Connect with us

business

10 Easy Ways You Can Save Money On Your Car Insurance Policy

Published

on

With the average rates of car insurance going up across the country, many drivers are looking for ways to save money on their car insurance policies.

The cost of car insurance can vary from driver to driver and depends on factors such as where you live, what you drive, and your annual mileage. The rates fluctuate from province to province, city to city, and even in your own neighborhood.

Fitting car insurance costs into your budget can be a challenge but, if you depend on your vehicle, you can’t go without it. 

If you drive, you need car insurance. Car insurance is a necessity.

Luckily, there are ways to lower the cost of your auto insurance coverage that involve your personal factors as well as your coverage selections:

1. Be a Safe Driver

First and foremost, average rates are going to depend on your driving record. Accidents or moving violations are going to increase the price of your car insurance policy.

By being a safe driver and paying attention to the road (i.e. not allowing yourself to become distracted by driving) is going to ensure you have a clean driving record and lower auto policy rates.

2. Maintain Good Credit or Improve Your Credit Rating

There are some auto insurance companies that take credit ratings into consideration when providing you with auto insurance quotes. 

This is because insurers want to know if you are responsible in your personal life by looking at your debt management. People with poor credit scores are seen as more likely to file claims.

By maintaining a good credit score, or improving your rating, you can save money on your car insurance.

3. Bundle Your Car Insurance With Your Homeowners Insurance

By bundling your car insurance with your home insurance, you can lower your overall insurance costs by receiving a multi-policy discount.

Plus, having all of your insurance policies in one place not only keeps your policies organized but gives you one point of contact for all of your insurance needs.

4. Install an Anti-Theft Device

It’s possible that you can lower your annual premium on your auto insurance policy by installing an anti-theft device in your vehicle. Make sure you speak with your insurance provider to verify which specific devices can lower your premiums.

However, if you’re only motivation for installing an anti-theft device is to lower your car insurance, compare the costs of having it installed versus what you will save on your premiums.

5. Look For Group Insurance Rates

Some auto insurance companies offer reduced rates for drivers if they get their insurance through a group plan via their employer, business groups, or other associations.

It’s worth asking your insurance broker if there are any discounted insurance rates for any group or clubs that you belong to.

6. Take a Driver’s Education Course

When you take driver’s education through a driving school, you can save money on your car insurance upon completion. Show your driver training certificate to your insurance company for a discount on your insurance premiums.

If you’re a new driver, this is highly recommended. Otherwise, compare the cost of taking a driving training course versus what you would save on your car insurance premiums.

7. Increase Your Deductible

Average car insurance rates include what is called a “deductible”. This is the amount of money you pay out of pocket before your insurance company covers the rest of the claim.

Depending on your policy, the deductible can range from $150-$1,000. The lower the deductible, the higher your annual rate for car insurance.

So, logically, if you increase the deductible on your insurance policy, you can lower the premium. This means that, in the event of damage, theft, etc., you will have to pay a higher amount on the claim – but you can save on your annual rate and monthly rate.

8. Get Only the Coverage You Need

When it comes to car insurance, there are a variety of policy options you can choose from:

  • Comprehensive Coverage: Comprehensive coverage pays to replace or repair your vehicle if it is stolen or damaged in an incident that is not a collision.
  • Collision Coverage: Alternatively, this policy refers to car accidents that result in damage to the vehicle.
  • Liability Insurance: Cover you in the event that you are in a car accident determined to be your fault. This insurance will cover repair costs, property damage, and bodily injury.
  • Additional Coverages: If you transport customers, clients, products you sell, etc., you may require additional coverage on your policy.

There are some situations where not all of these policies are necessary. For instance, if you own an older vehicle, you may choose to remove the collision insurance and replace the car in the event of an accident.

Also, check your insurance policy for additional coverages such as roadside assistance and car rental coverage that you may not need.

9. Shop Around

It’s possible that different auto insurance companies can offer the same coverage on the same vehicle at different rates. This is because not all insurance companies measure risk in the same way.

For example, a past accident may cost you more with one company than another. Likewise, one company may consider your city driving to be high-risk while another sees it as a moderate risk.

This is why shopping around for car insurance rates is crucial when it comes to saving money on your policy. Take the time to shop around – the time spent is well worth the money saved.

10. Look For Additional Discounts

Many insurers provide a variety of discounts but sometimes you need to ask for them. Talk to your insurance broker about discounts such as:

  • Saving money when you pay the entire annual premium at once.
  • Agreeing to receive e-bills instead of paper bills.
  • Alumni or group discounts (like we mentioned above)

If you do inquire about discounts, be sure to compare these to the annual rates. Where one company may offer you a discount, they may have higher premiums – meaning that you really aren’t saving money in the end.

Protection You Can Afford

Car insurance is necessary in order to protect you both financially and physically when behind the wheel.  You’d be hard-pressed in today’s world to ditch your car entirely to save money. This is why it’s important not only to have the right car insurance but to have the right car insurance that suits your unique financial situation.

Continue Reading
Comments

business

5 Things You Need to Know Before Joining VBA Building Classes

Published

on

By

Are you a builder, project manager, or site supervisor and you’re looking to get a Victoria building license? Then you need a good training program to help fast track your building license application. Getting your building license involves different steps will include, including assessment and interview. One of the most challenging areas of getting a Victoria building license is the builders license interview questions, which you must pass. Most project managers and site supervisors usually a VBA building class in order to successfully pass the licensing assessments and interviews. Thinking of joining a VBA building class now? Great! But before joining the VBA class there are some important facts you need to know and in today’s post, I’ll be telling you about the 5 most important things you need to know before joining VBA building class.

5 important facts about VBA Building Classes

Before joining the VBA building classes, there are some important facts you need to know, which includes:

1. There are 10 VBA Building classes

There are 10 available Building classifications under the National Construction Code (NCC).

  • Class 1: Residential or Domestic Buildings (Single houses, standalone single houses, and horizontally attached houses). There are 2 sub-classes under this class.
  • Class 2: Domestic buildings comprising of two or more sole-occupancy unites with people living above, beside, or below each other.
  • Class 3: Residential buildings with long term or transient accommodation 
  • Class 4: Single domestic dwelling within a non-residential building.
  • Class 5: Office buildings for commercial or professional purposes.
  • Class 6: Buildings where retail goods and services are sold to the public.
  • Class 7: Buildings including warehouses, storage buildings, or car parks.
  • Class 8: Factory building meant for assembling, altering producing, or packing goods or products.
  • Class 9: Public buildings including healthcare buildings, social, political, religious or university buildings
  • Class 10: Non-habitable buildings including, carports, private garages, antennas, fences, or private bushfire shelters.

2. There are 5 types of builder classes in Victoria

There are 5 different builder classes you can go for in Victoria, these building classes include:

  • Domestic Builder (Unlimited)
  • Domestic Builder (Limited)
  • Domestic Builder (Manager)
  • Commercial Builder (Limited)
  • Commercial Builder (Unlimited)

3. Out of the 5 builder categories, 3 are for domestic builders in Victoria

The 3 type of domestic builder in Victoria includes; 

  • Domestic Builder-Unlimited: The builder personally carries out, and manages all domestic building work. They can range for sub-contractors to aid them.
  • Domestic Builder-Manager: They manage or arrange for registered domestic builders in another class to perform some domestic building work determined by the certificate of registration.
  • Domestic Builder-Limited: They carry out, arrange, or manage domestic building work specified by the building practitioners board.

4. You must pass the Computer/Knowledge Test

To pass the VBA assessment, you’ll need to pass their computer and knowledge test. You will be required to pass a knowledge test with a minimum score of 70 out of 50 questions. Your knowledge of the National Construction Codes, Australian Standards, and how they apply to trade will be tested. 

5. VBA Class prepares you for your Interview with a VBA Assessor

During your screening for certification, you will be required to attend an interview with a VBA assessor. Your knowledge and experience will be tested here. Preparing for this interview can be done through the VBA classes. 

Continue Reading

business

Top Benefits of Global Affiliate Network

Published

on

By

One of the most important ways to help small businesses grow is to help them get access to more customers. As your business expands, you’ll be looking for new avenues to bring in customers, expand existing client bases, and give you the exposure you need to build your online brand. Global affiliate networks are one of the most effective ways to help your small business grow, because it’s a cost-effective way to advertise your business. It works so well, in fact, that other businesses invest thousands of dollars into these programs.

Here are the top five benefits you can expect when you choose to invest in a global affiliate network program for your small business.

Advertising Revenues

Global affiliate network is able to deliver highly-targeted, targeted advertising to thousands of potential clients. That’s great, because there are millions of people around the world who love high-quality, local fashion and lifestyle content.

By partnering with affiliate networks, brands can target, send, and track thousands of consumers – making their marketing efforts even more effective. You can also compare your program’s advertising rates to other network brands to find out how much you can get in return for your advertising dollars.

Increased Brand Loyalty

As you build a relationship with potential clients through a global affiliate network, you’re able to turn this trusted relationship into real, long-term loyalty and referrals. Affiliates build trust with clients and earn reputations as trusted partners and online influencers.

You then get access to their vast network of connections and clients for a lifetime. Global affiliate networks are also useful for increasing brand awareness among those who may not yet be aware of your products or services.

Instant Gratification

Ads are short-lived and you’ll often have to endure delays or redirection in the customer journey. But global affiliate network marketing provides users with immediate reward – in the form of a discount code, discount or free product.

Global affiliate networks can instantly earn a commission on every sale, boosting their earnings. This creates huge rewards for marketing professionals.

Brand Recognition

People love to share brands they love. Every affiliate website you partner with – regardless of whether they’re a big-name, reputable brand – will have loyal followers who are happy to share the story with their peers and friends.

And, every time a user purchases from the affiliate, they’re immediately connected to the brand – as well as giving you feedback. This feedback will be invaluable for helping you refine your brand’s advertising strategies and tactics.

Better ROI

As you grow your business, you’ll be looking for more efficient ways to get new customers. Global affiliate networking is one of the most efficient means of getting new customers – because it lets you target, track, and engage with thousands of potential customers in a matter of minutes. It can even be conducted from the comfort of your own office.

Whether your business is targeting a broad range of customers or a high-level niche, a global affiliate network is a cost-effective way to drive brand awareness and further your sales. Your affiliate will have a website with a lot of traffic, which will always be looking for the latest content to share on social media. It will also regularly offer affiliate products and services, which can be easily found using their email list.

Conclusion

It’s never too late to start taking the next steps toward the success you want in your business. One of the easiest ways to start off is to use a global affiliate network marketing platform that will help you start earning for your online business.

Continue Reading

business

7 Tips For Creating Your Website With A Big Hit

Published

on

Customer satisfaction must be addressed throughout the whole development process while creating a website. This is particularly true in terms of website design because a poorly-designed website can leave users perplexed, dissatisfied, and less inclined to return. 

Therefore, you have to create your website in a way that makes it a BIG HIT. With the help of a seasoned website design company, you can develop a visually appealing and user-friendly website. 

However, in this article, we will discuss some useful tips you should follow to create a website with success. So, have a look at them!

7 Tips For Creating Your Website With A Big Hit:

Following are seven great tips you shouldn’t ignore if you want to create your website with a big hit:

1. Create A Website Plan

Before getting into the development of a website, you need ideas and plans to work on to build the required website. All great websites are built on proper plans and structures. What audience do you have to target? What are you going to sell? These are some important questions before getting practical.

2. Go For A Minimalistic Web Design Approach

While designing your website, understand that it must be simple, easy to understand, and appealing as well. For this, the best thing to do is to practice the minimalistic approach that helps you create a well-organized and well-structured web design. Only put essential features into your web design that people want to look into. 

3. Opt For The Best Fonts 

Make a point of using different fonts for your website’s headers, body text, and footers. Hence, it is great if your brand standards allow you to use only one font on your website. The best thing is to simply ensure that the font is readable and at a reasonable size. The standard size for the font is 14-16 px.

4. Choose The Best Template

The catchier the website is, the more traffic its drives, resulting in bigger hits and better revenues. The heavy work of formatting validation is taken care of by using the best web template. What kind of product or service you offer or what kind of format you should have is not determined by which web template you pick. A template is nothing more than a starting point for creating a well-designed homepage.

5. Pick Up The Right Colors

Your website should have a consistent color scheme. There is no need to get over-excited and use all the colors in the bucket. The simpler is the better. A decent combination of colors for headers, body text, and footers set high standards for the website. The more pleasing to the eye it is, the more customers will come to the website again and again. 

6. Have A Contact Page

If the visitors are in regular contact with you, it is better to create more interaction and get more clicks on your website. For this purpose, you need to have a contact page from where they can get in touch with you. A monthly email subscription is another way of boosting a great website launch.

7. Perform Website Testing

Testing is the most important part of building a website. Sometimes, you run a feature and it works perfectly well in 1st attempt but fails on the 2nd or 3rd. For this very reason, you need to check each feature multiple times and then launch your website with the confirmation that everything is performing well on your website. 

Conclusive Remarks:

In the end, you need to practice all the tips mentioned above while creating a website with a Big Hit. Hence, for the proper implementation of such tips and tricks, you must get in touch with an expert website development company.

Continue Reading

business

What Is Payment Gateway vs Payment Processor

Published

on

Payment Gateway

When making an online payment, several components contribute to the success of that payment. Out of these components, payment gateways and payment processors are among the most important for every e-commerce transaction.

A payment gateway Vs a Payment processor

A payment gateway is a bridge that links the payment processor, and the account of the merchant to the debit card or credit cards companies such as American Express or Visa. In essence, this is a means that connects the financial accounts of your customer to a seller’s account to move funds seamlessly when a purchase is made. Without the gateway, it would be a herculean task for merchants to receive funds from their customers when a sale is made online.

On the other hand, a payment processor is a third-party company that handles your customer’s fiancés when they shop at your online shop. This means that this company relays information from the credit or debit cards of your customers to your bank, and also to the bank where your customers operate an account.

A transaction is cleared to proceed if there is enough money in the source of funds that the customer has provided. If there are not enough funds, that information is relayed to the customers and they will either choose another payment method or take other appropriate actions.

Other Important Components for a Complete and Safe Online Payment Processing

If you are selling lines regularly, you will also need a Secure Socket Layer, which is popularly referred to as SSL. This is a digital certificate that helps to create a secure connection between your customer’s browsers and your website. This is an important safety requirement because it helps to prevent the perpetration of fraud, which makes more people trust your online shop and do more business with you.

 

Modern all in one payment solutions

These days, payment gateways have been designed to meet the needs of the changing landscapes. A vast majority of the available choices can now handle payments across varied channels, as well as devices and this helps to deliver an incredible Omni channel experience that was not the case some years down the line.

These may include such things as card-present payments that need to be swiped or tapped on a credit card reader, or integration with a third-party system such as accounting and other ERP systems.

Complete All-in-One Merchant Solution that is available in Australia

Selling online in Australia is easy, thanks to the availability of all-in-one merchant solutions. One of them is SecurePay, which is a superior online payment system that has been trusted by more than 90,000 merchants. Some years back, many sellers preferred global payment processors such as PayPal, but more options are now available. You can choose to use it as a payment gateway or as a complete payment solution; it all depends on what your business needs.

Continue Reading

business

3 Things You Need to Grow Your Catering Business

Published

on

By

Are you struggling to grow your catering business? Perhaps you opened your company a few months ago, but currently, you’re considering closing down your catering business for good because it is not turning in any profit? You’re not alone; many first-time catering entrepreneurs struggle for months to get their businesses off the ground.

Growing a catering business is no stroll in the park. Hence, most catering businesses fail. In most cases, catering businesses fail because entrepreneurs ignore certain factors, which this article will explore. But let’s clear this right away:

Is building a brand online pretty easy? 

You’d expect that technology will make things easier when building a brand. But it is difficult for numerous reasons. First, in your city alone, you might be competing with thousands of other catering entrepreneurs that use the exact keywords to promote their brand online. So if you don’t fuse creativity in your marketing campaigns, chances are all your effort will fall flat.

It would help if you had a marketing plan to use as a blueprint for growing your brand and driving more sales into your business. Use one of the below tips to kick-start your catering business: 

1. Consider hosting tasting events once a month

Perhaps this year, you should make hosting tasting events your monthly goal. You can use social media to promote such events or to invite people. Because your business is still new, in your first tasting event, don’t expect throngs of people. Your initial target should be between 20 and 70 people, and if the turnout exceeds that number, your event was a resounding success. Create a list of corporate prospects or anyone likely to use your catering services. Introduce them to your menu, food, and some of the services that you offer. 

2. Manage your costs

Failure to manage costs is one of the main reasons catering businesses fail today. But managing costs can’t be neglected, especially if you want to grow a business. It will allow you to see the financial position of your business and know when to cut down costs. There is management software for catering businesses that you can use to invoice clients, integrate budgets, and manage costs. 

3. Use brand ambassadors

No social media campaign today will work out without including influencers. The good news is most people can agree to become your brand ambassadors without receiving any payment. All you need to do is agree on how you will reward them. However, ensure that you are careful when you select brand ambassadors. Target only people who have good credentials. To be on the safe side, screen everyone applying to become your brand ambassador. 

Continue Reading

Trending