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Insurance companies are usually kinder to women in the sense that they offer cheaper rates to women. The companies are well informed that women practice more caution while driving compared to men. Women are normally less aggressive drivers which make them less involved in serious accidents. If you are a woman looking for car insurance, you definitely have better chances to get lower rates than a man.

To get the best deal of cheap car insurance for women, here's what you can do.

1. There are many insurance companies available in the market and there are some who specialize in providing car insurance for women. Search for these companies as they might be able to give you more discounts compared to other "not-so-women-friendly" companies. Ask opinions from other women. There are a lot of women who have tried purchasing car insurance from numerous companies. They can let you know more about their experiences with certain companies and recommend you the company which they think is the best.

2. Remember to provide detailed information about your driving record when you are dealing with insurance agents to buy your car policy. Your agent would know roughly how much you would be quoted by getting to know more about your driving record. You can also have better understanding about your car policy by talking to your agent first. You can then choose to search for the best car insurance for women on the Internet. Normally, you would get rather cheap rates if you have always been a good driver with no accidents in your history of driving. However, if you have a slightly bad driving record, you can still get cheaper rates by shopping around more and negotiate with the companies.

3. It is also wise for you to choose to pay your premiums by deducting it straight from your bank account annually. You do not need to pay for so many service charges when you opt for this type of payment. Although these charges might not be a significant cost to you, this can help you to save on your car insurance for women in the long run.

Want to learn more about how you can find cheap car insurance easily? I would recommend you to check out my other articles to be surprised even more! You can start this learning process by visiting my site right now to learn more about how you can get cheap car insurance with ease! You are also welcome to read other articles about secrets to get cheap car insurance for women. Your time is greatly appreciated and thanks for reading this article.

As part of your marketing strategy do you send complete strangers a letter offering a free insurance review? Whats the objective of these letters? To get an appointment and then try to beat the other guys price, right? Is that who you really want to attract? Do you really want to fill your business with price shoppers? If you want insurance sales success you want to avoid price shoppers like an unwanted virus. Price shoppers dont provide a strong foundation to build your business on, so dont waste your marketing efforts trying to attract them.

You cant build a successful long-term business on a foundation of price shoppers. Price shoppers are the most disloyal, time consuming, low value group of clients you could ever hope to have. It doesnt take very many price buyers in your business before you dont have time to go out and sell because they suck up all your time. Price shoppers also have a bad habit of not paying their premiums, so you get to chase them down trying to get them to pay their bills. They drive off any good customers you might have with all their complaining. In all likelihood youve invested a ton of energy into these people, and they wont buy from you ever again, and theyll drop you as soon as your competition can undercut you. It just doesnt even make sense to position your business in a way that attracts price shoppers. It makes even less sense to spend your precious marketing dollars trying to attract them.

Yes, you can help good people to save money and you can help them to do that without attracting price shoppers. When you offer a free insurance review your placing your focus on attracting the wrong prospects. When you send your letter your letter is based on the premise of having a product and trying to find someone to sell it to. People dont like to buy products, but they love to buy results. Get yourself out of the product sales business. You are in the business of helping people to get the outcome you know they want because theyve told you they want that outcome.

Helping people to get what they want the way they want it is the foundation you want to use to create your marketing messages. When you do that you provide value. When you provide value youre in a position to attract value shoppers. Value shoppers are critical to your long term insurance sales success. Because value shoppers are very loyal. Value shoppers take up very little time. That means you have more time to build a large client base. Value shoppers are far more likely to provide you with qualified prospects making it even easier for you to build a successful business. Value shoppers are pretty much the opposite of price shoppers in their potential to help you to attract the kind of clients you need to have success.

Start right with your marketing strategies and messages to end right. It just doesnt make good sense to try to start your business by positioning yourself for price shoppers. Make the effort now to position yourself to attract value shoppers so you can enjoy greater insurance sales success.

Want to get unstuck and increase your success?

Ready to get unstuck now? look here.

There have been many adverts on TV for remote control petrol cars, where you see a car dashing about with a big smile on the boys face and fantastic stunts by the car itself. What people do not realise is there is a lot more to a remote control car than just making it dash about either performing stunts or banging into objects. You will find that petrol cars (nitro cars) are faster and take more skill to control than electric cars.

As well as cars, you can also get trucks, planes, helicopters, tanks and general remote control toys.

Where these cars come into their own as a hobby is buying them and looking into how they work, servicing them or even fixing them or actually building them from scratch. Go into any major newsagents and you will find magazines dedicated to radio control cars, their design, build and tips on how to get more out of their performance as well as major meets where people can race their cars in races.

There are 1000s of spares you can by online for your car when you decide to take your hobby to the level of servicing and fixing your own nitro car. Many forums can be found for when you do get stuck, as the learning curve is pretty steep but incredibly fun. They can run on grass, concrete and some can move over obstacles you put in their way such as the Monster Truck variations.

In the UK we refer to these cars as radio control petrol cars, but in the United States and Canada they call them Gas powered cars. These cars are superior in most ways to electric cars in that the designs are more robust but the petrol gives them more power, torque and overall fun value.

Each time the car is used, it needs the petrol tank to be filled so you can be up and running within a minute or two, but with an electric car you need to charge it for several hours before first use. Please bear in mind the safety issues with petrol regarding the petrol can spilling over, petrol spilling itself onto areas where you will be walking and take children into consideration.

Whichever you goto buy when looking at remote control petrol cars or an electric car, make sure you read up on the specifications first and not just by what it looks like.

http://petrol-remote-control-cars.co.uk/remote-control-petrol-cars/

Travel agents are indispensable resources for planning complicated trips, finding out the ins and outs of a destination, saving time, preventing travel headaches and getting the best value. However, each agent is different. Be sure that your travel agent is a good match for you by asking these questions.

1. What is the agent's specialty?

An agent who narrowly specializes in a destination or certain products, such as cruises, can provide solid advice that will be crucial to booking a rewarding, problem-free trip.

Does the agent specialize in adventure tours or culinary trips? Does he or she frequently book groups? Is the agent a cruise expert? You wouldn't go to a podiatrist to treat a toothache. The same concept goes for travel agents. If you're traveling to the Caribbean, work with a Caribbean travel specialist.

2. Has the agent traveled to your destination?

There's no substitute for first-hand knowledge. An agent who has actually traveled to the place where you want to go will know first-hand about the activities in which you plan to participate and the hotels in which you plan to stay. An agent who has been to the destination can make informed recommendations to steer you in the right direction.

3. What are the agent's fees?

Agents may charge a fee for each service, such as a flight, charge a flat rate, or earn a commission. Expect to compensate the agent for his or her time, advice, planning expertise and work. Still, it is a good idea to find out the fees and deposits up front so there are no surprises.

4. Does the agent have special relationships with travel suppliers?

Travel agents can often get you perks that are not available to the general public or published on the Internet. Hotels, car rental agencies and tour companies often make perks such as upgrades, discounted parking, and express check-in available only to agents who have negotiated them or to agents who have elite status. Find out if your agent is one of them.

5. What happens if something goes wrong?

Inconveniences are sometimes unavoidable. A flight may be canceled; the weather may be uncooperative. Find out how your agent responds to problems when they occur and what his or her policies are. It is also helpful to pay attention to how the agent interacts with you. Is he or she easy to reach? Does the agent get back to you promptly when you call or email? An agent should be there for you even after the trip is booked.

6. What questions does the agent have for you?

Make sure that your travel agent has the right information about you to make the best recommendations. Also, choose an agent who is receptive to your priorities.

Even if you request something as simple as a four-day trip to Rome, you should be asked a number of questions from whether you prefer fine dining establishments or street vendors to what type of hotels you like best. In the end, you will be offered a trip that is the best match for you.

M. Brown writes for the travel site, http://www.InspiredDiversions.com which specializes in trips to Europe.

This article is intended to help you organize successful group travel; whether you are new to group travel organisation or are simply looking to improve on your experiences. It is aimed at a variety of people in mind. You may be an allocated tour committee member, Social secretary, Club president; or you may be a manager having been asked to organize a corporate trip. You may also be a best man organizing a stag 'do' or simply organizing a holiday for a large group of friends.

Where to Start
If you have not organised group travel before you are probably thinking where do I start? If you have organised group travel before and it did not go so smoothly you should be asking - where should I have started last time?

The first thing you need to decide is who will be responsible for what, make sure those roles are clearly defined, and that the individuals understand their responsibilities. The number of people who need to be involved in organizing group travel will vary depending on your group and destination. For small and informal groups you may decide that you will take responsibility for all the tasks. For large and more formal groups it is often best to assign tasks to multiple people.

You should consider:

• Who will be responsible for collecting money?
  
• For sports or performing arts groups - who will organize kit and clothing
  
• Who will sell the tour to your group and convince them to go.
  
• Who will organize your group - make sure they all have up-to-date passports, organize rooming lists, and carry out any other administration that needs to be done.
  
• Fundraising- if required

Idea brainstorming
Once you have decided on these responsibilities you need to come up with some general ideas of where your group should go and what they should do. In some cases this will be easy as other factors will have already pre-determined this. If you are a sports group and are organising a trip for a sports tournament, your destination and main activity will have already been set. In this situation you should consider what other activities you may also want to do in order that you get the most enjoyment out of your trip.

In many cases brainstorming will be a much more involved process. If you are a music group wishing to go on tour then the options are almost endless with regards to destinations, concerts and itineraries.

You will probably need to do some research into ideas for your group and the brainstorming process could take several weeks. Why not get some ideas from the experts! There are a number of professional group travel organizers out there who will be full of ideas and have probably done something similar before. Contacting a professional group organizer will not cost you anything and will enable you to pick their brains. A number of group travel organizers also provide a large collection of pre-built itineraries on their web sites. You may be able to take one of these directly or adapt it to meet your needs. You can also do research in to destinations on the web by using web sites such as 'Trip Adviser' or 'In Europe' to help get some ideas. If you are traveling in Britain then use visit britain. This is a great web site with lots of useful information. As well as destination and itineraries you will need to think about approximate date of travel, likely numbers, accommodation type, and extra excursions that you might want to do.

Budget
A group's budget is very important. If you create an over priced trip or holiday then no one from your group will be able to come. Equally if you set the budget so low, then you will end up in accommodation that no one wants to stay in, which again may put them off coming.

You need to agree a price range that you think your group can afford and create your trip based on that. If you want to go on a week's tour to Europe but realize that your group can only realistically afford 100 each then you will need to consider fundraising or making an adjustment to your tour in terms of time length, destination or itinerary.

Remember any group can afford a tour it just takes the right amount of planning, creativity and preparation. Some members may have a particularly difficult economic background. You may want to consider subsidizing these members from the clubs funds and fundraising. Some people may also be prepared to pay more in order to reduce the cost to others. You should also take into consideration free places for yourself. In most group bookings you should be able to get a free hotel bed for every 25 members in the group although coach prices are not normally affected.

Getting your group together
The first step is in persuading people to go on your group trip. There are three main factors that decide this. Does the trip appeal to them, is it at a price they can afford and how charismatic are you at selling them the idea! If you can get these three things right then you should have no problem in getting most of your group to go on the trip.

Administrating group travel can be quite time consuming and challenging. You can find your self having to ring people multiple times because they are not in. Chasing people up who have not done something you asked them to do, dealing with people who have dropped out or adding new members on to the tour who now want to come. You must be prepared for a complex and time consuming operation if you want to do everything your self. You can significantly ease the burden by using a professional group organizer. They can help to deal with these problems on your behalf. Depending on which company you go with and what you have agreed with them. If you want them to do everything then you should expect to pay a little extra. But this would free you up to do other tasks that might other wise be more costly to you by ignoring them.

Raising finance and fundraising
Ok, if your group is going on a stag do then no one is going to give charitably to support your drunken antics! If you're a corporation organizing group travel, then the only way you are going to get some one else to pay for it will be if you offer commercial benefits to them.

With most groups though there is a multitude of ways to raise finance for your group travel. You can organize generic events, fun days or organize something based on what your group does. General events and fun days could include: - sponsored marathon/competition, Car washing at a local supermarket or School, Coffee morning for you local retirement home, put on a disco, create a night out, or organize an Easter egg hunt. The list is really only limited by your imagination. Also you should try organizing something that relates to what your group does. If you are an orchestra then organize concerts for your local community. You can quite quickly raise the money you need for your trip; all it takes is a little enthusiasm and it can be lots of fun.

The thing people are most reluctant to do is part with their money. At the early stages it is important that you collect a deposit from every group member who has confirmed they are coming on the trip. With out this there is no commitment or incentive for them not to drop out at the last second and this could be embarrassing. By doing this, your trip will become far more manageable. You should make your members aware that the final amount due may be liable to change slightly if group members drop out or new ones join. A coach booked at 400 divided by 30 people is going to cost more per person than dividing the cost between 40 people. You will normally find that quotes are given in price bands as group travel operators will be aware the people may drop out or you may get additional travelers. You must also make people aware of cancellation cut off dates. Normally if you cancel with a hotel within 30 days prior to departure you will be liable to pay the full amount.

Law and the package travel directive
There have been changes in the Law relatively recently that you need to be aware of. If a consumer purchases more than one travel component, it is considered a package. As such, you must place this money into a trust account and cannot access the money until your group members have traveled. This applies to all non regular group travel organizers. However the definition of what is non regular is not clearly defined and has not been tested in court yet. To avoid the risk of breaking the law on this matter it can be easier to use a professional group travel organizer who already has systems in place to deal with the travel package directive.

Industry bodies
If you do use a professional group travel organizer you should look to see that they are a member GTOA (Group Travel Organizers Association) or the ETOA (European Tour Operators Association) if you plan on making a European trip.

Travel Insurance
As a group travel organizer or initiator for your group you will be viewed as responsible for everything that happens to your group members. Unfortunately from time to time things won't go quite as planned. You must there for ensure you and your group members are protected against such instances. This is especially true with school and youth groups. Often travel insurance is not that expensive and it can be a legal requirement in many situations.

Robert has worked in the travel industry for the past 5 years and has been involved in flight holidays, escorted tours, group travel and cruising. Website involvement includes: MyGroupTour and In Holidays Europe