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Post in Real estate, Google, Advertising, Online advertising, San Jose Mercury, Media, Newspapers, Buyer and seller tips, For sellers, San Francisco Chronicle, Disclosures, Preparing a home, San Francisco, Potrero Hill, Yahoo, MSN 6 Comments
Bob and Betty Buy a Home (Part 2): We See Some Homes, But Bob and Betty Get Spooked
Kevin Boer, Realtor, Alain Pinel Realtors March 29th, 2007
Let’s continue the saga of Bob and Betty, our hypothetical first-time home buyers who were introduced in the first of a series of articles I’ll be writing.
We met at 9am sharp on Saturday morning at my broker’s office in downtown Palo Alto. Though it’s easier to view homes with clients during open house times, I prefer to do first time tours when nobody else is around.
I had an ambitious tour planned: 12 homes in 4 towns along the 101 corridor. Always exhausting for everybody involved — every time I do this I have more liking for the part of the Redfin business model where clients do this bit themselves! — but nonetheless an important part of the whole process.
While driving, I pointed out important things about the neighborhoods we were in: The typical types of homes, the price ranges, which school district it belonged to, whether it was unincorporated or not, whether it was in a flood zone, where the nearest parks and public services were. I asked them to comment on what they liked and didn’t like in each neighborhood.
At each home we went through the same process, slowly at the first couple of homes, and then more quickly. “What did you like? What did you not like? What did you think of that kitchen? Do you like skylights? Fireplaces?”
By the 5th home I’m usually able to “get it” about what clients are looking for, and with this new knowledge, I crossed out 3 of the remaining 7 homes we had to see.
Suitably tired, we pulled back up to the office around 1pm to review what we had seen, what they had liked, and what they had not liked. I explained the next bit of the process: getting pre-approved. I’m happy to spend a few hours as a sort of “interview” with prospective buying clients, but before I invest too much more, I need them to put some skin in the game too by getting pre-approved. I generally find that if they’re not ready to dig up their financial records and go talk to a mortgage broker, then most likely they’re not ready quite yet to buy a home.
Betty was quite excited about three of the homes we had seen, but it was clear that Bob was losing interest pretty quickly. “Yeah…but nine hundred thousand dollars?” was his most common refrain.
We pressed in on that. Bob had been doing his homework the last week and pulled out all the discouraging figures he had found. Housing starts are down. Interest rates are up. Affordability is down. Condo developments in Las Vegas and Miami are being cancelled. How in the world could prices stay where they are here?
Prices in the Bay Area are indeed a pretty head-scratching discussion topic as they continue to defy gravity, pessimism, and seemingly the laws of economics year after year. I told them bluntly that neither I nor anybody else could guarantee anything about prices here. It is indeed possible that prices could collapse…by 40%…overnight…immediately after they bought a place. Possible? Yes. Probable? No.
I pulled up my secret weapon, Google Earth, on the flat screen wall monitor in the conference room. I zoomed in on the Peninsula and asked two questions: 1) How much land is technically available to build on? 2) How much land is actually available to build on.
The answer to the first question is: tons! From the Bay going west pretty much to Highway 280, nearly every square inch of land is already filled in. From the 280 west to the ocean, there are only a smattering of towns, like Half Moon Bay, Pescadero, and La Honda. The mountains make it difficult to build in that area, but we could certainly fit several hundred thousand more homes there.
However…it ain’t gonna happen! Most of that land is owned and/or protected by Federal, State, County, or City governments, private trusts, conservatorships, parks, and so forth, and not much building is going on.
If you can’t go West, then you have to use the Manhattan strategy: go up. Again, that ain’t gonna happen. San Francisco and San Jose have modest but growing skylines of high-rise buildings, but in between it’s rare to find any structure taller than 8 or 10 stories, and for the most part it’s only up to 3 stories tall. Those zoning restrictions aren’t going to be changing any time soon.
Essentially, 50% of the classic economic supply/demand equation is pretty much fixed, so the real question is what will happen with demand?
Again, at least for the short and medium term, the answer to that is pretty clear: demand is, and will likely remain, robust. Google and other local tech companies are doing well. Venture capitalists are pulling out their wallets again. Start-up nirvana 2.0 is here. Immigrants from across the country, and indeed the whole world, continue to move here.
So, could prices fall by 40% overnight? Absolutely! But in the only scenario I can come up with in which that happens — a scenario which involves an earthquake, a terrorist attack, and bankruptcies of the top 5 tech employers in the area…all within 3 months of eachother — falling equity may not even make the top 10 list of concerns for many people.
We parted company, and they promised to get back to me within a few days about whether they were ready to proceed. I had my doubts, mostly about Bob.
Sure enough, a few days later I got a phone call from him. “We’ve decided to wait it out,” he said. “We’re just a bit nervous about these prices, and we’re not in a big hurry to buy.”
We agreed to keep in touch every few weeks and see how things developed.Welcome to real estate in the Bay Area. Prices are high, and you need a certain amount of faith and intestinal fortitude to dive in for the first time.
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And Redfin wonders why some traditional real estate agents are, um, “hostile”?
Kevin Boer, Realtor, Alain Pinel Realtors December 28th, 2006
This just in from the “Google Adwords” crazy advertising department…
Do a search on Google for the phrase “Redfin Reality” and the only sponsored link you get is this one:
“The site Realtors don’t want you to see?” Now that’s a way to spread the love…
Glenn Kelman has just got to stop the complaining about the attitude of traditional agents towards Redfin as long as they’re doing this sort of thing. He can either
a) Position himself as being against the traditional industryorb) Expect the traditional industry to embrace him with open arms…but not both.
Mind you, I don’t think there’s anything wrong with the ad. In fact, I think it’s pretty clever, actually, and a great way to hook in the type of client Redfin wants, namely those who don’t have much good to say about the traditional industry. But it’s pretty disingenuous for Redfin to complain to complain about not being loved while simultaneously being somewhat, um, hostile itself.
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Changing the way we think about Zillow: It’s a media company, not a home valuation site
Kevin Boer, Realtor, Alain Pinel Realtors December 22nd, 2006
Ok, class, today’s quiz has two true/false questions. No copying!
Zillow is like Cyberhomes
Zillow is like NBC
Time’s up…here are the answers:

So, how’d you do?
Much of the criticism of Zillow centers on the fact that its estimates are not the last word in accuracy, and in many cases can be far off. If Zillow were, in fact, strictly a home valuation site a la Fidelity’s Cyberhomes, that would be a pretty damning indictment. Zillow’s only hope would be to consistently have the best, most accurate estimates in the business, and Cyberhomes would arguably have a better platform to achieve that, since its affiliation with Fidelity gives it access to more data, more accurate data, and more timely data.
These criticisms are valid, but they simultaneously miss both a relatively minor and a crucial point, both of which can be illustrated by another analogy, this one between Zillow and Google, arguably the best known online media company.
100% accuracy simply isn’t possible: When you type in a search on Google for, say, “Radish recipes,” what you typically get is a “good enough” set of search results to help you find the content you want. It’s an amazing testament to the brilliance of Google’s search algorithm engineers how often within the first page of results you find what you’re looking for. Sometimes, however, the answer isn’t on the first page…or the second or the third…or it simply isn’t found on Google. Somewhere out there on the Internet is the answer, but Google hasn’t found it or classified it or interpreted it correctly for your particular needs. A computer algorithm, however sophisticated, simply can’t always give the right or best answer. Similarly with Zillow, what you often get is a “good enough” estimate. The home’s true value might be $400,000, but Zillow might say $370,000 or $440,000. For many purposes, that’s a “good enough” answer for people to keep coming back, and when they need a more accurate answer — say, they’re planning on selling their home — they bring in an appraiser or a Realtor to give a more accurate estimate. As with Google’s search, sometimes the Zillow answer is way off. As frustrating as that is, it’s just the nature of the beast: A computer algorithm, however sophisticated, simply can’t always give the right or best answer…no matter how smart the engineers, no matter how many data points, no matter how powerful the computer.
Successful media companies are all about content and entertainment Google monetizes its search pages by selling relevant ads — just like NBC monetizes Saturday Night Live by selling ads. Google’s “content”, its “entertainment” is the search result and experience.Zillow’s content is all real-estate focussed. During its first season, there were two shows: “Home Value Estimates” and “Sales Prices and Details of Neighboring Homes.” We’ve just entered the second season with the release of a few more shows: “Make Me Move”, “Homes for Sale”, and “Real Estate Wiki.” Just like NBC, some of Zillow’s shows will be hits, and some will be flops. With any enough hits, Zillow will become successful.Don’t get hung up on the fact that Zillow’s “Home Value Estimates” show has inaccuracies in it. These estimates will improve, but they will never be 100% accurate, not only because they can’t be, but because what Zillow is providing is real estate entertainment, not the be-all and end-all of real estate valuation.
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Wow! You leave for an hour, and Zillow changes the world
Kevin Boer, Realtor, Alain Pinel Realtors December 7th, 2006
I stepped out for an hour….I came back…and the world, or at least my little piece of it, had changed, courtesy of Zillow’s upcoming product release.
Quoting Drew Meyer (Zillow PR), the new product release includes three components:
Agents and owners can post homes for sales–for FREE.
Added a real estate wiki that is seeded with over 100 articles–and opening it up to the community for improvement & expansion
Make Me Move–now ANYONE can set a “dream” price for their home
Of my four predictions, only one turns out to be correct: community commentary, which is at least part of what the wiki concept seems to be. (Note to self: Keep remaining three predictions on file — maybe they’ll be part of Zillow’s next release!)
Thinking as a traditional Realtor, my thoughts on the three components above are, respectively:Oh #!^%Huh???Huh? again.
Putting on my consumer hat:BrilliantBrilliantBrilliant
And now my Web 2.0 Realtor hat:Brilliant (if I do it right)Absolutely brilliantBrilliant again.
1. Agents and owners can post homes for sales [sic] for FREE.
Traditional Realtor: “Damn them! First they stole our data, now they’re pulling the MLS rug out from under us, next they’re going to start selling us leads or doing the transaction themselves. I will never — never — advertise there, and I’ll take every opportunity I can to bad-mouth them.”
Consumer: “Very, very, very cool. I love how I can get quick-and-dirty estimates of my home’s value. I should let my neighbor John know about this new feature — he’s having a hard time selling his home, and his Realtor should definitely advertise the home on Zillow. I mean, it’s free, so why not? And Joe down the street, who’s also selling his home (but on his own without a Realtor) should also know about this.”
Web 2.0 Realtor: “Gotta play this right, but this could be big. I’m already advertising my listings on Craigslist, Google Base, and Trulia; I definitely need to add Zillow to the list and stop wasting my money on enhanced listings on Realtor.com. In neighborhoods I’m trying to break into, I definitely need to start buying some banner ads. If this is where my potential clients are hanging out online, I need to be there too. But…gotta be careful. If the Zestimate for this home is below where I’ve listed it, not sure Zillow is the best place to advertise it. Oh, and here’s another idea: I’ll buy ads in the neighborhoods in which my buyer clients want to move — an easy way of letting the FSBO’ers in that neighborhood know to call me since I may have a client for them.”
2. Added a real estate wiki that is seeded with over 100 articles–and opening it up to the community for improvement & expansion.
Traditional Realtor: “Wiki?”
Consumer: “Nice, very nice. I love Wikipedia, but I can’t always find the really local real estate information I’m looking for. What’s the market been doing in Barron Park lately? How many offers are typically coming in on homes in Palo Alto these days? Hmmm…looks like this 3oceans guy Kevin has some of the answers I’m looking for…maybe I’ll shoot him an email.”
Web 2.0 Realtor: “Not 100% certain how to play this, but hey, I’ve got all kinds of content on my blog that I can re-purpose into some interesting Wiki-type content, and this could get me some publicity — help me get known as the local expert on Eichler homes, or on the Fair Oaks neighborhood. Realbird just started something similar at Realki.com — maybe I’ll split my efforts between the two sites and see which gives me better results.”
3. Make Me Move–now ANYONE can set a “dream” price for their home.
Traditional Realtor: “Yeah, right. Now anybody with a crap Eichler worth $850,000 is gonna put it out there at $1,100,000 and cross their fingers. If it’s my listing, they’ll probably expect me to advertise it in the paper at that price, too, and waste months of my time and thousands of my dollars while they come to their senses.”
Consumer: “It’s a bit gimmicky, but also kind of entertaining. I know my home is only worth $800,000, but you know what? If somebody really wanted to offer me $900,000, I’d sell it in a heartbeat! Can’t hurt — I mean, it takes 2 minutes of my time to do it, right?”
Web 2.0 Realtor: “Gotta watch these numbers like a hawk. If there’s a home with an unreasonably low Zestimate, and a “Make Me Move” price above that, but below what I think market value is…that could be tasty. If there’s a home with a “Make Me Move” price above market value, but not too much so, might be worth contacting that homeowner and explaining my services.”
Now…time to head to the other blogs and see what their reaction has been…
Update: (12:41am PST, Thursday, December 7, 2006) — About an hour ago, Zillow President Lloyd Frink posted the announcement. Zillow’s site itself, however, is still not back on.
Update 2: (9 minutes later) — Zillow’s David G, in his inaugural post on Active Rain, addresses one of Web 2.0 Realtor’s above issues. Apparently if a home is listed for sale on Zillow, the price that will appear is its list price, not its Zestimate.
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Escaping from tab hell (aka “Google’s taking over my desktop!”)
Kevin Boer, Realtor, Alain Pinel Realtors November 18th, 2006
I’m constantly coming across nifty blog-worthy items on the Internet. Typically I keep track of them by leaving them in an active Firefox tab:
That works fine up until about a dozen…but then what?
Enter a new product from Google: the notebook. You install a little widget, and voila! A new option appears on your right-click menu: Note this (Google Notebook). From there, you can drag topics where they belong, comment on them, delete them.
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Outsourcing to your clients
Kevin Boer, Realtor, Alain Pinel Realtors November 10th, 2006
Patrick Kitano’s recent post on the Internet and outsourcing got me thinking about a pretty neat kind of outsourcing — the kind where you pass off some of your work to your clients, sometimes without compensation.Client outsourcing is one of the drivers behind the Internet’s cost efficiencies. If a consumer can download copies of old checks from a bank’s web site, that means the bank no longer needs a department of people to follow up on requests for dated checks. It’s not that nobody is doing this job any more; it’s that the client is doing it instead of internal staff, and the client isn’t really being compensated for it either, especially when you consider how much bank fees have increased over the last decade.
Google does some very creative client outsourcing:
Google Image Labeler: This is an entertaining, nearly addictive game, masking its real purpose, which is to provide labels for the millions of images Google has in its archive. Rather than spend millions on technology to scan the images and label them (technology which may not even be completely possible with what we have today), rather than hire several hundred new folks whose sole (and boring) job it would be to write labels — Google has simply outsourced that job to its clients! Pretty neat.
Google search: While nobody outside the company knows Google’s secret sauce for ranking pages and relevance, we all know that part of it is analyzing incoming links. The legitimate (non-link-farm) links are generated by millions of real, live people who essentially “vote” on how good a particular page is by linking to it. Again, Google’s users are doing part of its job.
What does all this have to do with real estate? Quite a bit, actually — one of the growing current trends in real estate is client outsourcing. In the bad old days of data exclusivity, Realtors took clients around to see properties. Though that still happens a tremendous amount, there are a growing number of home buyers who take themselves out to view properties, thank you very much. Redfin didn’t invent this model, but they certainly have made a big splash about it, and they compensate their clients for doing some of the work by giving them back part of the commission.
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G-spot
Kevin Boer, Realtor, Alain Pinel Realtors October 31st, 2006
Just alerted to this on Om Malik’s blog — Google just bought Jotspot. The obvious name for this new entity? Take a guess…
With that out of the way…what in the world is Jotspot anyway? It’s a neat little Web 2.0 hosted wiki application. What does that mean, and why should that interest somebody in the world of real estate?
A “wiki” is simply an online collaborative application. The most well-known is arguably Wikipedia, the public-contribution encyclopedia. Other “wikis” include spreadsheets and maps which have the ability to be used collaboratively.
Some clients of mine clued me in to Jotspot earlier this year, and we found it a pretty effective tool for collaborating on the real estate search process. I would upload information about the properties I had previewed for them, and they could see the comments I’d made, add their own, and ask questions. “Did that one have a nice water view? Did the kitchen in that home have the countertop style we prefer?” The information was viewable as a spreadsheet, in map format (which homes have we looked at in this neighborhood?), and as a calendar (which homes did we see last weekend?)
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Sitemaps, sandboxes, and search — whatever you do, don’t annoy Google
Kevin Boer, Realtor, Alain Pinel Realtors October 23rd, 2006
To enable Google to find everything on your web site — even those hidden, unlinked dark little corners — it’s often a good idea to upload sitemaps, which are…drum roll please… maps of your site.
There are any number of sitemap-generating tools available to do this, but my personal favorite is one written by Arne Brachhold, who is apparently a full-time student in Germany who writes open source code in what little spare time he has. Arne’s tool works just brilliantly and is already quite popular among Wordpress bloggers.
The neatest feature is one that also just got me in a bit of trouble. You can configure it so that whenever you change anything in your blog — a new post, a changed heading, whatever — it automatically updates the sitemap and then pings Google.


Usually, that’s probably the best way to go. However, yesterday I was busy testing some features, like email-to-blog and some new tagging plugins. Each time I made a change, Arne (his software, actually) generated a new sitemap and sent it to Google. Turns out Google gets annoyed if you ping it too often with new sitemaps, so I temporarily got put in the infamous (and possibly mythical) Google sandbox until I started behaving myself. Google simply ignored the new sitemaps and callously refused to update its index with my new, compelling content, depriving my loyal readers of latest nuggets.
Moral of the story — turn off automatic Google pinging if you’re about to make a number of changes, then turn it back on afterwards. Afterall, there’s no sense in annoying Google!
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Invasion of the Europeans
Kevin Boer, Realtor, Alain Pinel Realtors September 16th, 2006
I’ve been having way too fun much lately examining my blog’s traffic in Google Analytics. Some of today’s visitors came from obscure places in Europe:
Carcavelos, Portugal
Kingsey, England
SogutagzA, Turkey (technically Asia, I suppose, since it’s well east of the Bosphorus)
While I’d love to think that my compelling content is drawing readership from halfway across the world, I think it’s more likely they stumbled upon it using the “Next blog” button in Blogspot.
Honorable mention also goes out to Albuquerque, NM, and Lake Zurich, IL.

posted by brijesh agarwal @ 10:11 PM 0 Comments

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The Europe News - Real Estate News Europe Real Estate Directory: Latest 10 Agencies1. Destination Bulgaria 2. European Real Estate 3. Troyan Properties LTD 4. Stil 21 Ltd 5. Timras Construction&Real Estate Agency 6. Arad, Romania Real Estate 7. Property Angel Ltd. 8. NICCOM Nekretnine Istra i Kvarner 9. Baronigg Property Consulting 10. Urban Investor Ltd Land For Sale By OwnersFree Land Ads to Land sellers wanting to sell by owner 6086 4438 2 NJ's Ultimate Home Resource!Established in 1997, this award-winning web site features tons of resources for buyers, sellers and homeowners. Be sure to check out all the FREE STUFF including free classified ads for FSBO's! 5291 1053 3 News FSBOFor Sale By Owner (FSBO), Sell home house condo Buy Real Estate MLSFor Sale By Owner ( News FSBO ) 3466 1174 4 Freedom FSBOWe offer services that can help you selling your home, on your own, without a realtor. Signs are provided with a toll free number that is assessable 24/7. 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We can help Pre-Approve all buyers to avoid "buyer fallout.". www.freedomfsbo.com 365 868 25 HomesbyLender.comHomes For Sale By Owner Sponsored By Your Local Mortgage Lenders Nationwide! 315 1400 26 TorontoHomeListings.com - GTA FSBO, Free listings, No CommissionFor sale by owner in Toronto, Save yourself $12500 real estate commission on a $250000 home,List your property for free! 298 300 27 California Loan Real Estate ServicesIf you own Condo, Condominium, Townhouse or Townhome in San fernando valley or Los Angeles, CA. Contact Peyman Karami for sale at 1818.300.300.5 297 564 28 For Sale By Owner NetworkFor Sale By Owner Network Real Estate FSBON. The most comprehensive FSBO advertising site that lets you list your home, commercial property or land and add up to 22 photos instantly. 271 2134 29 Mortgage Quotes CentralMortgage quotes from multiple prime lenders gets you a better mortgage. 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Free Real Estate listing with pictures For Sale By Owners in California. 141 850 40 fsbovolusia.comFSBO Volusia is a real estate marketing service dedicated to connecting FSBO or “For Sale By Owner” sellers in Volusia County Florida with buyers from around the nation and around the world. See Real Estate in beautiful Daytona Beach, Port Orange, Ormond Beach, Deland, Deltona and throughout Volusia County. 136 532 41 For_Sale_By_OwnerReal Estate - Land - For sale by owner 131 1430 42 FSBO Seller BlogAdvice for FSBO sellers. 125 468 43 AA1 Luxury Spanish Golf property .the biggest golf Resort and course in europe, in MurciaWe sale direct from the biggest Golf Resort in europe, spanish luxury Golf propertys from 120.000 Euros. Reserve your off plan Propertie now and save 20%. 123 579 44 Windsor Capital Mortgage CorporationUse our free service to advertise your home online. 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Money saving home selling and buying articles and tips added daily. visit today for a free 40-page How to Sell Your Own Home E-book! 77 505 51 Plot of land 167 000 sq. m. on Black Sea beach for saleThe plot location is 18 km distance on Varna city and is bordered by Black Sea beach. The plot is forests and glades and covers the whole beach on bay. This is the unique possibility to be built independent Black Sea beach resort on exotic place near to big city with airport. 75 707 52 HLScanada.comHLScanada - The alternative to MLS, FSBO home listings without the fee 70 318 53 Industrial plot of land 200 000 sq.m. - Location Varna city - Bulgaria for saleThe plot location is in Varna city industrial zone and be bordered by Varna Lake beach. The plot has industrial statute. Near the port is situated the big port and airport. Highway and railway run by the plot. In the plot can be built factory, industrial store, port, and junction. 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Hits Out 2710 Visitor Rating:American Agents Insurance Company American Bankers InsuranceAmerican Banker Insurance Companies American Bankers Insurance Group - Assurant GroupAmerican Benefit Consultants Insurance American Chambers Life InsuranceAmerican Contractors Insurance GroupAmerican Equity Insurance American Express Financial Express - IDAllstate Insurance Companyhas everything you need to do insurance business online for auto, family, home, around the corner, or around the world.Amica Insurance Company - Offers instant home, term life, and auto insurance quotes. Coverages include car, whole life, flood, and boat insuranceHere's a GREAT resource site for auto insurance tips, based in Ontario, but the advice is good throughout America.The Arrowhead Group The Co-operators - A Canadian-owned, multi-line insurance company that provides home, auto, life, farm, business, and group insurance. Also offers financial security products, including RRSPs. Find an agent or request a quote. This is NOT legal advice but it is a fact: In most courts of law, you cannot prove you have been forced off the road unless some physical contact with the offending vehicle has occurred. I know it is just human nature to dodge the other vehicle at all costs, just remember that YOU are probably responsible for all damages done to your vehicle and anything that it strikes unless some physical contact with the offending vehicle has occurred. I urge you to check the laws in YOUR state, today! Drag DownThe High Cost of InsuranceLet us help you catch all the insurance protection you need for the money you are spending. Compare what you have to pay now with the family-friendly values we find. See if the savings don't average 46% better than what you expect on ALL Your Insurance Needs for: Quote Type: Select an insurance typeAuto InsuranceHome FinanceHealth InsuranceHome InsuranceLife InsuranceMotorcycle InsuranceAuto FinanceSmall Business InsuranceLoan Type PurchaseRefinanceHome EquityMobile Home/Manufactured HousingOtherZipcode: Car Safety TipsIf your car has remote keyless entry and you lock your keys inside the car you can call a significant other with a duplicate key. Hold your cell phone close to the car door then ask the person with the duplicate key to press the unlock button while holding it close their cell phone. Sweet music will greet your ear as your car unlocks. This will work even if you are in Europe and the other cell phone is in South America. Even if you are only blocks apart this will still save the time it normally takes to drive the key to you. Don’t just keep paying your car insurance invoice when it comes in. For example, many people needlessly carry full coverage on their old car. They originally purchased the vehicle new, paid for full coverage and to this day, continue to pay the same high rate. Once a vehicle gets old it doesn't matter how much coverage you pay for or even how much your vehicle is really worth you will only be paid a specific (lowball) figure if an accident ever happens. Your annual insurance bill should be an automatic trigger for you to make a few phone calls to see if you can save even more money on your car insurance premiums. Here's another tip.. Let your fingers do the walking… Shop around -- and do it at least yearly. Here are a few suggestions to help you get the best deal available on your car insurance policy. Auto Insurance agents really have a lot of leeway when it comes to premium quotes. They can price match and they can offer you many discounts IF THEY WANT TO. There are also many decisions you can make about your policy that will save you a bundle. For example, if you change your deductible on your collision from a $50 deductible to a $1000 deductible, you’re in line for a huge premium savings. If you don’t think you could come up with $1000 out of pocket, then change it to a $500 deductible; you’ll still save a sizable amount on your annual premium payment. You can also get more savings if you change your comprehensive deductible. Let's say your ten year old vehicle may be worth $1000 or less. If you continue to pay $250-$450 every six months (total $500 to $900 dollars a year) too keep full coverage on their old vehicle you are driving yourself into the poor house. If you have an accident and totaled their vehicle, the insurance company will only pay you the actual wholesale value of the vehicle. In other words, you'll be very lucky to receive $1000 and it will probably be -- less. Another method to save more on your insurance is by combining your vehicles and other insurance together to get you additional savings. All insurance companies offer a multi-car discount (if yours doesn’t, it’s time to switch companies). Further, many will discount more if you have your homeowners or renters policy with them. There are a few other discounts that you may not be taking advantage of. It seems obvious, but make sure you are getting the correct rate for your age. There are discounts for various ages than can save you lots of money. Check with your agent on this one. Also alarm systems on your vehicle are usually good for a discount. Additionally, anti-lock brakes and air bags can also help lower your premiums. Dairyland Insurance - Offers nonstandard auto and preferred motorcycle insurance products. Farmers Insurance Group of Companies -Rates are rising for teenaged girl drivers. My sources say it's because so many of them have cell phones and can't quit using them. What are they squealing about? Boys.Geico Direct Great American Auto InsuranceGuideOne InsuranceThe Hartford Financial Services Group welcomes the opportunity to serve your vehicle insurance needs! It's easy to get a quote online, by telephone and from an agent close to you.MBA Insurance - RV insurance needs since 1978Mendota Insurance CompanyThe Motorists Mutual-American Hardware Insurance GroupInsurance Strategies is a full service transportation insurance agency specializing in transportation insurance, including Trucks, Semi Trucks, Trailers, Buses, Mexican Buses, Medical Transport, Rental Car, Taxi, Shuttle*Get the latest Insurance News Hot From the DePotand Great Health News you can really use!Avoid the Speed Traps, in your area.S Are you worried, or even frightened because you can't be insured? Check out the best health programs available. Our Patient Advocacy Team can help you through some tough situations.American Family InsuranceAmerican Family Life Assurance 3700 Crestwood Pkwy NW. Duluth, GA 30096-5599 Phone: (770)935-9330American Farm Bureau Insurance Services Inc. American Fidelity Assurance is your financial security solution for annuities, disability, cancer, and life insurance. Phone: (800) 654-8489American Fidelity Life Insurance Company: 4060 Barrancas Ave., Pensacola FL 32507-3467 Phone: (850) 456-7401 American Financial GroupAmerican Franklin Life Also known to customers as Franklin Life.American General Annuity has a web site designed to help you learn more about annuities so you can make intelligent decisions.American General CorporationAmerican General Life & AccidentAmerican General Life and Accident Insurance CompanyAMERICAN GLOBAL INSURANCE COMPANYAmerican Guaranty and Trust American American Income Life Insurance Co With over $15 billion of life insurance in force, American Income is nationally recognized as one of the significant carriers of supplemental insurance in North America. Headquartered in Waco, Texas, American Income is licensed in 49 states, the District of Columbia, Canada, and New Zealand. American Insurance Services Group American Insurance Association American Insurance of the Treasure Coast American International Pacific Insurance AMERICAN INTERNATIONAL SPECIALTY LINES INSURANCE COMPANYAmerican Life Insurance of New York American Medical SecurityAmerican Mexican Insurance Service Inc.American National Insurance Company American National and its subsidiaries are a multiple-line Insurance Company. American Public Life whether you are a broker, agent, employer or employee, we want to assist in helping to meet life's challenges. We want to serve your needs. On this site you will find information on our medical supplement plans, disability, cancer, dental and life insurance.American Psychological Association Insurance Trust American Re-Insurance Company American Republic Insurance Company American Risk and Insurance Association American Skandia Life American Specialty Health American United Life Insurance Company American Western LifeGreat American Life Insurance Co.Great American Insurance Co General American Life "While visiting our site you'll learn about us and our broad range of life insurance, health insurance, annuity, investments, and pension and profit sharing plans. We serve individuals, groups, and businesses with a comprehensive portfolio of financial products and services. We invite you to find out more about how we deliver on our promise of "Products to value, people to trust." Great American Insurance ISU North American Insurance AgencyLoyal American FamilyMexican Insurance from American Mexican Insurance Services Mutual of America Old American Insurance Company: 3520 Broadway KANSAS CITY MO 64111 Phone: (816) 753 4900 The company was founded in 1939. For almost 60 years, its mission has been to provide peace of mind to the senior market and, in turn, enhance the quality of life for both the policyholders and their beneficiaries. Old American has more than one billion dollars of life insurance in force. It operates in 45 states and the District of Columbia and currently has more than 300,000 policyholders. The parent company is Kansas City Life Insurance Company. Phoenix American Insurance Group SDG All American Insurance AgencyVan-American Insurance Company Heritage Life InsuranChartered Health Plan stresses quality medical care by providing our members with a choice of health care providers, health education, and staff dedicated to service excellence. Chartered Health Plan is committed to developing health care resources, which will assist minorities in the District of Columbia to maintain their health and to become totally healthy individuals. The ultimate goal is to strengthen educational and economical development by helping to bridge the digital divide for our community. Chubb/Life America, Warren, NJ -- Personal Insurance -- How fragile is your dream? How solid is your coverage? Insure with Chubb and receive coverage and service solutions designed for people who expect more. CIGNA Health Plan, Philadelphia, PA Columbia Casualty Commercial Travelers is one of America's oldest and most respected accident and health insurance companies - privileged to serve policyholders coast to coast with a wide range of products.Compcare Health ServicesContinental General Insurance Company Combined Benefits Insurance Company Combined Insurance Company of America Combined Life Insurance Company of New York - Latham, NYCommercial Insurance Company of Newark, NJ - New York, NYce CoConnecticut General InsuranceConseco has 13 million customers. Continental Assurance CompanyContinental Casualty CompanyContinental General Insurance CompanyContinental Insurance Company of New Jersey Continental Insurance Company of Puerto Rico Continental Insurance Company, The Continental Lloyd's Company Continental Reinsurance CorporationCoreStar a subsidiary of TrustMark Trustmark offers health and life insurance and benefits administration services to employer groups, primarily through five separate operating divisions:Cost Care, Inc.Country Insurance & Financial Services - A full range of insurance and financial planning services. News and information about the company, available policies and services, agent search, a game zone for teaching kids about safety.Manhattan National Life Insurance Company, TheMayflower Insurance Company, Ltd., TheM-Care With networks that include thousands of doctors and many leading hospitals, M-CARE has been serving Southeastern Michigan for years. We offer a variety of health care products, including HMO, Open Access, M-CARE PPO, HSA, and Medicaid plans.Mercy Health Plans Healing in the broadest sense. These powerful words encapsulate the Mercy Health System mission and our organization's commitment to our patients and community members. Healing in the broadest sense is what our 3,856 employees, who we call partners, strive for each and every day.MMA Insurance Company Whether you’re an individual, business, or church, MMA offers a variety of health, life, and other specialty insurance products to fit your unique needs.Modern Woodmen of America As a fraternal benefit society, Modern Woodmen provides benefits for members, their families and their communities.Monumental Life Insurance CompanyMutual Of Omaha is found here. At Mutual of Omaha, we have worked hard to become one of the largest providers of individual health and accident insurance in America, one of the largest group carriers and one of the nation’s largest administrators of Medicare Part A claims. But we point with greatest pride to our 90 years of outstanding service to our policyowners. Our commitment to customer service is second to none – it is the core of our vision and values for success. Mutual of Omaha Health Plans, Inc.MVP Healthplan offers a wide range of health benefit products including a preferred provider organization (PPO), an exclusive provider organization (EPO), indemnity health insurance products, the MVP HMO (MVP Health Plan, Inc.) and administrative services for employers who choose to self-insure. MVP will enter the Medicare market in 2007.Click HERE if you are pregnant and have NO insurance.A Directory of the Best Health Insurance Companiesstarting with the letter "N" N SectionNational Fire Insurance Company of HartfordNational Preferred Providers Network As one of the largest and fastest growing Preferred Provider Organizations, we are always looking for ways to serve you better. Nationwide-Health Choosing proper health care management tools is an important decision for all of us. Making smart decisions today can help ensure we'll be living a healthier lifestyle tomorrow. Nationwide Better HealthSM offers a wide variety of products, services and benefit options to suit all of your health care needs. We're here to assist you every step of the way. New York Life Insurance Company Why Choose Us? Well, for three simple reasons: our award-winning professionally-trained agents, our top-flight customer service, and the highest ratings for financial strength.Niagara Fire Insurance CompanyNorth American Company for Life and Health Northern Arizona Healthcare is the parent corporation of Flagstaff Medical Center, Verde Valley Medical Center, VVMC-Sedona Campus and Northern Arizona Homecare. NAH is dedicated to improving the health of the people and communities we serve in Northern and Central Arizona.A Directory of the Best Health Insurance Companiesstarting with the letter "O" O SectionODS Health Plans Omnicare Health Plan OptumOxford Health Plans, Darien, CTOxford Life Insurance Company of Phoenix, Arizona specializes in providing innovative and consumer-friendly life, annuity and health insurance.beneficiaries a variety of consumer-driven health care and insurance products.Pacific Insurance CompanyPacificSource Health Plan Pekin Insurance Life and Health Personal California Care The HMO for Families and IndividualsPhysicians Mutual Insurance Co Established in 1902, originally to protect doctors and dentists, we now protect Americans in all professions and from all walks of life.Pioneer Life Insurance CompanyAARP Life InsuranceAcacia Life Insurance Company life, annuities, mutual funds, investments, financial planning.Advance sells group insurance for dental, disability, term life, accidental death & dismemberment, and dependent life in 38 U.S. statesAEGON is an international pension, insurance, and financial services organization and ranks as one of the largest insurance/financial services groups in the world. Member companies site can be found here,Aetna Life & AnnuityAetna Life & CasualtyAetna Life Insurance and Annuity CoAFLAC -- American Family Life insuring over 40,000,000 people, worldwide. American consumers expect their major medical plans to be a remedy for all medical and related expenses if they suffer an accident or illness. Many find out the hard way that most major medical plans are designed to pay doctor and hospital bills — not all the uncovered and incidental expenses created by treatment and potential changes in standard of living.Get the latest Insurance News Hot From the DePotand Great Health News you can really use!Aid Association for LutheransAIG LifeAllianz Life Insurance Co of AmericaAllmerica FinancialAllstate CanadaAllstate InsuranceAmalgamated Life Insurance CoAmeritas Life Insurance CompanyAmeritas Variable Life Insurance CoAmerUs LifeAmica - Mutual insurance companyAnthem Life Insurance CompanyAssurity Life Insurance CompanyEveryday Mysteries, Fun-filled Facts from the Library of Congress. From Armadillos to Zebras, from why does slicing an onion make you cry to Who invented the telephone, this short and saucy little book is one of the best written books I've seen in a long time. Please be sure to RIGHT CLICK on the link as this book is in pdf format so that every computer can read it.AmeriBest Life Insurance CompanyRemember, I have listed those companies with AMERICAN in their name on ONE page. Find the most competitive Life Insurance rates available.Atlas Life Insurance Company: is unique in the sense that if they handle your personal insurance or business insurance they know what your financial risks are and can help you to identify how the loss of financial income can affect the protection of your assets. 5062 BRITTONFIELD PRKWY; EAST SYRACUSE NY 13057 Phone: (315) 431-6100 -- Phone: (800) 443-4000 62 MAPLE AVENUE KEENE, NH 03431 Contact Agent Pat Doughtery for the best service.Aurora National Life Insurance CoAUSA Life Insurance Company, Inc. 4 MANHATTANVILLE RD PURCHASE NY 10577 Phone: (914) 697-8000 Part of AEGON.B SectionBanker's Life and Casualty: 222 Merchandise Mart Plz Fl 5 Chicago, IL 60654 (312) 396-6000 Part of Conseco. Bankers National LifeBanner Life Insurance CoBankers Life Insurance Company of New York Our combination of innovation, financial strength, and excellent service has helped position Bankers Life as a premiere insurance carrier in our community.Banker's United Life Assurance Baptist Life AssociationBeneficial Standard Life Insurance Co Berkshire Life Insurance CoBoston Mutual Life Insurance CoC SectionCanada Life Assurance CoCatholic Family Life Insurance CoCatholic Life Insurance UnionCentral Reserve LifeCigna Individual FinancialClarica Colonial Life and Accident 21000 Frontage Rd Belgrade, MT 59714-8547 Phone: (406) 388-5608 There are over 200 offices for this companyColonial Life Insurance Co of TexasColonial Penn Life "We believe in making insurance simple to understand and simple to buy. We specialize in offering affordable coverage directly to you. This site makes it easy to get the information you need and the protection you want."Columbia Universal LifeColumbus Life Insurance Co has consistently grown and prospered for more than 90 years. Today, we have more than 1,500 agents marketing our insurance products and services, supported by a diverse and talented home office team of insurance professionals.Commonweatlth InsuranceConnecticut General InsuranceConseco has $93.6 billion in total managed assets.In addition to our home, auto and life policies, Cotton States also offers a number of specialty coverages, including renters insurance, health coverage, mortgage protection, disability insurance, dental plans, guaranteed issue life plans, mobile home insurance and many other specialty insurance products to meet your insurance needs.Country Insurance & Financial Services, formerly known as Country Companies, has changed their name and website address. The new address is: www.countryfinancial.comCOVA Financial Services Life Ins CoCoverna Direct: Term Life insurance offering ease, comfort, savings...online quotes.Cuna Mutual Life Insurance Co* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *D Section**Leave A Million Dollar Legacy: Be Your Own Banker! Money you are already spending can provide a stable income over your whole lifetime, and still leave millions of dollars for your heirs. E SectionThe Empire Life Insurance Company was incorporated on January 11, 1923. Empire has grown considerably since its founding, and today we are among the top 15 life insurance companies in Canada. We have never sold insurance in the U.S. We are proud of our heritage and our reputation for providing Canadians with sound investment opportunities, financial solutions and income security. Phone us at 1-800-561-1268Employers Modern LifeEpic Life Insurance CompanyThe Equitable CompanyEquitable Life Insurance Company of IowaErie Family LifeF SectionFarm Bureau is the one company I run into most in farming country. I've had my home insured by them and found the cost lower and the service better than any other company I've investigated.Farmers & Traders LifeFederated Life Insurance Company: We are here to offer risk management and loss prevention services to help you avoid accidents. We are here to help you recover when catastrophes strike. We are here to help you plan for the future of your business.FIC providing financial security for a lifetimeFidelity & Guaranty LifeFidelity Investments Life Insurance Co Fidelity Security Life was founded out of responsiveness to the need for customized insurance products for niche markets. Over 30 years later, we take pride in being able to say we still do not have shelf products; each plan is tailored to the customer's needs. Financial Benefit Life Insurance Co believes in continually enhancing its annuity products based on market conditions.First Colony Life Insurance CompanyFirst Fortis Life Insurance CompanyJust how healthy are you? It would probably help to find out BEFORE you fill out the forms. I have created a PRE-INTERVIEW FORM strictly for your own information so you'll know what might be coming at you.First In Life.First Penn-Pacific LifeFirst UnumFirst Variable Life Insurance CoForethought Life Insurance Company offers funeral planning.Fort Dearborn Life Insurance Company Blue Cross/Blue Shield of IllinoisFortis Financial Company Formerly Life of Virginia. Main Phone Number: 1-800-800-2000 This is now part of The Hartford Group.Franklin Life for mail or phone contact, use Franklin Life Insurance Company: #1 Franklin Square Springfield, IL 62713-0001 Toll Free 800-528-2011G SectionGarden State Life We sell small face amount life insurance policies direct to the consumer without a medical exam. One of our main goals is to provide life insurance protection to people with smaller life insurance needs that often get overlooked by the larger companies. GE Life & AnnuityGerber Life Insurance CompanyGleaner Life Insurance Society has been a friend of the family since 1894. At Gleaner, we guarantee... "Every morning when you wake up, you're worth more than you were the night before."Globe Life And Accident Insurance CompanyGolden American Life Insurance CompanyGolden State Mutual Life InsGrange Mutual Life Insurance CoGreat American Life Insurance Co We are part of American Financial Group, Inc. (AFG), a larger family of companies with more than 130 years of experience. (Great American Insurance Company dates back to 1872.) AFG subsidiaries market property and casualty insurance. To learn more about property and casualty operations, visit Great American Insurance Group. Our Subsidiaries are: Great American Life Insurance Company® Annuity Investors Life Insurance Company® United Teacher Associates Insurance Company Loyal American Life Insurance Company®Greater Beneficial Union Great Southern Life Great Western Insurance Company located in Ogden, Utah, provides funding for pre-arranged funeral planning. Funeral pre-arrangements allow individuals the opportunity to plan their own funeral, including the selection of merchandise and services, and pay in advance. In many cases, funeral homes provide a guarantee so that the family never pays more for the funeral at the time of death.Great West Life Assurance CoGreat-West Life & Annuity Guarantee Life Insurance CoGuarantee Trust Life Insurance CoGuardian Life Insurance Company From our day-to-day dealings with our clients, to our involvement in our hometown communities, Guardian strives to enrich the lives of the people we touch. "Let's first of all recognize something very fundamental about Guardian: We are a mutual company. A mutual company is owned by its policy owners. We work for the benefit of the policy owners."Amica - Mutual insurance company.The Amwest Surety Insurance Company is in Liquidation. Amwest is determined to assist the Insured, Agents, Principals, Obligees and other Claimants of Amwest Surety Insurance Company with information about the Amwest liquidation process.The Citadel Assurance Company of CanadaCongregational & General Insurance - UK insurance company providing church, home, commercial, and charity insurance.Cotton States offers home insurance in 10 southeastern states.Erie Insurance Group for Homes. Farm Bureau is the one company I run into most in farming country. I've had my home insured by them and found the cost lower and the service better than any other company I've investigated.Farmers Insurance Group of Companies Madison Mutual Insurance CompanyMetropolitan Life Insurance Company Mobile Home Insurance Foremost has insured mobile homes about as long as mobile homes have existed in this country. We insure more than 1 million mobile homes...Sentry InsuranceSouthern United offers a non-standard auto insurance program with NO credit scoring.USAA Worldwide Insurance Auto insurance carriers with web sites are listed on this page for free.Westfield Insurance CompanyWestfield National Insurance CompanyZurichSwitzerland108.122GenevaSwitzerland108.0=33VancouverCanada107.7=34ViennaAustria107.7=55AucklandNew Zealand107.3=56DüsseldorfGermany107.377FrankfurtGermany107.188MunichGermany106.9=99BernSwitzerland106.5=99SydneyAustralia106.51111CopenhagenDenmark106.21212WellingtonNew Zealand105.81313AmsterdamNetherlands105.71414BrusselsBelgium105.61515TorontoCanada105.41616BerlinGermany105.21717MelbourneAustralia105.0=1818LuxembourgLuxembourg104.8=1821OttawaCanada104.82020StockholmSweden104.72121PerthAustralia104.52222MontrealCanada104.32323NürnbergGermany104.2=2425CalgaryCanada103.6=2425HamburgGermany103.62631OsloNorway103.5=2724DublinIreland103.3=2727HonoluluUSA103.32928San FranciscoUSA103.2=3029AdelaideAustralia103.1=3029HelsinkiFinland103.13231BrisbaneAustralia102.83333ParisFrance102.73434SingaporeSingapore102.53535TokyoJapan102.3=3637LyonFrance101.9=3636BostonUSA101.93837YokohamaJapan101.73939LondonUK101.24040KobeJapan101.04144BarcelonaSpain100.6=4245MadridSpain100.5=4251OsakaJapan100.5=4441Washington DCUSA100.4=4441ChicagoUSA100.44643PortlandUSA100.34753LisbonPortugal100.14846New York CityUSA100.0=4951MilanItaly99.9=4947SeattleUSA991London77.792New York73.803Tokyo68.094Chicago67.195Hong Kong62.326Singapore61.957Frankfurt61.348Paris61.199Seoul60.7010Los Angeles59.0511Amsterdam57.3012Toronto57.1113Boston56.4714Sydney56.2615Copenhagen56.1416Madrid56.0617Stockholm54.5118San Francisco54.3619Zurich54.3320Atlanta54.1921Miami53.7622Houston52.9623Washington D.C.52.6824Berlin52.2425Milan52.2326Munich51.8527Montreal51.3528Vancouver51.1029Brussels51.0530Vienna50.9431Dublin50.7232Shanghai50.3333Barcelona50.1534Melbourne48.8935Geneva48.0536Bangkok47.9637Dubai46.6138Kuala Lumpur45.8239Santiago44.5640Budapest43.7541Prague43.5542Mexico City43.3543Rome43.1844Tel Aviv43.0045Mumbai42.7046Beijing41.9447Johannesburg41.3748Sao Paulo41.1449Warsaw40.5650Moscow39.80
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