How to choose your car insurance

Hi..

I think most of country forces driver to buy car insurance. There’s many car insurance out there and it is very hard to choose the best car insurance. Here are some tips that may help you in the process.

Image Source :- Carinsuranceviews

 

  1. Know your coverage types

Most of us don’t even care or read their coverage. It is wrong, take time and read it. If you don’t understand legal term, find your friends that familiar with legal term. Most of policies coverage this

  • Bodily injury liability: Covers injury and death claims against you, and legal costs, if your car injures or kills someone.
  • Property damage liability: Covers claims for property that your car damages in an accident. Because liability coverage protects the other party, it is required in all but three states.
  • Medical payments: Pays for injuries to yourself and to occupants of your car. This is optional in some states. In “no-fault” states, personal injury protection replaces medical payments as part of the basic coverage.
  • Uninsured motorist protection: Covers injuries caused to you or the occupants of your car by uninsured or hit-and-run drivers. “Under-insured” coverage also is available, to cover claims you may make against a driver who has inadequate insurance. In some states, as many as 30 percent of drivers are uninsured.
  • Collision coverage: Covers damage to your car up to its book value. Collision coverage carries a deductible, which is the amount per claim you have to pay before the insurance takes effect. The lower the deductible, the higher the premium. While it is legally optional, a lending institution or leasing company usually requires collision coverage.
  • Comprehensive (physical damage): Covers damage to your car from theft, vandalism, fire, wind, flood, and other non-accident causes. Comprehensive also carries a deductible.

Choose the coverage that is suitable based on your experience. Don’t just buy all of the coverage. Some people are quite cautious. They base their lives on worst-case scenarios. Insurance companies love these people. That’s because insurance companies know what your chances are of being in an accident, and how likely it is for your car to be damaged or stolen. The information the insurance company has collected over previous decades is crunched into “actuarial tables” that give insurance adjustors a quick look at the probability of just about any occurrence.

  1. To save some money on the insurance plan, consider paying the policy in full rather than making monthly payments. Each time you can combine more than one payment, you will save a service charge.
  2. Choose the right company. Check it at your local government. Make sure the car insurance company have strong financial. Visit local agents to know their services. Ask for a rate quote and gauge responses. Read the steps at ehow.com.Car insurance companies also have web sites and information all over the internet. Almost everyone now has access to a computer. Check out some insurance companies’ web sites and see if any of them interest you. There are some web sites out there that actually compare car insurance rates, and will give you a list of the most competitive companies out there, usually beginning with the most affordable ones
  3. Make sure you all your cars in same policy. Most insurance companies offer a “multi-vehicle discount” for customers who insure more than one car on the same policy.

Insure both your car and home with the same company, this may qualify you for a discount called the “multi-line discount.” Most companies offer this discount as an incentive to get your home insurance business, too.

That’s 3 tips that useful for you to choose the best car insurance. Don’t rush to buy car insurance policy. It is important because if you choose the wrong policy it will effect your costing.

Car Site will help you find the best Used Cars, no one helps you more. We have thousands of Car Supermarkets, Franchised Dealers and Independent Garages advertising their Used Cars through us. So, if you are looking to buy a Used car then look no further than Car Site.

The Seven Essentials of Business Communication

There are seven essential elements to successful business communication:

Structure
Clarity
Consistency
Medium
Relevancy
Primacy/Recency
Psychological Rule of 7±2

If you are going to communicate effectively in business it is essential that you have a solid grasp of these seven elements.

So let’s look at each in turn…

1. STRUCTURE

How you structure your communication is fundamental to how easily it is absorbed and understood by your audience.

Every good communication should have these three structural elements:

an opening
a body
a close

This structural rule holds true no matter what your communication is — a memo, a phone call, a voice mail message, a personal presentation, a speech, an email, a webpage, or a multi-media presentation.

Remember – your communication’s audience can be just one person, a small team, an auditorium full of people or a national, even global, group of millions.

In this instance size doesn’t matter — the rules remain the same.

Opening

An opening allows your communication’s audience to quickly understand what the communication is about.

Short, sharp and to the point, a good opening lets your audience quickly reach a decision of whether or not to pay attention to your message.

Time is a precious resource, after all, and the quicker you can ‘get to the point’ and the faster your audience can make that ‘disregard/pay attention’ decision the more positively they will view you — which can be VERY important if you need or want to communicate with them in the future.

Body

Here’s where you get to the ‘heart’ of your message.

It is in the body of the message that you communicate all of your facts and figures relative to the action you want your communication’s audience to take after attending to your message.

Keep your facts, figures and any graphs or charts you might present to the point. Don’t bog down your audience with irrelevant material, or charts with confusing, illegible numbers and colours.

–SIDE BAR–

There’s a key to rapid uptake of your message — KISS.

Pitch your presentation’s graphics at a grade seven child. If THEY can follow and understand them, chances are good that your audience will too.

–END SIDE BAR–

Close

The Close is where you sum up your communication, remind your audience of your key points, and leave them with a clear understanding of what you want them to do next.

The more powerfully you can end your communication, the more easily remembered it will be by your audience.

2. CLARITY

Be clear about the messaqe you want to deliver, as giving a confused message to your audience only ends up with them being confused and your message being ignored.

If you are giving a message about, say, overtime payments don’t then add in messages about detailed budget issues or the upcoming staff picnic — UNLESS they ABSOLUTELY fit in with your original message.

It’s far better and clearer for your audience if you create a separate communication about these ancillary issues.

3. CONSISTENCY

Nothing more upsets a regular reader of, say, your newsletter than inconsistency of your message.

Taking a position on an issue one week, only to overturn it the next, then overturn THAT position the following week, only breeds distrust in your message.

And distrust in you!

People who distrust you are exceedingly unlikely to take the action you wish them to take. They are also highly unlikely to pay any attention to your future messages.

As well as consistency amongst multiple messages, be aware that inconsistency within your message can be just as deadly to audience comprehension.

At the risk of sounding like the Grouchy Grammarian, please make sure that your tenses remain the same, that your viewpoint doesn’t wander between the 1st and 3rd person and back again (unless you deliberately want to create a linguistic or story-telling effect — be careful with this!) and that your overall ‘theme’ or message doesn’t change.

4. MEDIUM

If the only tool you have in your toolbag is a hammer, pretty soon everything starts to look like a nail.

Similarly, if all you believe you have as a communications tool is PowerPoint then pretty soon all you’ll do is reduce very communications opportunity to a PowerPoint presentation. And as any of us who have sat through one too many boring slideshows will attest, “seen one, seen ’em all.”

There are a myriad of was you can deliver your message – the trick is to use the right one.

Which is the right one?

The one that communicates your message:

with the greatest accuracy
with the largest likelihood of audience comprehension
at the lowest fiscal cost
at the lowest time cost

Note: it must meet all of these criteria. There’s absolutely no value in spending the least amount of money if the medium you choose doesn’t deliver on any of the other criteria.

So what media are available? You have a choice from any one or combination of the following:

* paper-based memo
* letter
* one-to-one face-to-face presentation
* seminar
* one-to-one phone presentation
* meeting
* one-to-many personal presentation
* plain text email
* one-to-many phone presentation
* text + graphics email
* voice email
* webpage
* webcast/webvideo
* radio broadcast
* television broadcast
* press release
* tv/film commercial
* cd-rom/dvd

Choosing the right medium or media is obviously critical, as the fiscal costs of some in the above list are higher than others. Get the media mix wrong and you could end up spending a whole lot of time and money on a very visually attractive business communication that delivers next-to-zero ROI (return on investment).

5. RELEVANCY

It never ceases to amaze me that business managers still believe that everyone would be interested in their message–and then proceed to subject any and everyone they can find to a horrendous PowerPoint slideshow put together by a well-meaning but aesthetically-challenged subordinate.

Screen-after-screen of lengthy text, in a small barely legible font size (because a small font size is the only way to fit all of the words onto the slide), which the manager duly and dully reads verbatim.

Ugh!

The psychological reality is that unless a person is interested in the subject of the message they are highly unlikely to pay any attention.

Which means that if you force them to attend to your message you will actually turn them against you and be even less likely to receive their attention in the future.

Save your in-depth budget and performance analysis Excel-generated charts for those who genuinely care and need to know about such things.

If your business communication needs to touch on several areas that might not be of interest to your entire audience, let them know of alternative resources that more fully address each of these additional areas.

You can do this by, for example, providing them with an easily-remembered and written link to a webpage where a greater depth of information can be stored.

6. PRIMACY/RECENCY

It is essential to know that, one week later, a business communication is remembered by one or both of two things:

the power and memorability of its opening
the power and memorability of its close

Psychologists call the effect of remembering the first few items presented as a ‘Primacy Effect’. Similarly, they call the effect of remembering the last few items presented to you as a ‘Recency Effect’.

Since individuals differ in which Effect is the most dominant for them, it is best to ‘cover your bases’ and make an effort to have both a powerful and memorable opening and a powerful close.

A powerful opening can be anything that captures the audience’s attention:

a quote,
a joke,
a loud noise,
a preposterous statement.

Just make sure that your opening remains consistent with and relates to the subject of the communication.

For example, whilst the opening line, “Free Sex is available in the foyer” would no doubt get your audience’s attention, if the theme of your communication thereafter is about some process re-engineering going on in your department, your audience would be annoyed (some would be very annoyed at your duplicity. They’d feel duped!

Equally, a powerful close that bears no resemblance to the main body of the communication would just confuse and disappoint an audience brought up to expect something more.

And don’t think that humour will save you.

Business communication is a serious business and very few people have the skill to be able to deliver a humourous message that the audience will retain and act upon.

A fantastic example of how humour engaged an audience but failed to elicit the desired response is from Jeffrey Robinson’s superb book ‘The Manipulators’.

One of America’s great comedic writers, Stan Freburg, was convinced to dabble in advertising. Deciding that his own agency should be called, ‘Parsley, Sage , Rosemary and Osborn, a Division of Thyme, Inc.’, Freburg created a series of incredibly funny adverts. On the strength of these, he was hired to create an advert for Pacific Southwest Airlines (PSA), forever remembered in the annals of advertising as ‘White Knuckle Flyer’.

“He was aiming at people who hate to fly and are forever worried that planes crash. To pacify them, he got the airline to hand out security blankets — literally, tiny blankets with the PSA logo — to any passenger worrying that flying might get them killed. It was hilarious. And the airline died laughing.

“Somewhere between gag writing and all the fun,” comments Jerry Della Femina, who was called in by PSA in a panic to undo what Freburg had done because they didn’t think they were going to survive him, “someone had to sell something. The kiss of death in advertising is when you make the mistake of falling in love with your own words.” PSA had succumbed to humour and, unfunnily, went out of business.

As Granville Toogood says in his excellent book ‘The Articulate Executive’, humour is a very risky strategy. If you are determined to use humour in your presentation, then please follow Toogood’s recommendation:

Tell the story as if it were true. The punch line is a lot funnier if we aren’t expecting it
Tell the story to make a business point. If you don’t make a point, you have no business telling a joke
Make sure you tell the story correctly, don’t mess up the punch line, and make sure it’s appropriate.

The opening and closing of your business communication are the two most easily remembered and therefore essential elements. Make sure you give your audience something to remember.

7. THE PSYCHOLOGICAL RULE OF 7±2 (seven plus or minus two)

Psychologists have long known that the human brain has a finite capacity to hold information in short-term or ‘working’ memory.

Equally, the brain is also structured to retain information in ‘clusters’ or groups of items.

These clusters or groups average, across the whole of mankind, at seven items, plus or minus two.

Which means that your audience is only able to hold on to between five and nine pieces of information at any one time. Similarly, your audience will group your business communication’s message with between four and eight other messages in their long-term memory.

Now do you see the importance of clarity of message and of having a distinctive and memorable opening and close?

If you want your key points to be remembered even five minutes later, it is essential that you limit your business communication to between just five and nine key points.

Equally, if you want your key action points to be remembered five weeks later, ensure that your communication is amongst the five to nine most memorable messages your audience has attended to in the last five weeks.

The human brain ‘chunks’ information together, so if you have a long document or communication that you want to deliver, especially on paper, then structure your document so that you have:

7±2 ‘chapters’ or sections
7±2 sub-sections in each section

If you find that you end up with 10 or 11 sub-headings in a chapter, or sub-sections in a section, see if you are able to either consolidate two or three sub-sections in to, or create a new main section out of them.

CONCLUSION…

There are seven essential elements to successful business communication:

Structure
Clarity
Consistency
Medium
Relevancy
Primacy/Recency
Rule of 7±2

If you are going to communicate effectively in business it is essential that you have a solid grasp of these seven elements.