Motor Insurance Quotes – Are Motor Insurance Quotes Legally Binding?

Q: Are the motor insurance quotes I receive from insurance companies binding? If so for how long?

A: The answer to that is yes and no. Let us explain. If you receive motor insurance quotes from an insurance company – then that is the price they are going to charge you. However, they are not legally bound to quote you the same price if you call them back three days later.

It is likely you will receive the same quote from the same company provided there were no incidents from when you first received the quote, but just because it is likely doesn’t mean that the company is bound to stand to by the earlier quote.

A good way to find out how long the quoted rate is good for is to ask the agent or representative who is giving you the quote. Be wary of a hard sell at this point however as the agent is going to realize you will be requesting quotes from other companies.

Motor insurance quotes are liable to change suddenly due to market changes, new insurance legislation, or a driving offense that may have occurred. To avoid this we recommend doing all of your insurance shopping over a one or two day span. This will ensure you get the price that was quoted to you.

Lastly, we strongly recommend that you take comparison shopping seriously when it comes to finding the best deal on auto insurance. While it may sound like common sense, there are many drivers who don’t take the time to compare quotes from different companies and end up overpaying for their coverage as a result.

Compare Policies to Find Cheap Car Insurance

The idea of ​​a low cost car policy is something that has certainly been convoluted by the variety of bad advice and recommendations that are so littered across the internet. Unfortunately, most people make the mistake of looking for a car policy that costs the least and totally forget that a car policy product is supposed to carry some basic features to be really useful. The result of such a choice is that the buyer ends up regretting his / her choice and wishing for a more complete product. In order to find complete car policy that is also cheap, you need to compare multiple policies available online and this comparison process should include almost all the relevant aspects of policy to make it truly comparable. Here is a list of those aspects.

1. The service provider:
The provider of the insurance instrument is critical for you to find a policy that is really useful because it is the provider who has to approve or reject your claims. In different words, since the provider has to honor the claims, it is important that you find one who is respectable and genuine. Therefore, you should go through different reviews and comments posted online and try to tie yourself to only the best provider.

2. The coverage of the policy:
It is also very important for you to find a policy that has decent cover. Decent cover for every buyer would be different because the needs of every buyer are different. For example, you might be a bachelore which would mean that you will not really need co-passenger cover. In contrast, if you are a married man, then you would need a product that provides cover to your co-passengers. Here, understanding your specific requirements and finding a policy that matches them is something you should not neglect.

3. Network of garages or workshops:
The purpose of a car insurance product is to make your life easier in every way possible. This means that it should not only provide the right compensation but also do so in the most convenient manner. This is why the policy provider should have a vast network of workshops and garages. A wider network would allow you to get your car repaired and also have your claims honored as conveniently as possible.

4. Additional benefits and bonuses:
Finally, there are many providers online and offline who really try to attract potential buyers by adding value to their products. This value usually comes in the form of discounts and bonus benefits. For example, the no claims bonus feature is a very common value addition tool that is used by online providers. This feature would allow you to reduce the premiums that you have to pay if you have not made claims on your previous insurance policies. Needless to say, these added features are a wonderful way to not only make your policy more useful but also reduce the cost of buying it.

Cheap car insurance is a lot more than an empty policy which costs nothing. A cheap car insurance policy should ideally be able to protect and serve you while not costing a fortune.

What Does ("PID") Mean in The Real Estate Industry?

A Public Improvement District ("PID") is a financing tool created by the Public Improvement District Assessment Act as found in Chapter 372 of the Texas Local Government Code. The PID enables any city to levy and collect special assessments on property that is within the city or within the city's Extraterritorial Jurisdiction ("ETJ"). A county may also form a PID, but must obtain approval from a city if the proposed PID is within the city's ETJ. The PID establishes a mechanism to finance improvement projects through the issuance of bonds secured by special valuations levied on all benefited properties. Because PID bonds can be used to reimburse the developer for eligible infrastructure early in the development process, often before the closing of the first home.

Public Improvements Eligible for PID Financing are; Acquisition of Right of Ways, Art, Creation of pedestrian halls, Erection of foundations, Landscaping and other esthetics, Library, Mass transit, Parks & Recreational or Cultural Facilities, Parking, Street and sidewalk. Supplemental safety services for the improvement of the district, including public safety and security services. Supplemental business-related services for the improvement of the district. Water, wastewater, health and sanitation or drain.

Benefits of a PID

A PID may be established early in the development process allowing the developer to be a reimbursed upon completion of the public infrastructure. Furthermore, unlike a Municipal Utility District ("MUD"), Water Control and Improvement District ("WCID"), or Fresh Water District ("FWSD"), PIDs do not require TCEQ approval, and are governed by the governing body of the City or county, thereby alleviating concerns regarding board turnover and the integrity of the board. If the city chooses to annex property that is within the boundaries of a PID, the city is not forced to pay off the assessments, and the assessments do not affect the city's debt capacity or rating.

Branding Vs Advertising Vs Promotions Vs Marketing Vs Public Relations

Many people are confused as to the differences between branding, advertising, promotions, and public relations. For that matter, the actual process of "marketing" is misunderstood just the same. To give you a basic understanding, marketing is not a one time event or activity, it is a process, a combination of things which blend together By definition, Marketing is the act of mixing product, price, place, and promotion. But first, on to …

A great example of branding is Apple. IMac, iPod, iTouch, iPhone, iTunes. Get the point? Apple has created a massive brand strategy using the "i" element. Think of the Ritz-Carlton, LifeTime Family Fitness, Hilton Hotels, and what do you see? First class service, luxurious amenities, excellent service? Now, how about Best Western, 24-Hour Fitness, Motel 6? What kind of "Brand" is each of those? Can you see the contrast? What is your company brand? Are you sure? If you think you're a high-end facility, do you show it? Would you see the front desk clerk at the Ritz-Carlton wearing a button promoting the frequent guest club? Would you see a front desk clerk at a Motel 6 wearing a $ 1000 suit? Does everything you do, say, print, write, and provide consistent with your brand message? If not, you may want to consider who your true target audience is, and work at ensuring you continue to provide services that directly relate to them.

Advertising is the actual process of displaying your message. Advertising on the radio … Advertising on tv … The one act of making something happen. Tie your Advertising and your Branding together, you have the Marketing Process. If you are just "advertising" without any direction, any goal, any unity, then you're just a lost puppy wandering aimlessly hoping someone will give you a good home.

A promotion is typically a one-time event for a specific purpose or goal. Whereas marketing is ongoing, a promotion can be a one-day, one week, one-month, or even one-hour event. In retail, a "SALE" is typically a promotion. Car dealerships offering Zero percent interest is a limited time promotion. They typically have a specific start and end date, and have a very clear understanding of the ROI (return on Investment) any particular promotion should achieve to make it a success.

Public Relations
PR, or Public Relations, typically revolves around un-paid news sources and focuses on your business as it relates to the community. If you see a positive, or hopefully positive, story on the news or an article in the newspaper, this is the type of press a Public Relations firm may help you get. They have strong relationships with the news media and often feed them stories about their clients, in hopes of some free press. You, too, can harness the power of free press and public relations, although it can be difficult at times to get noticed, which is the PR firm's strongpoint.

Marketing is the process that drives all the above elements. It directs the feel, image, and tone of the advertising, promotions and public relations. To each of these elements, there are experts in each of these fields. You can hire a company just to handle your branding, and another to handle your advertising, marketing, and yet another for your public relations. Of course, as a small business owner, you may not always have the budget for such companies. You can learn how to achieve the same results at and get the latest in marketing news, education and resources to help build and grow your business.