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Denver, hoping to be a national leader in reducing the emissions that many have called responsible for global warming, is initiating a comprehensive plan that will cover not only gas emissions, but also promote alternative energy, recycling, and energy conservation.

According to the Rocky Mountain News, the goal is to carve carbon dioxide emissions in an amount equivalent to removing 500,000 cars from the road.

While some parts of the idea may be popular, the News says there are parts that may be controversial: fines on heavy users of energy, and automobile insurance premiums based on miles traveled. The plan, which will be at the center of Denver Mayor John Hickenlooper’s campaign for a second term, is the result of several months of meetings between business and community groups and city planners. One driving force behind the “climate action plan,” was the fear that increased global warming could put Colorado at risk of more droughts and forest fires.

Elements of the view, according to the News, include energy efficiency standards for new home and older homes; incentives for carpools and for the exercise of fuel efficient hybrid cars; encouraging recycling and charging residents for the trash they throw away; as well as the fines on heavy users of energy and insurance premiums tied to miles traveled.

Other Colorado cities have already worked to reduce the amount of trash that ends up in landfills, the source of methane gas which is seen as contributing to global warming. Fort Collins, for example, estimates that its plan-charging for trash disposed of rather than recycled-has led to 30% of the trash being recycled compared to the time prior to the original plan. The city’s ultimate goal is to see 50% of the trash being recycled.

There have been some dramatic results, according to Susie Gordon, an environmental planner for Fort Collins. As she told the News, “The most considerable difference is that you used to see people with 15 bags of lawn clippings on the street; you don’t see that anymore.”

Some Denver citizens have adopted a wait-and-see attitude. One is City Councilwoman, Jeanne Faatz, who told the News, “I want to hear more about how they inquire this to play out. When government mandates the stick on private industry it concerns me. I’m not sure you have to manipulate markets to bring about desired results.”

Denver joins other cities that are committed to reducing greenhouse gas emissions, including Seattle, Portland and Chicago. As the News reports, more than 525 mayors, including Denver’s Hickenlooper, have signed an agreement pledging themselves to gash emissions by 2012.

Sources:

Rocky Mountain News, Denver targets global warming, www.rockymountainnews.com/drmn/local/article/0,1299,DRMN_15_5580343,00.html

www.drudgereport.com/

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When you are shopping around for auto insurance you want to obtain clear you get the best value for the price, so you will want to gather quotes from different auto insurance companies. You can get free auto quotes from many different auto insurance carriers. These are the best ways to get free quotes for your auto insurance policy.

One of the best ways to get a free auto insurance quote is online. When you shop for free auto insurance quotes online you will not need to talk to anybody from the insurance company unless you want to. You will need to provide some basic information about you and your car. If you are disturbed about providing your personal information online invent definite the auto insurance website is a secure website.

You will begin by filling out a form asking several questions about you and your car. First they will ask basic information about your car including the make, model, and year. Then they will want some information about you and your driving habits, providing your driver’s license number or your social security number is optional, but will help you get a more accurate quote. That’s all there is to it, you will then either get an instant auto insurance quote, or the company will send you a quote by email.

Getting free auto insurance quotes is important because it lets you compare not just the prices, but the actual insurance rates and services provided. Once you have your insurance quote you can decide which policy is best for you based on the price and the type of insurance provided.

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In a world in which human laziness is accepted probably great more than it should be, there comes a need for direction. Ever since the beginning of time, all people have been motivated. Motivated to succeed, motivated to conquer, and motivated to be the absolute best. But what is this thing we call motivation? Schermerhorn defines motivation as “accounting for the level, direction, and persistence of effort expended at work” (Schermerhorn 2005). Although people (and most employees in general) don’t enjoy being commanded to perform certain tasks by another person or persons, managers are crucial to the motivational end of any business or corporation. It has been in my experience that when I’m employed by an organization and the manager(s) is uninvolved with the day to day activities of his or her employees, my co-workers and I will consistently fall accustomed to being unproductive. A manager who leads through motivation does so by creating an environment under which other people are always encouraged to work hard, and feel friendly about doing so. George Zimmer, founder of Men’s Warehouse, was once quoted stating this about motivation: “when people feel connected to something with a purpose greater than themselves, it inspires them to reach for levels they might not otherwise obtain” (IBID). To achieve substantially and consistent high-performance, a workforce must be highly motivated.

Communication

One of the most important elements of motivation is communication. Without communication within the workplace, virtually nothing will be accomplished. This aspect of motivation is one that stems all the way back to the hiring process of each employee. During this process, it is best for managers to explain rules and regulations and ask as many questions as possible before choosing to hire that sure applicant. Colorful a person’s social background and their interests is crucial, as a manager shouldn’t hire a potential drug dealer or compulsive gambler.

Developing feedback from employees is also plays a very critical role in motivation, and also falls under the category of communication. It’s essential to know what counts and to what degree by asking yourself, “are safe and at-risk behaviors discussed regularly – on the spot, as soon as they occur? ” (Johnson 2005). “Performance is enhanced when people know what they’re doing well and where they can improve” (Jerus 2003). Through surveys, meetings, or some other type of input gathering situation, one can properly obtain feedback. Identifying one’s desires and needs will wait on managers figure out the best ways to motivate their employees through different incentives. Feedback should be timely, accurate and comprehensive. While negative input is important, the positive must be assessed as well.

Motivational Incentives

Promising promotions and raises provides incentives for employees to work harder and increase productivity. The promise to promote an individual to a higher place within their company will usually push that employee to perform at a higher level than previously seen from them before. “Without the aspect of individual promotions or raises, employees really do not feel that it is necessary to perform at a higher level than someone else in the company” (Chang 2005). This is true at my place of work, Washington Lake Park. All employees under managerial levels work for the same wage, regardless of how efficient one is. For example, a coworker of mine and I may work to our very hardest while another coworker of mine will sit in the office for their entire duration of their shift, and yet all of us will be paid exactly the same salary. In a situation such as this, no motivation is provided for employees to work to their fullest potential.

Another type of incentive for employers to provide stems help to the hiring process. During the hiring process, managers may tell prospective new hires that they will soon receive a raise after a definite time period. “This method makes workers try as hard as possible to retain their positions, almost locking these people in” (Jerus 2003). Although it seems to be a completely bulletproof type of incentive, it also has its problems. A few years ago, I worked for a company called Amazon Café, an upcoming restaurant chain that provides many healthy alternatives to fast food. Upon being interviewed, I was told immediately that after a three-month period, I would receive a fifty-cent raise on top of what my starting salary. It occurred to me then that I would only have to force myself to please my managers to only the minimum to hold my station and still acquire the raise I was promised. Also, there was no need for me to compete with the rest of my coworkers. This is why this method is not always the best motivation technique in the workplace.

It’s becoming a very celebrated trend for many college graduates with a bachelor’s degree to continue their formal education by completing a master’s or doctoral program in their field of study. Often times, these employees will find themselves stuck because they are financially unable to pay for the required courses. This is where their company’s management steps in. If a company feels that an employee is a critical part of their team, it’s common for that company to compensate that employee to further his or her education, ultimately helping the company in the long urge. This process is a motivational incentive called “tuition reimbursement” (Ayers 2005), under which most companies will provide if these employees are achieving a ‘C’ GPA or higher. Among the biggest users are the hotel industry, business services industry (i.e. accounting/management consulting firms), and retail/wholesale trade. Those industries that offer the lowest levels of tuition reimbursement include food and tobacco, textile and apparel, lumber and paper, and printing and publishing.

One interesting incentive method old-fashioned by many companies, including world-renowned coffee blender Starbucks, is the stock option. A stock option “gives the option holder the right to buy shares of stock at a future date at a fixed price” (Schermerhorn 2005). This links ownership directly with performance, since employees holding stock options will almost always be motivated to work hard to raise the price of the company’s stock. Starbucks is one of the first companies across the globe to start using this method for its lowest-level employees. Most firms will only provide this option to the highest-ranking senior members of the company.

Stock options are one form of what are called employee fringe benefits. As defined by Schermerhorn, fringe benefits are “nonwage or nonsalary forms of compensation” (IBID). Four reasons to have employee benefits are: “to attract and hold sterling people, to preserve up with competition, to foster generous morale, and to keep employment channels open by providing opportunities for advancement and promotion as older workers retire” (King 2005). Aside from stock options, other types of employee benefits include health and dental insurance, an automobile provided by the company, childcare, disability benefits and more. For many employers, a benefit plan is an important part of total compensation, because employers either pay the entire cost of a befriend plan or have employees contribute a small portion of costs for their coverage. Many employees will continue to work for their company for the sole reason that the benefits are good, even if they’re not ecstatic with his or her current position.

More than just a nice gesture, the process of rewarding employees is an effective way to drive performance and reinforce the behaviors that help your company meet its objectives. There are two forms of rewards. The first form is internal, called intrinsic, which “are the good feelings that come from accomplishing something” (Jerus 2003). While the employee receives these kinds of rewards, managers need to communicate to their employees just how important they are. These are usually the best form of rewards for boosting morale within the workplace. Extrinsic rewards “are externally administered, and are provided by someone else” (Schermerhorn 2005). Bonuses, paid vacation time, improved status and security, free coffee breaks or lunches provided by the company, or the potential of a pay raise are all examples of extrinsic rewards. Some theorists, including Frederick Herzberg, argued that “extrinsic rewards are only hygiene factors, as they neither motivate nor de-motivate” (Ayers 2005). Of course, this does not apply to all people, but the theory is simple in its meaning: intrinsic rewards are more rewarding to people as humans because they affect them for a long period of time, and extrinsic rewards are in the long accelerate less rewarding because they are simply material. But, all people are different, so Herzberg’s theory may not apply in all cases.

Incentive Pay

Commission pay is also a great form of incentive. It’s one of many forms of what is called “incentive pay,” as it is a “payment made to employees based on the value of sales achieved” (Chang 2004). The main advantage of commission from an employee’s point of view is that it enables high performing sales people to accept large amounts, while the main advantage from an employer’s point of view is that the cost of wage expenses is equivalent to the value of business achieved rather than just the amount produced. This form of incentive pay is fairly common in gigantic retail stores such as Sears, Boscov’s, etc. Unfortunately, commission payment also has its drawbacks. According to Dave Johnson,

the biggest problems with commission payment include sales people who cut corners, high commission earnings enjoyed by some of the sales team may be resented elsewhere in the business, and it is difficult to change what proves to be an over-generous commission structure without upsetting and demoralizing the sales team” (Johnson 2005).
Although it has its downsides, commission pay is still a very popular means of motivating employees to work their very hardest.

An alternative but increasingly popular style of incentive pay is the skills-based pay system. Skills-based pay “provides pay raises for years of experience, education units and university degrees” (King 2005). These variables are indirect indicators of knowledge and skills. Under this system, an employee with more education units and more experience in their state of work is assumed to have developed a greater professional expertise. It’s a new wave of motivational incentive that’s sweeping companies gargantuan and small all over the country, including companies such as Best Choose and Federal Express. This type of incentive is crucial in work environments in which knowledge is constantly being updated and new products and services are frequently being produced. In my past experience with Best Select, most of the learning that I received followed by a system such as this, in which we (associates) were tested almost daily on new technological information. Unfortunately, I wasn’t so lucky enough to ever receive promotions or raises for completing these tests. At Fed Ex, “test scores are incorporated into the employee’s performance appraisals, and pay can be increased for employees scoring high” (Schermerhorn 2005). Although I was given no raise for completion of any of those tests, I unexcited felt better about myself knowing that I wasn’t as ‘left in the dark’ anymore after taking them.

Competition in the workplace can gain for a stressful environment, but will usually make for a very productive environment. “Human beings are competitive by nature, and this also applies to the workplace because we know we won’t win anywhere with someone else always outshining us” (Different Strokes 2005). When employees see their coworkers receiving raises, promotions and rewards for luminous at work, they too will most likely feel it necessary to do whatever it takes to match whatever those coworkers are doing.

Not all motivation has to be positive. In fact, it’s sometimes more beneficial as a manager to instill some kind of fear or instability within the hearts of their employees. Punishment is “the use of an aversive unpleasant consequence following behavior, with the intention of reducing its frequency” (Chang 2004). It can pick many forms such as; criticism, reprimands, extra work, demotion or even corporal punishment for more terrible acts of unwanted behavior. “In an extreme space where an employee’s behavior is personally dangerous or excessively disruptive to the workplace, punishment may be well-known to suppress poor behavior in the short term” (Ayers 2005). However, this can be a dangerous course upon which to embark. Persistent punishment is likely to evoke dislike of the manager and the rest of the corporate environment, which in turn can lead to a withdrawal of co-operation, contribution to work accomplished or even attendance. Thus the employee fails to become an active participator. Punishment can only serve in stopping a bad behavior, never starting good one.

Morale and De-motivation

While it may be an effective means of motivation, the employ of too grand negative reinforcement in the workplace can cause depreciation in the value of workers’ morale. Employees are human beings, and as some may be more sensitive than others, they all have feelings and limits to those feelings which can only sustain a certain amount of criticism and hurt. The concept is simple – if morale is high, employees will enjoy coming to work and performing at an appropriate pace but if it is low, just the opposite will occur. “Absenteeism, humdrum performance levels, and neglect for getting things done on time are all very possible outcomes for low morale” (Johnson 2005). Keeping morale high is absolutely a key element to motivating employees. Design a positive, high morale work environment for employees that enable them to use their talents and skills.

Big-box store Best Recall is definitely an example of a company that needs to work on increasing employee morale. Of course, Best Buy does offer a stout stock option and a discount that’s absolutely mind-blowing, but nothing more than that would probably keep many employees around for more than a few months. During the short period of time that I worked for the group, I quickly discovered that not only would I have one manager to instruct me, but somewhere around five. Under the general manager of the store were four assistant managers, a manager of each department, and assistant managers to the manager of each department! Needless to say, any employee under the title of ‘associate’ such as myself was considered a serf and was treated no higher than that of an easily replaceable one. Therefore, I really never felt as though I wanted to go to work, as I was completely unmotivated and my level of morale was so coarse that I sometimes regarded Best Buy as my own personal ‘Hell on Earth.’ “If companies would just cease using this bad obtain of chain management and start enforcing head managers to focus more on employee well-being, they would be more likely to maintain valuable employees for a much elongated period of time” (Chang 2004). It’s a simple theory – profits are higher when morale is higher. Extreme morale is just one example of what’s called de-motivation.

De-motivation occurs when motivational factors are absent from the workplace. “Lack of incentives or unhappy conditions will drive any workforce out of the office and into another, sometimes regardless of employees’ salary” (Ayers 2005). Even if not highly educated, employees generally hope for some kind of psychological contract. If that is not fulfilled, serious unhappiness arises rapidly. Likewise, broken promises are guaranteed to de-motivate.

One way to analyze de-motivation is to refer to behavioral psychologist Abraham Maslow’s ‘Hierarchy of Needs’ theory. Diagrammed as a pyramidal chart, the Hierarchy of Needs explains in an ascending fashion how people need to be satisfied on five levels: physiological, safety, social, esteem, and self-actualization needs, respectively. Physiological, safety and social needs are considered “lower-order needs,” while like and self-actualization needs are regarded as “higher-order needs” (Schermerhorn 2005). Lower-order needs are desires for social and physical well-being, while the higher-order needs are desires for growth and psychological development. “According to Maslow, people try to satisfy the five needs in sequence. They progress step by step from the lowest level in the hierarchy up to the highest” (IBID). Based on the theory, once an employee has joyful all of these needs, he or she will operate more efficiently and managers will see an improvement in that employee’s morale.

Managers must understand that not every employee is the same. The fine boss understands this and assesses how he or she can accommodate each employee without disregarding fairness to other employees. Being respected in the workplace plays a very crucial role in heightening morale. For example, employees of foreign origin may celebrate different religious holidays than the majority of the rest of the employees and/or the manager. The importance of this must be recognized, as “distributing vacation time amongst other opportunities and benefits to these employees must be completely equivalent in comparison to what is distributed to other employees” (Johnson 2005). Once again, profits are higher when morale is higher.

Employee Engagement and Goal Setting

There is a theory that states that the leader is solely responsible for curious his or her workers and that the truly engaged employee is “one whose needs and values are aligned with their work and with their organization” (Ayers 2005). This theory is proposed by Keith A. Ayers of New York University. He argues that there are five steps to developing truly engaged employees. Firstly, one must build trust. Like most things, it does not happen fair because you’re trustworthy. People do not know how trustworthy you are until you expose it by using trust-building behaviors, as the most important behavior is trusting others. Secondly, managers must implement some sort of mentoring. “The relationship between the employee and his or her immediate manager is a critical factor in how engaged the employee will be, as employees need feedback” (IBID). Next, one must carefully use inclusion. Effective leaders know that everyone on their team has strengths, which are important for team to be successful. Fourthly, alignment is a necessary element because engaged employees feel aligned with their organizations’ purpose, values and vision. Finally, great leader focus a great deal of energy onto team development. Effective leaders ensure that all team members understand the strengths they and other members bring to the team and work on capitalizing all of these strengths. They focus on developing the leadership potential of each team member and ultimately implementing a shared approach

Your employees must be part of the goal setting process so that they will work towards the same goals that you are working toward. Your clients have to be curious enough, desperate enough, or thoughtful enough to commence and continue doing business with your company. “When they have a tremendous experience (and this is the key) with your company employees they will likely stay as long as you maintain giving them concise, educational information that will help them save money” (King 2005). Goals give direction to people in their lives, including everything from education, work, social interactions, etc. Also, they are a great procedure to establish a system of generating feedback and making the performance expectations between a subordinate and a manager distinct. “It may not always be possible to allow participation when selecting exactly which goals need to be pursued” (Schermerhorn 2005). Setting goals is a crucial part of motivating employees, as it gives them a sense of belonging and a desire to approach the “light at the end of the tunnel.”

Conclusion

Obviously, there are many forms of motivation. In this paper, I have examined various types such as effective communication, employee incentives including pay increases, promotions, benefits, stock options, commission, skills based pay, competition, negative motivation, engaging employees, and goal setting. The world’s best managers may spend some or all of these techniques. Motivation within the workplace fuels the fire in every employee’s soul. Creating and facilitating a workplace that supports motivation rewards the organization with higher personal and group productivity. It also enhances an employee’s work environment and increases the chances of retaining high-quality people for much longer periods of time. Most importantly, it is an integral part in the long-term growth, stability and success of any organization, and thus, is incumbent upon every manager to master these skills to the best of his or her ability. Effective motivators are not always leaders, but leaders are always effective motivators!

References

Schermerhorn, Management, 8th edition, John Wiley and Sons, 2005

Johnson, Dave. 25 ways to motivate employees & power profits. Ebscohost, Vol. 39, Number 5 (May 2005).

Jerus, Robert G. The Top Ten Creating Motivation at Work. Proquest/Coachville Publications (June 2003).

Chang, Emmui. Composite effects of extrinsic motivation on work effort. ScienceDirect Abstracts, Volume 38, Issue 1 (February 2004).

Ayers, Keith E. Leading the Way. ScienceDirect Abstracts, Vol. 52, Iss. 8 (Aug 2005).

King, Ruth. Real Employee and Client Motivation. Community Mental Health Journal, Volume 37, Number 4 (August 2005), pp. 347-358

Different Strokes For Different Folks. Ebscohost Vol. 34, Iss. 4 (Jul/Aug 2005).

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Social justice is the Leftist/Progressive code phrase for a fresh and never before imagined United States. It is political in it’s origins, no matter how much those who forward it claim otherwise! In closing my previous article I argued “[Progressives] are using a social justice concept to achieve a political outcome, but it’s not really about justice, now is it? ” Let’s examine this.

If “justice,” social or otherwise, is the goal of Progressives as they so often argue, then where is the justice for those of us who earn the money the Progressive movement wishes to confiscate from me in order to achieve their vision of “social justice” and “equality of outcome? “

How can taking from one who earned it and giving it to one who did not be any form of “social justice? ” Would anyone be surprised if I revealed that the familiar Liberal/Progressive term and bumper sticker, “No Justice, No Peace” is meant to be a threat as well as an admonishment? Anyone shocked by that revelation? Don’t be. As I opened this article with, “Social Justice” is a Progressive phrase used to bludgeon we non-Progressives with.

I maintain I can best note this whole article’s point with a direct quote from Saul Alinsky and his Rules for Radicals. In the opening paragraph of the book Alinsky writes, “What follows is for those who want to change the world from what it is to what they believe it should be. The Prince was written by Machiavelli for the Haves on how to hold power. Rules for Radicals is written for the Have-Nots on how to grasp it away.”(Wikipedia)

Can the reader peer the dovetailing of what I have thus far presented? The phrase about justice, and it’s indeed social justice they are addressing, and Alinsky’s points fit together like a hand and glove. Social justice is a tool to achieve a political end. Alinsky said outright “Rules for Radicals is written for the Have-Nots on how to take it [power] away.”(Wikipedia) This isn’t about the poor, the needy, or anything else they bawl as the laudable reasons for their agenda. As Alinsky states, this IS ABOUT POWER!

All this feigned pains for the have nots is bogus. It is employed by those wanting a different outcome than our nation was constituted to be. They will use any tool – lies, obfuscation, misdirection and any other weapon at their disposal – to achieve their goals. They truly adhere to “the ends justifies the means.” And based on Alinsky’s words clearly there is a political goal with regard to any phraseology that addresses justice as a component of peace.

Of course their point in the phrase is to invoke the impression that if we do not give them what they want, there will be NO peace. I mean, that is what the phrase says verbatim, moral? Methinks some real self-enamored folks think they are intimidating someone.

I ask rhetorically, do these folks actually think I will be cowed by their poking me with that amusing little stick? Anyone who reads my work knows Whippy does not like people messing with him. He especially hates it when people think they can manipulate him by cleaver turn of phrase and implication.

Or do they really mean the “no Justice, no Peace” mantra? If they do, oh boy-o-boy is this gonna be fun! Either it is a tool of intimidation, or it is a valid statement of intention – one or the other. And if it is a real statement of intention, then aren’t we really talking about violence and civil unrest? Are they really ready for the “violence and civil unrest” part? So, is this where I ask them, as my hero Cornholio asked, “Are you threatening me? “

To move this to a less personal level, do those forwarding the No Justice crap grasp, even remotely in the recesses of their brains, that there are tens of millions of Americans who will not tolerate this? We are very determined. Y’all wanna play rough, we’ll be glad to accommodate your wishes.

Take to the streets and play “Alinsky” for us. Bring your “community organizing” to our doorsteps. Hold up with the incessant denigration of our American patriotism and pride in such. Force your hand upon us. We welcome your efforts. We look forward to them. See, I know secrets many of you don’t.

Here’s a few for ya to dismiss because Whiplash is a big-mouthed blowhard: Every single day our tolerance for this lessens. Every day we grow more disgusted with what we see some wish to do to our nation. We tire of their pretending this is about those abominable have nots. We know this is about politics. We know this is the opposition using any and all methods they can lay their filthy little mitts upon to salvage what they want. And every day our numbers grow by leaps and bounds.

The only thing that goes wrong for them, those desirous of this Alinsky-type change, is that they under-estimate their quarry – that would be me and tens and tens of millions of other Americans who feel similar to the feelings I am expressing. These usurpers are clueless as to the hill they will need to climb to do what they want.

When it comes to peace and justice, I and multiple tens of millions of Americans do not adhere to the Alinsky vision of that concept. Instead we see it as an outright attack and attempt to destroy us and our nation and way of life. Do these usurpers think we are fools that will fair stand around, our hands buried deep in our pockets because we do not know how to respond? Wonderful luck with that.

The usurpers first mistake was trying to manipulate us. Their second mistake was to ever imply that their justice mantra had the weight of force behind it to “force” into reality that which they so desire. Their third mistake was to ever leave any impression that they can “make” us do what they want, and to intimate ‘no peace” as a tool for forcing us by implied violence to go along.

Based on Alinsky’s words there is no doubt as to what they favor and are seeking to employ Machiavellian methods to reach their ends, and they are intentionally using ambiguous language to force compliance.

Folks, this is a scream threat to this nation, its social structure and its longevity. It is implied, but it is clearly stated as well. How else can one interpret “No Justice, No Peace? ” If they do not get the “justice” they think is due, they will cause “peace” to go away, is all I can gather from the phrase. That’s a threat.

And to close, I will leave you with another passage from Wikipedia’s page on good ol’ Saul Alinsky, that great Commie Bastard…er, I mean American – “Alinsky’s teachings influenced Barack Obama in his early career as a community organizer on the far South Side of Chicago. Working for Gerald Kellman’s Developing Communities Project, Obama learned and taught Alinsky’s methods for community organizing.” (Wikipedia)

Sooooo …. who is the head honcho of all this nonsense? Ya got me – I haven’t a clue, and as the Lefties will tell ya, ol’ Whiplash is clueless.

SOURCES: http://en.wikipedia.org/wiki/Saul_Alinsky

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Once you’ve bought your car, it’s time to shop around for car insurance. You may ask why you need car insurance. You need car insurance not only because it’s the law, but car insurance protects you and your property, as well as others and their property.

To net the most affordable insurance rate you must shop around and compare policies. It will take some time to find the best coverage for you, at the lowest price.

Before you open comparing rates, find out your state’s just requirements for car insurance. States vary with the amount and type of coverage needed. To find the insurance rate that suits your needs, you need numerous quotes from multiple insurance carriers. When comparing rates and companies, make sure you are comparing and being quoted similar policies for similar insurance coverage.

The internet has made finding car insurance rates easier and faster. Most online insurance services will even provide you with free quotes, making it easier to pick up car insurance rates from multiple insurance carriers. Most of these sites simply ask you to enter the policy amount, the type of coverage, and the preferred deductible. It’s always a good idea to ask for several quotes with different criteria, check some with higher deductibles and some with lower liability. Compare the quotes for the price and coverage that matches your budget.

By taking the time to shop around and compare prices, you are sure to find a policy that will attach you money and give you the best coverage. Remember, the best car insurance can mean different things to different people. By shopping around, you will come by the best insurance rate and policy tailored to your needs.

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