Auto Insurance Companies – Car Insurance Quotes

Compare Auto Insurance Rates

Stats revealed auto insurance premiums rose by 7% last, far above the usual 3 to 4%.  With driverless vehicle technology ready to roll, and auto claims rocketing, drivers are likely to see even higher rates soon.

If your rates rose despite having no claims last year, well, isn’t it time you started shopping for cheaper auto insurance?

Shopping around online is the only way you will reduce your auto insurance costs




Compare Car Insurance Rates

If you’re not comparing auto insurance rates, you’re giving away money. In fact, car insurance shopping is the only way to can substantially lower your premiums and get better converage.  This post will convince you and give you some new options.

You get lower auto insurance by comparing quotes from different vehicle insurance companies. There are a lot of them out there.  There’s big and small insurance companies and independent brokers looking for your business.




Will you save on insurance for electric vehicles?

Rising auto insurance isn’t a local issue. Car insurance rates are rising everywhere but it appears consumers are apathetic about it. If you look at the price charts below you’ll see how much people expend for auto insurance.

Self-driving cars could raise auto insurance rates for you and I, since those autonomous car companies would negotiate their own low rate coverage. They’ll save plenty, but you will have to negotiate your own insurance rate.

 




The insurance companies are awash in cash now however they’re facing tough times as their own pool of revenue is eroded and claim payouts rise. Switching insurance companies might be a wise move. Consider this stat:

The average auto insurance premium in Ontario, Canada is $1,458, which is almost 55% higher than the average of all other Canadian jurisdictions — from a Globe & Mail report.

It’s 2017 and time to take massive action to save money. Have you investigated UBI or usage based auto insurance? Check out the auto insurance rates for your city or state below.

Get the best auto insurance quotes in Toronto, Vancouver, Los Angeles, San Diego, Miami, Phoenix, Denver, Boston, New York and other cities where consumers are fed up.  We’re all paying too much to insure our cars, SUVs and trucks. It’s hard earned dollars ($10,000) that you’re giving away but now that can change.  Has your loyalty to one insurance company done much for you?

Look back at the last 20 years of auto insurance coverage you purchased (e.g., 20 x 12 x $150 = $36,150).  Could you use that money right now?

It’s a Great Time to Switch Auto Insurance Companies

Bentley EV  – Luxury Car Insurance

Yes, switching insurance companies is a wise financial choice.  There are videos, charts, infographics and quote comparisons below that will open your eyes. When it comes to finding the lowest insurance rates, and a better policy, this might be a good starting point.  It’s best to do lots of searching and get a wide variety of quotes from insurers.  Just through persistence alone, you’ll get the best rates.  You could save $10,000 over 6 years or as much as $1800 in one year.

Do you Need Collector or Luxury Car Insurance?

Here’s an auto insurance niche where you can get more price and appropriate quotes for your Porsche, Mercedes Benz, Ferrari, Lamborhghini, Bentley, Rolls Royce, or Maserati.




I’m sure you’ll find the auto insurance quote comparisons below an eye opener.
According to one source, the average price of auto insurance across the US is $1100 to $1200 per year — that leaves lots of room for you to start saving!

Virginia has become the 19th state to ban consumer price gouging – Consumeraffairs.com – fair warning that you are probably getting taken.

Searching for Insurance via Google

Google is certainly fast and you’ll get better rates than from an insurance agency in Los Angeles, Boston, Phoenix, San Francisco, San Diego, Seattle, New York, Indianapolis, Detroit, Philadelphia, or Chicago. Within seconds you can be on an insurance company website and buy an auto insurance policy. I’d advise looking first to the auto insurance comparison sites before you decide on an insurance company and take their coverage.  That’s particularly true if you’re buying luxury auto insurance.




Not all of the big name companies such as Allstate, Progressive, Geico, Nationwide, State Farm, Mercury, StateFarm, and others offer great rates or the coverage you actually need. I know from my own searches that I tend not to be thorough enough. I get restless and frustrated and settle for a higher auto insurance quote than I should. I want to help you optimize your quest for the lowest auto policy.




Sharing Really is Caring
Share this post on Facebook with younger drivers who need some relief from $4000 to $8000 policies.
 

My Car Insurance Quote

I conducted a search directly on the insurer’s websites of Geico, Progressive, Statefarm, Liberty Mutual, Mercury, Allstate, AAA and Farmers. In the chart below, you can see the quote for a 40 year old male living in Santa Ana, California, driving a 2010 Hyudai Santa Fe 4 dr sedan to work 30 miles away daily, and having one non bodily injury accident (hit a car). We need an example to analyze an auto insurance quote, so let’s take a quick look at this one.

Statefarm’s auto quote was about $1300 less per year than Liberty Mutual’s. Over 6 years, that translates to $7800 in savings if I chose Statefarm.  Further below, I sought quotes via insurance hotline and the variation was bigger.  With your own search, you may find one local insurance company who may be willing to insure you at much less.

Is a  40 year old driver with one accident statistically that risky? Obviously Liberty Mutual, Statefarm, and AAA believe there is huge risk. Each company processes the statistics differently, and they’re entitled to. However, are they being reasonable about it. Is the auto quote abnormally high?

Geico Auto Insurance Quote Form Screen Capture courtesy of Geico

Get a Quote in Your City

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Auto Insurance Provider Price per Year
Geico Auto Insurance Company $1772
Progressive Auto Insurance Company $1884
Statefarm Auto Insurance Company $1654
Liberty Mutual Auto Insurance Company $2909
Mercury Auto Insurance Company $1760
Allstate Auto Insurance Company $1655
Nationwide Auto Insurance Company $2071
AAA Auto Insurance Company$ $2673
Farmers Auto Insurance Company $2796

Some of these companies make you fill out endless questions, some of which you have to wonder are even legal. I liked Progressive’s online auto insurance quote process the best.  It was quick and the least painful. They seem to respect your time the most. Their quote was a little higher than Allstate and Statefarm, but I suspect Progressive has a better corporate culture — a signal of how they’ll treat you after becoming their customer.

Auto Insurance Tips from Everquote.com

Auto Insurance Tips on how to Get Cheaper Car and Truck Insurance

Canadian Auto Insurance Buyers are Getting Ripped Off

Car Insurance Quote In Canada

Here’s another example auto insurance quote for a 2014 Hyundai Santa Fe, 4 door, for a 48 year old male with one ticket. See the huge difference in quotes from individual brokerages?  That’s right, in this case there are two Aviva brokerages competing. The lowest quote was  from Travelers insurance. It equates to $1700 savings per year and more than $10,000 over 6 years. That’s a significant amount.

car insurance quote
Car Insurance Quote for 2014 Hyundai Santa Fe

Auto Insurance Rates by US State

Just in case you’re curious, here is Insure.com’s rankings of States for car insurance policies for one year.

Cheapest Cars, Truck and SUVs to Insure

Are you looking for the cheapest auto insurance?  Check out usage based insurance and consider buying an old car. Here’s Yahoo’s list of the cheapest cars and SUV’s to insure:

1. Honda Odyssey LX – annual insurance premium: $1113 per year.

2. Honda CR-V LX – annual insurance premium:  $1,170.

3. Dodge Grand Caravan – annual car insurance premium $1,174.

4. Jeep Wrangler Sport – annual car insurance premium $1,181.

5. Jeep Compass Sport 2WD – annual car insurance premium $1,190

6. Ford Escape S 2WD – annual car insurance premium $1,194.

7. Buick Encore Sport Tour 2WD – annual car insurance premium $1,200.

8. Jeep Cherokee Base 2WD – annual car insurance premium $1,203.

9. Nissan Frontier S King Cab – annual car insurance premium $1,204

Here’s something to think about to motivate you: a savings of almost $1000. How long does it take you to earn $1000 x the next 4 years = $4000. Because, insurance buyers tend to be loyal (or just lazy) and stick with the insurance company that’s sticking it to them. If that’s you, then, spend a whole afternoon or evening searching for a lower auto insurance quote. Save your money.

Sharing is Good for Your Social Health, and good for others bank accounts. Help them save by sharing this post! Who couldn’t use all that money?

A survey by carinsurance.com (they do these studies for PR and for wider exposure in social media and Google) so take it with a grain of salt.  Carinsurance.com stated that in California, the average annual premium across the six top carriers was $1,428 (significantly higher than national average of $1,277). The cheapest car insurance averaged an amazing 33% less, at $960.

The Type of Car you Drive is a Key Factor

You may not realize that the insurance companies offer cheaper insurance for a certain type or brand of vehicle. Jeeps for instance have very cheap rates. Why? Who knows?  They’re not divulging anything that will cause them to lose profit. Obviously, your age, sex, and recent driving record will determine if you can get those best rates. Are new electric cars like the Tesla Model 3, Chevy Volt or Nissan Leaf the way to go?

Find the lowest insurance rates in your city: Los Angeles car insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego car insurance, Seattle car insurance, New York car insurance, Indianapolis car insurance, Detroit car insurance, Philadelphia auto insurance, Toronto car insurance, or Chicago car insurance.




Inforgraphic courtesy of Enhance Insurance – Automobile Insurance facts in all 50 states

Auto Insurance Resources

Car Insurance requirements in California:

Car Insurance requirements in New York:

Auto Insurance Coverage Requirements in Texas

Auto Insurance Coverage requirements in Florida

Auto Truck Insurance requirements in Illinois

Car Insurance minimum coverage requirements in Ohio

Car Insurance coverage requirements in Massachusetts

Lowest Auto Insurance Coverage in a City Near You

More on the best insurance in your city: Auto Insurance Quote Los Angeles | Car Insurance Quote Boston | Car Insurance NYC | Portland Auto Insurance |  San Jose Car Insurance EVBest Auto Insurance Quote Detroit | Car Insurance AtlantaAuto Insurance Indianapolis |  Auto Insurance Quote Seattle | Toronto Auto Insurance Quote |  Auto Insurance Quote PhiladelphiaOrlando Auto Insurance Quote |  Auto Insurance Vancouver | Auto Insurance Toronto |  Best Auto Insurance Quotes Jacksonville | Auto Insurance Tampa |  Best Car Insurance Washington DC | Cheapest Car Insurance Cleveland |  Auto Insurance St Petes FL | Best Car Truck Insurance Salt Lake City |  Auto Insurance Quote Pittsburgh | Las Vegas Car Insurance Quotes |  Car Insurance Dallas TX | Discount Car Insurance | Usage-Based Telematics Quote | How to Save on Auto Insurance | Car Truck Insurance Comparison | Insurance Companies

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San Francisco Housing Forecast 2018 – Bay Area Real Estate Trends

The San Francisco Bay Area Forecast 2018

Enjoy this look at the housing market and real estate opportunity in the San Francisco Bay Area market. There are plenty of stats and charts below to help you understand the market better.

In many big US cities, losing an apartment rental lease is a serious matter.  For some, it could lead to living in a vehicle or on the street or in grossly over-occupied dwellings.  New York, Miami, Los Angeles, and Seattle are cities where renters are exposed to low availability and high rent.

Although it’s a nightmare for renters in San Francisco it’s the best investment opportunity for real estate investors like you.





Why discuss apartment rentals in San Francisco? Because renters here in the Bay City are looking to become home owners to build equity for their lives. And investors across the US and other countries are looking for  rental income properties.

The Bay area and San Francisco in particular are rated as the best locations for rental income investment. Builders have a grand sale or rental income opportunity in San Francisco.




How big is the need? It’s a textbook case of supply and demand where demand is huge and development is stunted and current homeowners have no intention of moving, even after retirement. This recent news about a Palo Alto commissioner quitting her job because it’s too expensive in Palo Alto says it all for everyone in the Bay Area and City of San Francisco. This woman and her family are moving 40 miles away to Vera Cruz.

“We rent our current home with another couple for $6,200 a month,” she wrote. “If we wanted to buy the same home and share it with children and not roommates, it would cost $2.7 million and our monthly payment would be $12,177 a month in mortgage, taxes, and insurance. That’s $146,127 per year — an entire professional’s income before taxes.” – experpt from a news report in Bizjournal.

Auto Insurance San Francisco

Looking for a better quote on San Francisco Auto Insurance. Find out how you can save on auto insurance and save thousands of dollars on your next policy. Time to switch insurance companies to get the rate you deserve.






The October 2016 Housing Sales Report

From sfrealtors.com, the newest report shows dwindling supply.

Inventory continues to be tight. Active single family home listings in San Francisco saw a 21.7% decrease bringing the number of listings for sale down to a sparse 387. During this same time there were 509 condos, TICs, and coops on the market, a 20.6% decrease from this same time last year. Homes in San Francisco saw a 34% increase from this same time last year, bringing the median sales price to $1,216,500. Condos, TICs, and coops saw a 10 percent increase, bringing the median sales price of those types of housing to $950,000.”

San Francisco home prices are $1 million above the above the average detached home price of a home sold across the US. The forecast for San Francisco is an extreme version of the Los Angeles forecast.

More Development Forecast?

The Trump government is shining the light on special interest groups or local governments who may be deliberately thwarting housing development. This might be the biggest news in real estate in 2017 to 2020.  Is exposure of municipal and state government restrictions and management of land and development going to a major break for new home investors and builders? Should the 2017 forecast be about the coming building boom?




Here’s the source of the problem in California communities:

The Legislative Analyst’s Office found that California’s coastal metros take about two and a half months longer, on average, to issue a building permit than in a typical California inland community or the typical U.S. metro,” the report admits. The result is housing gridlock.  From a post in sfchronicle.com.

A hot economy in the Bay area but perhaps leveling off?

Reports on San Francisco’s jobs and income growth look excellent. And if you’re a Trump believer, and supporter of bringing back American jobs, you have to feel pretty good about the jobs outlook, unless you’re a renter.

SF CONTINUES TO LEAD STATE IN JOB GROWTH

The San Francisco Metropolitan District (MD) continues to lead the state in job growth, and with an annual 4% increase in employment as of March 2016, is expanding its workforce at one and a half times the pace of California as a whole (2.65%). The San Francisco MD added 41,900 new nonfarm positions to its jobs base from March 2015 to March 2016. — from Beacon Economics report on the San Francisco economy.

Forecasts available at beaconecon.com/products/regional_outlook_san_francisco

And another report has it that tech in San Francisco Silicon Valley is strong and invulnerable to drops:

The Bay Area and California are in for slower job growth this year and next, but the Bay Area, powered by its high-tech economic engine, will outpace the state in job creation, according to two new economic forecasts released Wednesday.  

This year and next, the technology sector will add jobs at a brisk clip, propelling the Bay Area employment market and economy at a healthy pace, according to Christopher Thornberg, director of the Center for Economic Forecasting and Development at UC Riverside’s School of Business. “Tech is hot and will keep pushing the Bay Area forward,” Thornberg said.  – exerpt from news report in Mercury News (http://www.mercurynews.com/2016/09/28/forecasts-bay-area-job-market-economy-poised-to-shine/)

Housing Affordability Sucks in California

Why? The housing affordability rate has dropped 21% in 6 years, likely the key driver, moreso than immigration, high tech business success, or income growth. In San Francisco, people have to pay whatever the market demands. And renters haven’t been looking really. Only 16% bother to contact a realtor.




Screen Capture courtesy of CAR Screen Capture courtesy of CAR

Homes in the San Francisco Bay Area, lead in selling above asking in 2016 (67%). And just south in San Jose, homes sold for a whopping 68% above their purchase prices. These areas are rated as the top cities in the US to invest in real estateSan Jose and San Francisco led California in home price gains, followed by Sacramento and Los Angeles.  San Diego’s not far behind.

Now in 2017, we’ve seen prices fall in most areas of the SF Bay, except San Francisco and Santa Clara. I’m getting calls from Realtors north of SF so it looks like those areas are becoming more affordable options compared to SF which just keeps heating up.

And with home prices staying or rising, the forecast for apartment rentals is high demand and high prices — great news for rental income property investors. Accommodation costs are a significant personal and professional problem for Californians which may never go away.

New Home/Condo Development in SF from Paragon Realty

Looks like developers are gearing up for even greater supply.

newresidentialconstruction-sf Infographic courtesy of Paragon Real Estate Group

Condo-Inventory-Growth_since-1976

Rents_Avg-SF_by-year




Overall, the US homes forecast and the Los Angeles housing predictions and outlook are positive. The introduction of Donald Trump and republican government policies to loosen up restrictions on mortgages and perhaps development land could ease prices, but it may take quite a while. If the economy improves, there could be an additional rush of new workers to the area. Employment outlook: SF now has 547,000 employed people compared to 448,000 during the dot com boom era an increase of 99,000. Lots of high earning renters and buyers.

Need a home loan? Use the mortgage calculator to find out how much you should borrow.

This recently published chart from Zillow reveals the California cities of San Diego, Los Angeles, San Jose, Sacramento, and San Francisco are the most expensive and least affordable places to buy a home.  Combine the stressful commute times in LA, and the Bay Area, and you have a population feeling on edge, uncertain of their long term future. The word rent is one of the foremost ones in the vocabulary of Californians. Only 30% own their own home.

jobschart

Fueling the frenzied demand for San Francisco apartment rentals is a growing affluent and young population whose incomes are rising. San Francisco has the highest apartment rentals prices in the US.

percapitasanfranciso

The national Apartment rental index chart from Apartment list shows how prices have jumped this year across the country.

apartmentlistrates

And the rental apartment rates in San Francisco, San Jose and Los Angeles are in the top ten most expensive. An average apartment for rent in San Francisco will set you back a whopping $4700 per month.

nationalmedianapartmentrentals

The San Francisco Housing Forecast

See this exerpt from rereport.com with quote by California Association of Realtors president Pat Zicarelli:

The C.A.R. forecast sees a modest increase in existing home sales of 1.4 % next year to reach 413,000 units, up slightly from the projected 2016 sales figure of 407,300 homes sold. Sales in 2016 also will be virtually flat at 407,300 existing, single-family home sales, compared with the 408,800 pace of homes sold in 2015.

“Next year, California’s housing market will be driven by tight housing supplies and the lowest housing affordability in six years,” said C.A.R. President Pat “Ziggy” Zicarelli. “The market will experience regional differences, with more affordable areas, such as the Inland Empire and Central Valley, outperforming the urban coastal centers, where high home prices and a limited availability of homes on the market will hamper sales.

As a result, the Southern California and Central Valley regions will see moderate sales increases, while the San Francisco Bay Area will experience a decline as home buyers migrate to peripheral cities with more affordable options.”

The Exodus of Buyers and Renters

Renters used to stay in town, but they are forced ever more into the surrounding countryside along with those who can buy, to search for cheaper places. The commute times for renters and buyers will get much longer and automobile insurance, maintenance and fuel costs will add to their cost of living. Despite a rise in condo developments, buyers are looking far outside San Francisco for a new home.

Where to buy Homes in San Francisco?

newdevelopmentlocations
New Proposed Developments in San Francisco

Wondering what is being developed in San Francisco? SF Curbed has a listing of 26 proposed high rise developments in the works. Check them out in the link at right.

californiapricegrowthThe new developments on Fremont St perhaps carry the most weight for renters with hundreds of units coming available.

The Rincon Hill development is the first neighborhood plan adopted by the SF Planning Commission in more than 10 years. Combined with the Transbay area development, it is a major housing development estimated to create housing for as many as 20,000 new residents. High rise towers in San Francisco? Yes, the Rincon development is for construction of 4 to 8 story buildings, and slender residential towers ranging in heights of 250 to 550 feet. The tallest towers are slated for the top of Rincon Hill, where they will form a distinctive new element on the City’s skyline.

Conclusion on the San Francisco Real Estate Forecast

You’ve read the stats – record high and continuing job growth, huge multinational high tech firms with boatloads of cash, a changing mood toward land and housing development, and a new US president who may be biased toward real estate development. The investment opportunity in SF looks to be as strong as it is anywhere, with the potential of extreme profits on investment. Home flippers, new construction developers, and small builders should find plenty of room for profit if they can get property owners to sell their land.




Is this the right year to buy rental income property?  Find out more about the best investments in 2017 including investing in real estate.

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Gord Collins Los Angeles Real Estate Marketing —  I generate leads for realtors in Los Angeles, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Sunnyvale, Riverside, Rancho Cucamonga, Costa Mesa, Thousand Oaks, Simi Valley, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita, Temecula, Stockton, Palm Springs, Chula Vista, Escondido, Santa Monica, and more. Find a Los Angeles Real Estate Agent who actually wants to work with you.

LifeHacks : How to Save More on Car Insurance for Smart People

8 Best Way to Save Money on Car Insurance

If you’ve always longed to be called a hacker, here’s your chance. I’ve got 8 of the best ways to cut your car insurance costs. Think of yourself as a smart, savvy consumer who is hell bent to save your money. And wow, when it comes to saving money, car insurance is a biggie. I showed in this post how I got an online insurance quote of $1700 less per year. Over 6 years, it’s a savings of $10,000. With that, I can take a vacation.

Car insurance is one of those insidious expenses that we don’t think enough about but if we put a little effort into finding a better policy, we’ll have quite a bit more money at the end of the year. That could come in handy when it’s your turn to play Santa at Xmas!

So how can you save enough to make it worthwhile? Here’s my car insurance saving hacks you can’t live without. Money’s important even those buying luxury auto insurance. Don’t just give it away to insurance companies. One of the reasons they can spend so much on advertising is because shoppers like you don’t demand the lowest rates.




Auto Insurance Buying Tips

Auto Insurance Buying Hack #1: Use Google for 4 hours and ensure you get quotes from at least 10 insurance brokerages.

Car Insurance Buying Hack #2: Buy your insurance online. Don’t phone. Progressive companies who pay out fast on claims will also have a good online quote tool and they stand behind their car insurance quotes.

Insurance Buying Hack #3: If possible, buy your other insurance coverage such as homeowners, renters, and boater/motorcycle insurance coverage with that insurance broker too.

Insurance Buying Hack #4: Use a brokerage because they’ll work harder for your money. If there’s quick adjustments needed or you need to change providers, they can advise you as they’re also always experienced and not biased like insurance company agents will be.

Auto Insurance Buying Hack #5: If you’re a good driver who doesn’t drive like a maniac and reckless abandon, use the $1000 or more deductible. It’ll save you quite a bit.

Auto Insurance Buying Hack #6: If your car is an old beater, consider eliminating your collision coverage. This isn’t an easy one, however if your car is worth $2000, you won’t be getting much if you have to make a claim.

Auto Insurance Buying Hack #7: Buy the right car or SUV, as I mentioned in this post on car insurance, some brands and vehicles such as the Honda Odyssey or Jeep Wrangler offer very cheap insurance rates. This could get your insurance rates way down!
So there’s my top car insurance buying tips for this year.

Auto Insurance Savings Hack #8: Ask for usage-based insurance coverage. This is called telematics by the insurance brokers and they’re certain to have a good provider in their stable. The insurance company will install a device which tracks you by GPS. They’ll note your speed, how you brake and accelerate, and other driving habits. This helps create a mood of control and poise in drivers because they feel they’re being watched or monitored. The fact you’re willing to do this means you may be a better driver and they may offer you lower rates. They want to keep good drivers and drop the bad ones. Simple business success for the insurance companies.

Save Money Driving in Your City

Find the lowest insurance rates in your city: Los Angeles car insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego car insurance, Seattle car insurance, New York car insurance, Indianapolis car insurance, Detroit car insurance, Philadelphia auto insurance, Toronto car insurance, or Chicago car insurance.

Are you a homeowner looking for ways to save on hydro power and enhance the curb appeal of your home. Check out this post on residential solar power systems.  The savings are good, but the rise in home value is the surprise.

The most important thing you can do to save money is shop around and never tire of getting quotes. You owe nothing to the insurance companies by paying more and limiting your search. It’s your money so keep it.  Being a lifehacker is a fun way to get more out of your cash resources and generate a habit of saving money.




Car Insurance Buying Mistakes

Sometimes, costs come in the form of other mistakes. Here’s some tips on big mistakes to avoid:

car-insurance-mistakes-infographic
This infographic brought to you by Mint.com and Coverhound

Check out some other lifehacks in this infographic from SparkInnovation.

lifehacks-infographic
Infographic courtesy of Spark Innovation

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Insurance Companies – SEO and Content Development for Insurance Firms

SEO for Insurance Companies and Brokerages

If you’ve read my post on PPC prices via Google Adwords, you know that insurance companies and brokerages like yours are paying a lot for advertising.  The high rates tell us auto insurance buyers are online in droves looking for car insurance coverage or possibly to change providers.

When insurance companies are willing to pay $80 per click, it tells you right away that it’s a lucrative business sector and that you can save a lot of money by creating leads via SEO, Content Development and Social Media. These three approaches work very well together. A key note on content development is that it must resonate on the insurance topics and be presented in a way that is consistent with Google’s quality algorithm update and Rankbrain update.  Google is a different beast than your regular insurance customer.

Inhouse or Expert? Please don’t continue with inhouse digital marketing if your team can’t make it work. If they don’t have the skill and creativity, they likely never will. You need a seriously competitive and innovative SEO consultant who isn’t afraid to tackle any challenge and who has experience with several insurance companies and brokerages.

Take a look a few of the prices that insurance brokers are paying online. And keep in mind, these are suggested prices to show up. These won’t get you to the top advertising position. And if your landing pages aren’t high quality, you’ll have to pay even more.

Keyword Phrase Avg. Monthly Search Volume US (exact match only) Suggested Price per Click
performance car insurance 50 $74.07
company car insurance 140 $72.63
young drivers car insurance 30 $59.38
insurance car quote 480 $57.57
auto insurance 165000 $56.99
automobile insurance quotes 880 $56.40
affordable insurance 12100 $55.74
business loans 27100 $55.29
auto insurance quotes online 3600 $54.41
best car insurance 12100 $54.20
get a car insurance quote 320 $53.52
quick car insurance quote 320 $53.50
get auto insurance quote 1000 $53.34

While it’s true that minimal, low budget efforts won’t deliver much, it’s always a good idea to use SEO for the long run. It’s important to supplement your leads gained via advertising. And it’s important to keep your current customers informed and glued to your brand and value proposition. SEO does all of this.

Building a Preference for your Brokerage

Why do insurance consumers choose the companies they do. I’m sure Geico would tell you it’s all about fun branding while esurance will tell you its about advertising and insurancehotline will say it’s SEO. Yes, location is everything and being number one on Google search is prestigious and highly converting. The higher your rankings, the more easily you’ll convert visitors. The principle is simply. If they come to your site first, they haven’t been contaminated with your competitor’s insurance offerings, propaganda and promises. Avoiding competition is truly important in any medium. It’s tough to beat a thousand other offers.

If a thousand advertising leads are worth $50,000 then organic SEO and content development have to be worth it. You can do a lot with 50 grand. Consider moving your ad budget to SEO. It will even help your Adwords/Facebook advertising effectiveness because being visible in organic gives your ads instant credibility — that your company belongs there and hasn’t just bought its way in.

SEO is great in that your branding gets a boost from being associated with important keyword phrases (e.g., los angeles car insurance quote) and thus becomes more significant and relevant to car insurance shoppers.  It keeps on producing for free for a long time, and forever if you keep me working on your website and social media pages.

Let’s get started with your SEO and Content Development Campaign. I want to make your company epic!

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Why SEO is Still the King of Digital Marketing

Customers Looking for Your Product/Service

SMB owners have 3 key digital marketing vehicles to generate new traffic and sales prospects: Social, PPC, or SEO. SEO doesn’t have the ongoing costs like PPC does. Searchers click on the natural search listings and you aren’t charged a penny. SEO has the reputation of zero cost, high revenue, however it does have a cost. It’s an equity investment cost that creates excellent returns over and over.

When you compete in SEO, it necessitates competing in content and conversion strategy. SEO traffic is the truest indicator of customer attitudes and preference. That’s excellent feedback.  Optimization isn’t just keyword manipulation then, it’s optimizing the whole process of converting these excellent prospects are actively seeking solutions.



Discover the Top 12 Factors for creating top rankings and big traffic.

ROI is difficult to measure and very often SEO isn’t given credit for the full value it generates. You’ll find your direct traffic increases along with your Google referals.  Google doesn’t track referals very well, but we know most direct visits are actually Google visitors.  Despite that, a few surveys show marketers do believe SEO underpins their success.  When you consider the lifetime value that SEO produces, it is clearly a great part of any sustainable marketing effort.

Kiss Metrics conducted a study and this graphic shows that sales are attributable over a certain time period. Tracking over many years is more difficult because tracking cookies get deleted. A top notch tracking system lets them track revenue back to the keyword phrases typed in by customers.

KM-Revenue-Search-Terms

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Why is SEO Considered Most Impactful to Sales?

bottlePeople search when they’re highly motivated and interested. Google searchers feel they’re being given the best sources for information and products and they’re on track to fulfillment. What Google knows is that search is like selling a bottle of water to a desperate, thirsty man in the desert – at the right time and place to get the best price. SEO is responsible for getting products/services exposed at the specific time customers most want to see them.

Think of how Coca Cola is everywhere to quench our thirst. This post describes how SEO is key to an omnipresence strategy that increases the value of PPC and social media.

Speaking of omnipresence, my national hotel client needed help with Google local rankings and in regular organic search rankings. I lifted their Google traffic from 1.2. million visits per year to 2.5 million visits.  And I didn’t ask them to divert funds from their PPC campaign to organic search. I regret not being more assertive when in fact, my plan would have created much more benefit for them. Yet, no need to regret. They received incredible value for what they spent and as well, gave their competitors maximum hardship.

More than Keywords: SEO + Content Supercharges your Digital Marketing

In B2B marketing SEO is by far the most efficient from of promotion. To not do SEO is leaving a lot on the table.  And by encouraging interesting and relevant content, SEO actually improves the performance of social media leads and ppc advertising leads. The spirit of SEO is an important driver in healthy digital marketing. PPC has no soul.

Google recently made some changes to Adwords because sales conversion has plummeted. They recently launched their band aid program called “smart goals” to help customers improve their poor conversion rates. The bigger problem is that PPC is a cheapskate’s ad tool. Adwords is all about getting something you didn’t deserve, and all too often the ads aren’t relevant. The top issue now is that advertisers have no money left for high quality engagement and conversion. It’s all down to a single minimalist landing page. Similarly, advertisers avoid social media as well.  Now they’re stuck in PPC Hell.

That’s why doing PPC, email, SEO, and Social Media together in an integrated or Omnichannel strategy works best. Each channel supports the others and is able to create a variety of touchpoints with prospects in any industry.

Building more useful, relevant, engaging, and sharable content helps support your outreach and link building efforts. If you rely on one channel (e.g. Adwords) you won’t generate enough natural touchpoints with customers. Especially in B2B where purchase cycles are longer and highly involved, these multiple channels keep your company top of mind. And they give prospects multiple angles on your business. If your UVP message and branding is consistent, omnichannel can really make a strong impression. Omnichannel is where successful companies are headed. If you’re not there, you may be drowned out in all channels.

The Searcher Likes the Organic Search Experience

A search is a quest or an exciting adventure to find satisfaction. Searchers enjoy the control that Google organic search provides which other media don’t provide. SEO can lead to so many sources of satisfaction including a trip into social media. As a business serving customers, you should have very relevant, high quality content since it’s the essence of their search, whether it’s new home floorplans, neighborhood profiles, or maybe a retirement home in Central America and the medical services available there.

ppcpricesTake a look at these Google Adwords PPC per click prices on insurance related keyword phrases. The most expensive keyword phrase is mesothelioma lawyer at nearly $300 per click.

Even if your clicks cost $5 and you convert 1% to a sale, your cost is $500 per customer acquisition.  1% is an excellent conversion rate for most sites with a good value proposition.  Yet conversion rates are falling because consumers are shopping around for the solution that matches them best.  Your prospects have more options even if those options are a fool’s paradise. Your plan now has to be about getting them back after they’ve been brainwashed and misinformed by 10 other competitors.

 

SEO is Complex

SEO is a process of creating and shaping content on your website, blog, or social media pages which Google will deem useful to searchers.

It’s also an active process of engaging with other web publishers and encouraging them to share your content.  Good Value + Distribution + Persuasion = Viral Success. I have to tell you though that you can go viral without any SEO success.

8 Keys to SEO Success

  1. Seek deep, thorough customer research – customer pains, UVP, and web analytic insights. An SEO must understand the company’s marketing goals, UVP, branding, target customer, industry dynamics, and how targeted customers can be reached and engaged.
  2. Do Thorough accurate useful keyword research – discovering relevant keywords and keyphrases to target. This is normally done via Google keyword tool and SEMrush keyword tool and Google analystics. Keywords, related words, and topical themes are woven into content in a sophisticated way (in headings, in links, near links, and in how paragraphs are constructed) and the messaging used determines how other web publishers will provide links and citations about your company. It’s all in the SEO’s hands.
  3. Create Imaginative, fresh content – this is where plenty of reading, web surfing, social surfing, and brainstorming exercises come in. Your SEO needs freedom to explore, surf and opportunities to connect with influencers.  An SEO/content developer needs to be active and a big consumer of content themselves.animated
  4. Well Planned Content infrastructure –  Googlebot, which is Google’s anxiety causing indexing robot actually experiences your content too. How it navigates and understands your content and its quality is solved with a well planned layout of themed content.  Your content is for users, but you need to recognize how a robot interprets what it collects. A subtle but expert optimization gives Google the right picture but also avoids spam filters. Moderation is important but don’t shy away from pushing the envelope. The key is whether Google trusts your site. If trust is good, you can optimize all you like.
  5. Integrated social media engagement – Although most businesses only utilize two or three social channels, they must coordinate social messages to capture attention, bring engagement to critical mass and then encourage an action. This is where understanding the customer’s emotions and how to appeal to them is important. If social visitors like your content, they will share it, and that creates more valuable inbound links to your site.
  6. Mobile consumption –  B2B and B2C customers are using smartphones and tablets more frequently. Mobile content is delivered differently because of the limited bandwidth and customer attention. No one reads long on their phone, so mobile content must be brief, fast loading and impactful. Being mobile friendly isn’t enough. Google is watching whether your site sucks for mobile users and your rankings will fall if users aren’t engaged with the content or leave fast.
  7. Aggressive outreach campaigns – Google is dependent on inbound links to determine trustworthiness and keyword relevance. Web publishers and bloggers and tweeters aren’t necessarily motivated to say anything about your product/service/company or link to your web site. A campaign of connecting with them, especially key influencers, and engaging with them can generate big ranking and traffic results. And, they will want valuable, helpful, popular content to share and promote, so your content developers must create fascinating, compelling copy, stories, graphics, videos and comments that impel them to share it online. It is other people who make your business successful and outreach makes you appreciate that fact.

The success of SEO usually comes out of good knowledge of your customer and a desire to create good content experiences for them. Google will recognize when your content is “HOT” and whether you are converting those visits to sales.  Heck, they can see everything.  Forget about cheap PPC and email tricks and put an honest effort into SEO. I’ts the only approach that’s sustainable.

These 7 essentials of SEO help you understand what really still is the core of omnichannel marketing.  SEO is still a dominant channel for any digital marketing strategist. Contact me if you’re a mortgage agent, insurance broker, or lawyer. I can connect you to leads.

 

A much desirable alternative to hiring an agency or in-house college grad, is to hire a dedicated digital marketing strategist from Toronto Canada. As an 18 year veteran digital marketer, I offer the best possible digital marketing advice and have consulted with companies in Los Angeles, Boston, Vancouver, San Diego, Dallas, Denver, and Phoenix.  I can help you compete head to head with realtor.com, homes.com and remax.com. As an experienced and versatile digital marketer, I can help build your knowledge of SEO, Social Media, and content marketing. I build impressive, qualified traffic via high quality, relevant content and outreach strategies. Let’s get started!