Friday, February 27, 2009

Why Use a Broker for Your Insurance?

That's a very good question. Well, Let's look at a scenario where you've got a new driver and he/she needs insurance. They could do a lot of research and maybe find a reasonable policy with company "A". Or, Maybe company "A" doesn't really care much about saving the customer money but just wants to write a policy to meet their quota.. Yes, most sales people have quotas to meet and will do about anything they can to sell the prospect that car insurance policy.
Now, the company that has agents that understand what re-ups are ( repeat business) will take the time to find the best policy for the individual so when it comes time to renew, they are still getting all the coverage they need at the best price because the agent took the time way before the driver contacted them to really research the marketplace for them when they are contacted.
So, what's this about a broker's fee? Yes, there is a broker's fee, but most of the time it doesn't impact the customer as much as you believe because the product (policy) found is usually more inexpensive anyway because of the initial steps taken upfront by the agent to locate the best deal than if he was working directly for a company that writes it directly.
Save more by having your agent do the shopping for you. That's why they're there! Everyone wins!

Wednesday, February 25, 2009

Why Are We Bored With Auto Insurance?

Years ago when all the other insurance companies were presenting us with conservative, boring advertising, a rebel emerged from the din of companies and struck a new and creative note with the public; Survival Insurance. This company and it's founder, Richard Acunto, understood that insurance doesn't have to be boring. Yes, we all have to have it because if we don't and get caught driving without it, we're in for a lot of trouble.

The company is anything but boring. Many of the agents have their own motorcycles and ride in large groups on a regular basis.

One thing is for sure, the images in their new ad campaigns are anything but boring. They're on the edge, controversial and sometimes further than most would go in this industry.

Looks like that might be one of the reasons this insurance company stays in front of the pack because they don't like being just another boring insurance company that doesn't listen to their customers.

OK...I guess this is sounding like an ad. Well, I am a marketer and live all day finding ways to bring knowledge to people about good companies with good products so forgive the almost "hard-sell" sound.

Why The Girls of Survival?
Yes, it does speak to one side of the marketplace, but most of all it gets all of the market's attention.

Surprisingly, more and more women are buying motorcyles according research found on the AMA site (American Motorcycle Association). For seasoned riders, there's nothing better than a beautiful bike with a beautiful woman sitting on it ready to ride.

The Law Makes it Boring!
Let's face it, if the law says we have to do something like have car insurance, that's just really boring and most people I've talked to are completely resigned to the fact they must buy it and let's not talk about it anymore.

The same people surveyed were asked why they buy it and after they say the law makes them own some, they realize their possessions are more secure with it than without it.

Sometimes Less is More...
One of the latest ads features a girl about to take her top off (or so it seems) with the line across her chest " Sometimes Less is More...".

At first glance we're not sure what we're looking at and for what product, but as we're drawn into the ad recognition of the subheadline "Are you saving all you can for auto insurance?" starts to give us a sense of some savvy marketing that "breaks through" the wall of boring insurance advertising.

It would be a good idea form some of the other companies to go a bit more out on a limb as well to go from just funny and cute to stronger, more edgy images and concepts.





One of the First of Many Early Commercials by Survival Insurance
Above is one of the first that started it all. If you didn't have Survival Insurance, well...you can't take that ride!

Check out more of these commercial at this address: www.survivalinsurance.com




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