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Have you ever thought about the sales evolution? How do we weed out the folks who don t want to do business with us and those who will do business with us?

I place them in categories and try and get them to change their category. Here is what I mean.

Names: These are just that, names. You can buy a list or go down the phone book, it is all the same.

Suspects: How are these different than names? Suspects are names in which something is known about them. Where do they work? How many children, married, etc? Once you have a piece of information about names they then can be classified as suspects.

Prospects: A prospect is someone you have met and you are provided with additional information. Work, family, goals, available assets, insurance are some of the topics you would be able to expand in a relationship to move a suspect to a prospect.

How do you move a name to a suspect to a prospect? You do so with human contact and by beginning to build a relationship with t (more...)

Nowadays, auto insurance is really expensive. A typical insurance policy can cost a few hundred dollars to a few thousand dollars a year. And the insurance rates you pay are hugely dependent on the insurance company or agent, your age, your car type, your driving record, and even the area you reside in!

You should never go without auto insurance though, despite the costs. Almost all the states require you to protect yourself with a minimum amount of liability coverage. Naturally, the bare minimum is not adequate enough for the average car owner. And as you add in additional coverage for your car, you realize that you will be paying a fairly large sum annually.

So, understanding auto insurance can actually help you to decide on a suitable insurance policy that won t vacuum clean your wallet! Here, we have gathered 10 of the best tips for lowering your auto insurance, by as much as 40%!

Always compare insurance policies. There are states which regulate auto insurance rates, but the insu (more...)