Where Can I Buy Cheaper Auto Insurance?

Auto insurance has become an essential aspect of the modern world. It is no longer a big deal to buy a policy. Consumers have several options in terms of where to buy it. Oftentimes, insurance agents compel customers to buy worthless auto insurance policies. Therefore, buying it online avoids overexcited insurance agents, which is perhaps a wise decision.

These providers grant sufficient time to customers to compare different quotes. It helps consumers to make smart decisions. With online insurance, consumers don’t have to call countless agents. No longer do you have to cross your fingers until you find a reputable insurance agent. Online auto insurers procedures help consumers to avoid falling prey to sales tactics of insurance agents.

Some of the biggest Online Auto Insurer Sites:

Mentioned below are some websites that offer online policies:

  1. Geico: This is probably the most famous of the big auto insurers. It has become famous for its caveman and gecko (a play on the name Geico) themed ads. Like virtually all other companies these days they operate a website. There you can get quotes for your auto insurance needs.
  2. American International Group (AIG): AIG is a leading international insurance service organization. It comes under the category of top ranked auto insurers in the United States. Its official members write down various auto plans for institutional, commercial, and individual consumers. It has jurisdiction across the world with numerous distribution channels spread across 130 countries.
  3. 21st Century Insurance: 21st Century Insurance is the seventh largest auto insurance provider in California. It claims to have insured approximately 1.4 million vehicles. It is popular in California for providing personal motorcycle, automobile and umbrella coverage. It also offers services in Washington, Illinois, Arizona, Indiana, Ohio, and Nevada. 21st Century Insurance makes much of its business through referrals of present auto policyholders. Annually, the average renewal rate of present policyholder claims to be over 93%. In 2003, it recorded $1.219 billion in premiums, revenues contributed $1.246 billion, and assets accounted for $1.7 billion.
  4. Progressive Group of Companies: The Progressive Group stands third in the country for offering auto coverage to more than 12 million consumers. It uses latest technology and innovative schemes, to improve the consumer’s experience. Again, as with all the other companies mentioned they offer quote services and more information on their website.

Auto Insurance Broker and Sales People:

Consumers can also buy auto insurance policies from any auto insurer’s brokers or a sales people. According to law, it is essential for these sales people or brokers to have a license. By law, a sales person works for a particular company. They are accountable to provide information about different types of coverage offered by their company only.

Whereas, a licensed broker has the legal authority to sell policies of various auto insurance companies. According to their client’s budget, brokers help to choose the best deal.

However, these days you don’t even need to go to the trouble of consulting a broker since you can get all the same information online. In fact you can get quotes from all of the companies mentioned above and more simply by visiting one of the pages below.

Bella Mora International Group: New Skin Care Line Promotion and MLM Binary Compensation Plan Review

As the quest for the Fountain of Youth continues, The Bella Mora International Group has created a massive campaign to launch their new skin care product line. The Bella Mora International Group, based out of Tampa, Florida is selling its new line of beauty products based on a formula created by accident over 20 years ago by Dr. Bruce Miller.

With informative, upbeat web pages and conventions that have been going on all over the country, this MLM company is certainly creating buzz with it dynamic marketing strategies.The Bella Mora International Group is selling its revolutionary skin care line through a Multi-level marketing system with a patented Binary compensation plan. This plan was created by MLM pay plan designer, Rod Cook. The official launch date for the new product line is January 15, 2011.

How It Works:

Because this is an MLM company, there are different plans or levels by which you will be selling to meet your income needs. The company will be selling skin care system “packs.” They differ by content and price range, but the basic five piece skin care system is purchased from Bella Mora at $119.00 and sold retail for $199.99, for a profit of $80.00. Based on this system, if you were to sign one retail customer weekly, with an $80.00 profit for each customer, you would have a monthly income of $320.00.

There are other levels and other kits, as well as other income incentives. They have a very creative compensation plan, with bonuses for such things as signing customers on to the Automatic Delivery Program. However, selling to auto delivery customers might create a lower income potential, as you will be selling the $119.00 kit for $159.00. Having said that, after you sign three preferred customers onto the monthly auto delivery program, you will get a free kit each month. On its website Bella Mora expects that these customers will continue using this product, which “equals a secure monthly residual income for you!”

They do use a Binary MLM compensation plan, which will consist of two “legs.” While some people very much like the Binary compensation plan, some people do not find it the best way to go. You will need to be very certain that you understand this type of compensation plan and decide whether or not this will meet your income needs.


Bella Mora is offering training through DVDs and CDs. They have been offering free product samples for some months now to create an interest in the product prior to the official launch. They will have brochures and business cards for their independent consultants. The many levels of compensation are very clearly explained on their website.


Some of the bonuses offered are:

  • Fast Start Bonuses
  • Matching Income Bonuses
  • Leadership Bonus Pool
  • Luxury Dream Car Bonus (which can be worth up to $1,500.00 monthly)
  • Luxury Dream Home Bonus (which can be worth up to $3,000.00 monthly)

The new Bella Mora International Group has done a superb job of pre-launch marketing and creating buzz and excitement around their new product. This product does have potential. Billions of dollars are spent annually in this country on Beauty and skin care products. People are aggressively looking for ways to look younger and everyone wants to feel beautiful and glamorous. This will be a very lucrative and viable way to make money via the MLM system.

Although brochures and product samples certainly do well with the average consumer, in order to make this business reach its maximum income potential, independent consultants will need some marketing training. Getting to the millions of internet users in the most effective way to do this. Putting up a website and waiting for customers to come to you is not an efficient or effective way to market yourself online. It is imperative that you drive potential customers to your site to maximise your earnings, bonuses and commissions.

The Domestic Side of International Trade Negotiations

The politics of many international negotiations can usefully be conceived as a two-level game. At the national level, domestic groups pursue their interests by pressuring the government to adopt favorable policies and politicians seek power by constructing coalitions among these groups. At the international level, national governments seek to maximize their own ability to satisfy domestic pressures while minimizing the adverse consequences of foreign developments. Neither of the two games can be ignored by central decision-making so long as their countries remain interdependent, yet sovereign.

Robert Putnam, “Diplomacy and Domestic Politics: The Logic of Two-level Games,” International Organization 42:3 Summer 1988

Numerous governments have embraced the neoliberal economic ideology, in which the market determines economic growth and stability. As a result, countries are forging formal trade ties through free trade agreements. However, not everyone agrees that free trade provides mutual gains for countries or that the benefits of free trade outweigh the costs. For this reason, some domestic groups have called on national governments to intervene in the global economy to protect local production, consumers and workers. Domestic groups are doing the same in response to the current Trans-Pacific Partnership (TPP) trade negotiations.

The pressure that the governments of the TPP member countries face both at home and with their international counterparts reflects the two level game aspect of international negotiations, highlighted by Harvard professor Robert Putnam. In other words, free trade negotiations are not only between countries. Rather, they also take place between the national government and its domestic constituents.

In the case of the TPP negotiations, various domestic interest groups work to insert their voice into free trade negotiations even though they cannot sit at the actual bargaining table.

U.S., Japan, Autos and Food

As the 18th round of TPP negotiations took place in July, U.S. automakers demanded that Japan offer serious concessions. This was the first round of negotiations for Japan since it officially joined the TPP trade talks in March. Chrysler, Ford and General Motors voiced their concerns about Japan manipulating its currency so that its automobiles are less expensive in the global market.

Additionally, U.S. automakers have been concerned about Japan’s closed market. Although Japan does not place tariffs on car imports, it places a 2,000 unit cap on these imports. As a result, in 2011, Japan exported $41 billion worth of auto products to the United States compared to only $1.5 billion worth of U.S. exports of auto products to Japan. On the other hand, the United States has import tariffs of 2.5% for cars and 25% for trucks.

The Japanese government also faces domestic pressures as it negotiates the TPP. Japanese farmers and consumers are concerned that opening Japan’s agricultural market will lead to an influx of food imports. Increased food imports may threaten domestic producers and food safety, according to the same two aforementioned groups.

US, Vietnam, Labor and Human Rights

Several U.S. interest groups have called on President Barack Obama to end trade talks with Vietnam, another country that is a part of the TPP negotiations. It is important to keep in mind that free trade agreements are not just about tariffs but also issues such as freedom of association, environmental standards and good governance.

The Teamsters, Citizen Trade Coalition and Human Rights Watch share their concern about Vietnam’s record in terms of labor rights and the protection of those who criticize the government. The criticism of Vietnam follows on the heels of a May 2013 report published by the Worker Rights Consortium. The report highlights a number of labor violations in Vietnam.

Notably, free trade agreements consist of labor provisions. The degree to which labor standards in existing free trade agreements are effective remain under scrutiny. Without much public data about the TPP negotiations, it is difficult to assess what is being discussed pertaining to labor rights for all member countries.

The Take Away

Free trade agreements are not just negotiated between countries. Rather, pressure from domestic groups, must also be taken into account. Domestic groups may not influence the specific rules within the free trade agreement. Yet, they can influence the agenda to emphasize labor and environmental regulations. Domestic groups can also play a key role at the state level to influence their U.S. Congress representatives and senators to either support, stall or outright vote against a free trade agreement. The U.S. Congress’ ability to vote against free trade agreements once they have been signed make negotiations between the White House and the U.S. Congress just as important. One such example was that of the interaction between President Obama and members of the U.S. Congress regarding the approval of the long-stalled free trade agreements with Colombia, Panama and South Korea.

Former US Trade Representative Ron Kirk’s statement in an interview sums up the two level game idea nicely:

As much as I enjoyed representing the United States around the world, if we were going to be moving forward with an aggressive trade agenda, we’re going to have to not just go to Geneva, Paris and Beijing and Africa; we were going to have to go to places like Detroit and Pittsburgh and Maine.