be other options to reward referrals that are more affordable to you and/or more enticing for them, for instance you agree to pay for the publication and distribution of marketing materials. When a real estate agent sends you a lead, instead of paying them cash agree to send their client birthday cards in their name for the next five years. It may be easier for you if you already have a similar process in your office.

55. Join the School Board 

The school board is obviously a fantastic way to meet both the big players and families in the community. Being on the school board will give you easier access to marketing opportunities to parents and young drivers also. Marketing insurance products to young families is an ideal situation.

56. Insurance Leads Fishbowl 

 Leave a fishbowl on the counter at a business where potential customers shop with a sign indicating you will be drawing for a gift card to the establishment. Use the cards for leads. If you like this idea and want to buy one right this instant here's a link to fish bowls on Amazon.

57. Wear Your Business 

 Invest in some nice shirts with your business name clearly visible. Wear them everywhere, especially to school and community events. Include your staff and you can have a powerful insurance marketing effect. Shirts are expensive, so if you're going to hand them out, give them only to people you think have friends that would make good clients.

58.Customer Surveys 

Surveying people about service quality has marketing benefits. You can identify opportunities for improvement and you let clients know you value the quality of their experience. Another benefit is that many people will feel obliged to say good things and forcing them to do so will imprint the value of your agency into their minds. You can do this by email with most email marketing services.

59. Engage People On Facebook 

Moving forward, insurance agents that have the strongest online presence will survive. Check out this free article we wrote with over 100 ideas and strategies for Facebook marketing for insurance agents.

60. Write in the Local Papers 

 Even if you pay for it, writing content for the local paper can be much more valuable than insurance advertising. Most papers are struggling right now and will be more open than ever to allow you to pay to write content. If you cannot inlcude insurance agency contact information in the article purchase a visible ad near it.

61. Business Networking Groups 

 Although there are many like it, BNI is one of the most prominent business networking groups. Unfortunately, they often limit membership to one person per industry and insurance is often filled. Take advantage if you get an opportunity to join BNI or another group like it.

62. Coach Youth Sports 

 Coaching a youth sports team allows you to meet many young families within the community. Think auto, home, Life, financial Planning, 529, IRA, etc. You should take every opportunity to get to know the league coordinators as they are often very well-known individuals within the community. Get some additional agency marketing by hanging a team picture in the office. It's also a lot of fun, just ask the guys on my middle school lacrosse team.

63. Designate a Referral Specialist 

Choose one person in your agency and assign them to develop and support a referral process. Track referred business and pay extra commission on it. When one person takes ownership of the referral program you�ll get their buy in, and your other staff won�t be hearing about referrals from only you. Referrals are key to insurance agency marketing.

64. Send Marketing Materials With Every Customer Communication 

 Whether it is a payment reminder, policy endorsement, renewal notification, etc, always include some sort of insurance product marketing material. This holds true for mail, email, phone calls, text messages, whatever.

65. Bring Doughnuts to Apartment Managers 

 If you sell renter�s coverage the best way to market insurance is through the person selling the apartment. When you get an opportunity to speak with apartment managers, make sure they understand why insured tenants can be an advantage to them. They will forget you if you don�t bring something to eat once a month.

66. Give Out Pens

 Many businesses and communities can always use extra pens - community centers, restaurants, grocery stores, the DMV. Always keep extra pens with you and when you see a jar full of pens somewhere, fill it up with your own. Always be marketing your insurance agency.

67. Get Links to Your Website 

Every search engine marketer will tell you the same thing, inbound links to your website or webpage will help you show up higher in search results. Ask people you do business with to add a link to your site and make sure to include a link back to your site from anywhere online you have the opportunity. Don't forget about online business directories, which are often an easy source of inbound links. If you know the secret it's not too expensive to get better search rankings.

68. Advertise In Church Bulletins 

Church bulletins tend not to be huge insurance lead generators, but use your financial support to speak with the church leadership. Offer to conduct seminars about insurance, defensive driving, fire safety, financial planning etc. Your good intentions will lead to higher commissions.

69. Coupon Mailers 

Consider the readers of these materials and make sure any advertising you do provides some sort of coupon, free gift, or call to action. People read through these specifically to find coupons and discounts. Val-Pak is one.

70. Customer Appreciation Party

Let your best policyholders know how important you are by inviting them to a nice dinner. Use this time to market new financial products, encourage referrals, and strengthen relationships. Invite your largest premium providers and the people who help you with referral marketing.

71. Insurance Lead Lists 

 It can be expensive, but purchasing lists of insurance prospects is a starting point for many of the other insurance marketing strategies here. Narrow down prospects with demographics, location, etc. Salesgenie is one company that does this.

72. Market in Ethnic Publications 

Studies show certain minority populations can be more loyal to businesses that advertise and market within their cultural media. If you speak a foreign language or someone in your agency does, selling insurance to that community can open the door to loads of referred leads.

73. Local Forum Websites 

Many local communities have online forums where members communicate about community events, concerns, businesses, etc. Become an avid poster and you will develop friends and insurance leads. If possible, use a link to your insurance agency website in your signature so it shows up every time you write. Since your online reputation is nearly as important nowadays as your actual one, make sure to make relavent posts rather than blatant insurance advertisements.

74. T-shirts 

Give them out to policyholders who will wear them. It will be tempting to buy the cheapest white shirts. Remember, if your shirt can work itself into the regular rotation of someone�s wardrobe, you�ll have residual insurance advertising. Make sure the agency name and service is clear.

75. Online News Comments

 After reading articles on the local news website make a post and try to include a link to your website. Link a theme in the article to an insurance need. Do not become a comment spammer; post relevant information. Incoming links to your website from a reliable source like the local newspaper can help the search rankings of your website and drive targeted traffic.

76. Get New Marketing Ideas by Email 

Sign up for the Insurance Marketing Ideas Newsletter to get weekly insurance marketing ideas like the ones your reading right now delivered right to your inbox. For a limited time there's also a secret gift just for signing up. (Okay, you talked me into it... it's an eBook I wrote explaining how to rank #1 on Google)

77. Leave Pens Everywhere 

 When you sign a credit card receipt, when you fill out a deposit slip at the bank, when you are addressing a letter at the post office. Consciously leave your pens everywhere. Consider pens that have some cool feature like an unusual clicking mechanism. That will improve their lifespan and assist your insurance marketing efforts.

78. Leverage LinkedIn 

 I don't know too many agents who use LinkedIn well for sales or marketing but it can be a great resource for building your network. Here's a hint for insurance agents: The value of LinkedIn doesn't come from networking with people you already know as much as from connecting with the people they know. (By the way, if you like this top 100 list consider connecting on LinkedIn with the author: Insurance Marketing Expert - John F. Carroll)

79. Host a Baby Car Seat Event 

You�ll need to get certified in car seat safety installation or find someone who is. Often fire departments or police departments have certified individuals and maybe you�ll convince them to bring the fire truck. Marketing insurance products to young families is always a good idea.

80. Publish RSS Feeds

If you have a blog, it's a must. RSS is short for Real Simple Syndication and it is a way to publish information online that can be read by a third-party program (feed reader or aggregator). This allows visitors to sign up for RSS feeds from several websites and by using one feed reader they can effectively compile up-to-the-minute news information from only those sources they are most interested in. Feedburner is probably the best option for publishing your information.

81. Yahoo Directory. 

This one is very pricey ($300/yr), but if you have the budget and are interested in insurance agency website search engine optimization, marketing in the Yahoo directory will help you. Be warned, it's not a huge help but if you've got the money to spend...Be sure you provide your information exactly the same as you list it everywhere else. Consistency with online listings is very important for search rankings.

82. Attend Community Meetings 

 Read your local newspaper or website to learn when community meetings are happening. Do good for the community and business will follow. Wear your agency shirt. (a nice golf shirt, not a T-shirt)

83. Produce a Viral Video 

I can�t tell you how to do it, but if you can come up with something related to insurance, your staff, your community or something that people will want to watch and send to their friends, release it on YouTube and let it go viral. Here�s a free suggestion� put together bunch of extreme sports bloopers with an disability insurance advertisement.

84. Start a Community Organization

It�s not hard and you won�t need to win an election to be the president. Identify a social need in the community and start it. Combine a group of people and a cause like Softballers Against Cancer or Baby Boomers For the Environment. You can get it started on a site like MeetUp.com.

85. Publish a Blog 

Publishing an online insurance blog is a great way to drive traffic. A general blog about insurance will be lost in the shuffle but a blog about a specific type of insurance in your section of the state could be a great opportunity to find actual clients. It will add to your credibility as an industry expert. Although challenging to a newbie, creating a Wordpress blog in a subdomain of your website (www.blog.yourdomain.com) can be done. Don't forget to submit your blog to InsuranceBlogSites.com. They don't accept every blog, but it's free!

86. Comment on Related Blogs 

There are many opportunities to take advantage of blog marketing without owning one. When you read someone else�s blog post about a subject that could be related to insurance, post a comment about it. Always comment with insightful and relevant information. The extra links to your website will help your insurance agency website search rankings, and you should drive targeted traffic to your website. Insurance website marketing is very important now.

87. Make Sure Other Businesses Are Aware of Your Referrals 

 This is just a general marketing concept. When you refer someone to the service or product of another customer give them a reason to mention you. Something as simple as �he�ll probably give you a discount if you mention I referred you� will ensure that the owner is reminded of the value of his relationship with you. That should help your retention and increase the liklihood of reciprical referrals. The other business owner will also want to pay you back - It's called reciprocal atruism if I can remember correctly from my college psychology class.

88. Internet Insurance Leads 

 There are several providers of marketing insurance leads. These are mostly insurance websites that encourage visitors to submit their information to receive competing insurance quotes. The information is then sold to many competing agents. Success rates vary greatly by insurance agency. Remember to call the unsold leads back 6 months later. And 12, 18, 24...

89. Send Holiday or Birthday Cards 

For some customers, a card from you might be the only greeting on their birthday. Set yourself apart with less popular holiday greetings like Halloween or Thanksgiving. Send Memorial Day cards to proud veterans or ethnic holiday cards to clients. Building relationships is a great way to market your insurance agency.

90. Handwritten Letters For Best Customers

We spend too much time with customers that pay us the least amount of money. Take a look at your commission statements and make sure you are going the extra mile for the people that support you the most. Guess who your best customers hang out with... people just like them who'd be great referrals for you.

91. Annual Policy Reviews 

 How can you expect policyholders to stay with you if they do not get anything in return each year? You should attempt to discuss policies with every customer every year. This helps you solidify the relationship, identify needs for additional products, and ask for referrals. Treating your book well is the best route to insurance agency marketing success.

92. Promote Your Clients 

 What goes around comes around so encourage clients to leave promotional material in your agency and try to refer them clients. Entrepreneurs are often our best clients (many insurance and financial needs and better retention), and they are most likely to refer your services if they see the value in what you do.

93. Niche Forum Websites 

 Across the web there are thousands of different themed discussion forums. Think about the insurance products you sell and then imagine where people may go online�Motorcycle forums, antique car forums, websites about saving money or investing. You get the point, go there and make friends.

94. Manage Your Brand 

 In today's digital world, there are thousands of places people may find information about your agency. If it's important to you that the information they find is accurate and complete there are services that can help you with online reputation management. In today's digital world it's so important to make sure you're being properly represented everywhere online.

95. Encourage Positive Online Reviews 

When policy holders have a positive experience with your insurance agency, encourage them to go online to sites like Yelp.com or MerchantCircle.com and write about their experience. I recommend agents build a page on their website with links to their different profiles on review websites. When people are happy with their service they simply email them a link to that page and it makes things much easier for the customer. The easier you make it, the more likely they are to give you a review. And don't put a link to that page on your website, you don't want everyone to have access to it, just the people who are going to write nice things about you. For more ideas, here's an article I wrote about getting more reviews.

96. Put Your Picture on a Billboard 

If you are an attractive woman this might work. For the guys � putting your picture on a billboard does not make you a local celebrity, it just proves you are vain and good at wasting marketing dollars. Maybe I'm just jealous...

97. Advertise to Specific Markets 

Blanketed insurance advertising is not nearly as effective as specific messages for targeted customers. Think �Great Rates for Homeowners with Good Credit� instead of �Great Insurance Rates�.

98. Host a Boating Safety Class 

 If you market well enough, paying an instructor to teach a class in your agency or a community center can lead to a boatload of referrals (sorry). Free for all attendees may work, or give your clients a break and charge the others. Insurance marketing strategies that encourage safety are always a good idea.

99. Put Balloons Outside 

Flags, balloons, streamers, whatever�Do something to draw some attention to your agency. Ask yourself if there is anything at all drawing attention to your business. Your physical location can be your greatest source of insurance agency marketing. Amazon has a ton of helium tanks that aren't too expensive.

100. Child Fingerprinting Event 

Interest in protecting the community will always be good for insurance marketing. Don�t forget how valuable the connections you make with members of the local police department can be in many different ways.

101. Overdeliver

Always deliver more than you promise with everything that you do. In a marketplace where most companies overpromise and underdeliver try to be the opposite. For example, if you've promised 100 marketing ideas, give 113 instead!

102. Free Lemonade 

Offering free lemonade in the summer or hot chocolate in the winter can draw in potential customers. If you�re concerned about freeloaders, make the drink contingent upon an insurance quote.

103. Host a Blood Drive 

 Raise awareness of your location by getting people to come to give blood, and it will also give you a reason to contact your policyholders besides billing.

104. Referral Marketing Program 

Reward existing policyholders for sending you new clients. Don't be cheap with the referral rewards. Make sure every single knows about your insurance referral program and remind them every single interaction. Developing referrals is the best insurance marketing strategy. If you haven't read The Referral Engine I strongly recommend it.

105. 800 Number Tracking

Use 800 numbers to track the effectiveness of advertising campaigns. Kall8 provides a number for around 2 dollars a month. You can tell the marketing source using caller ID. If you invest thousands for grocery cart ads, it's worth paying 25 dollars a year to track the return? My bet is you will spend your grocery cart money in online marketing the following year.

106. Messaging on Hold 

 Being on hold sucks. It sucks a lot less when there's something to listen to. Having a service that provides information about other products will give callers something to listen to and expose them to a much wider array of your services. Customers will be unaware what we sell if we don't constantly market insurance products to them.

107. TV or Radio Interviews 

When insurance-related news happens locally, contact the media and offer your opinion. News reporters are just folks like us trying to meet deadlines so if they can get a quote without working hard, many will take advantage. Use your twitter account to send them a message.

108. Get Listed in GPS Devices 

Wouldn't it be nice if people could pull up your insurance agency when they did a search on their handheld or factory installed GPS device? Some GPS manufacturers let you go to their website and submit a business profile. It might take you a little while though... You might consider this service to list your agency in almost every GPS device in one fell swoop. If someone's searching for insurance on their GPS device, I'd say they're pretty committed to visiting your agency!

109. Sponsor the Highway 

Highways will allow businesses to sponsor cleanup efforts in exchange for a sign advertising their service. Sponsor a section near the exit toward your agency. If there are no nearby openings, propose sponsoring another road in town. Maybe they�ll let you put up a sign to market your insurance agency if you agree to clean up trash along the roadside.

110. Nice Car Cards 

 These are business cards with a car compliment written in big letters. When you see a nice car parked, leave one of the cards with your contact information on it. Have them preprinted to say �People with taste like yours value an insurance agency like mine� or better yet, hand write a personal message. People with nice cars tend to like compliments and also have a lot of insurance needs. Place it on the driver side window right over the door handle with the compliment facing out.

111. Prepare Conversational Insurance Questions 

How many times do we miss sales opportunities every day? Although selling comes naturally to you (or so you think), prepare some questions you could ask anyone depending on the situation to stimulate an insurance conversation. Here�s an example: �Isn�t it amazing how fast kids grow up?� Depending on the answer, there are many insurance conversations this could lead into. Having conversational starters prepared will prevent you from wasting sales opportunities by talking about the weather.

112. Outsource Time-Consuming Activities

There's a million and one things you need to do to make your marketing work. If you can hire a highschooler to telemarket for minimum wage, do it. If you can pay somebody to drive around and drop off brochures at all the local apartment complexes do it. If you can pay someone to list your agency on hundreds of local business websites do it. If you can pay someone to handwrite your thank you cards, do it! Here's my twist on the E-Myth hypothesis: "Always work on your marketing, not in your marketing".

113. Advertise Your Greenness

Offer information about how to drive more efficiently or reduce energy costs in the home. Send email newsletters, mail to your clients, or host educational sessions in your office for your customers. Include insurance agency marketing material in anything you provide.