ADVERTISING IN INSURANCEDefinition of Insurance, in law and economics, is a form of risk management primarily used tohedge against the risk

of a contingent loss. Insurance is defined as the equitable transfer of therisk of a loss, from one entity to another, in exchange for a premium, and can be thought of as aguaranteed small loss to prevent a large, possibly devastating loss. An insurer is a companyselling the insurance; an insured is the person or entity buying the insurance. The insurance rateis a factor used to determine the amount to be charged for a certain amount of insurancecoverage, called the premium. Risk management, the practice of appraising and controlling risk,has evolved as a discrete field of study and practice. One Definition Of Advertising Is: "Advertising is the non personal communication of information usually paid for and usually persuasive in nature about products, services or ideas byidentified sponsors through the various media."(Bovey, 1992, p. 7) So much for academicdoubletalk. Now let's take this statement apart and see what it means. NON-PERSONALFirst, what is "nopersonal"? There are two basic ways to sell anything: personally and nonpersonally. Personal selling requires the seller and the buyer to get toget her. There areadvantages and disadvantages to this. The first advantage is time: the seller has time to discuss indetail everything about the product. The buyer has time to ask questions, get answers, andexamine evidence for or against purchase.A second advantage of personal selling is that the seller can see you. the person rheas selling to.Rhea can see your face; see how the sales message is getting across. If you yawn or your eyesshift away, you're obviously bored, and the seller can change approach. Rhea can also see if you're hooked, see what features or benefits have your attention, and emphasize them to close thesale.Finally, the seller can easily locate potential buyers. If you enter a store, you probably have aninterest in something that store sells. Street vendors and door-to-door sellers can simply shout at possibilities, like the Hyde Park (London) vendors who call out, "I say there, Guv'nor, can youuse a set of these dishes?", or knock at the door and start their spiel with an attention grabber.From there on they fit their

message to the individual customer, taking all the time a customer iswilling to give them.Disadvantages do exist. Personal selling is, naturally enough, expensive, since it is labor-intensive and deals with only one buyer at a time. Just imagine trying to sell chewing gum or guitar picks one-on-one; it would cost a dollar a stick or pick. In addition, its advantage of time is also a disadvantage. Personal selling is time-consuming.Selling a stereo or a car can take days, and major computer and airplane sales can take years. Nonetheless, although personal selling results in more rejecti ons than sales, and can be nerve-racking, frustrating and ego destroying for the salesperson, when the salesperson is good it ismore directed and successful than advertising.From the above, it appears that personal selling is much better than advertising, which is non- personal. This is true. Advertising has none of the advantages of personal selling: there is verylittle time in which to present the sales message, there is no way to know just who the customer is or how rhea is responding to the message, the message cannot be changed in mid-course to suitthe customer's reactions.Then why bother with advertising? Because its advantages exactly replace the disadvantages of personal selling and can emulate some of the advantages. First let's look at the latter.First, advertising has, comparatively speaking, all the time in the world. Unlike personal selling,the sales message and its presentation does not have to be created on the spot with the customer watching. It can be created in as many ways as the writer can conceive, be rewritten, tested,modified, injected with every trick and appeal known to affect consumers. (Some of the latter isthe content of this book.)Second, although advertisers may not see the individual customer, nor be able to modify thesales message according to that individual's reactions at the time, it does have research aboutcustomers. The research can identify

potential customers, find what message elements mightinfluence them, and figure out how best to get that message to them. Although the research ismeaningless when applied to any particular individual, it is effective when applied to largegroups of customers.Third, and perhaps of most importance, advertising can be far cheaper per potential customer than personal selling. Personal selling is extremely laborintensive, dealing with one customer ata time. Advertising deals with hundreds, thousands, or millions of customers at a time, reducingthe cost per customer to mere pennies. In fact, advertising costs are determined in part using aformula to determine, not cost per potential customer, but cost per thousand potential customers.Thus, it appears that advertising is a good idea as a sales tool. For small ticket items, such aschewing gum and guitar picks, advertising is cost effective to do the entire selling job. For largeticket items, such as cars and computers, advertising can do a large part of the selling job, and personal selling is used to complete and close the sale. 3 Advertising Is Non-Personal, But Effective.COMMUNICATION Communication means not only speech or pictures, but any way one person can passinformation, ideas or feelings to another. Thus communication uses all of the senses: smell,touch, taste, sound and sight. Of the five, only two are really useful in advertising -- sound andsight.SMELLSmell is an extremely strong form of communication. However, when it comes to advertising, itis not very useful. A smell can immediately evoke memories. Remember times when you'vesmelled something and what memories came to your mind. The smell could be a perfume or aftershave that reminds you of Sheila or George. It could be popcorn, newly mown grass, char- broiling steak, or roses. Any smell can conjure up a memory for you.However, that is smell's greatest problem for advertising. Although a smell can evoke a

memory,everyone's memories are different. For example, the smell of hay in a cow barn always remindsme of my grandfather's farm in Indiana and the fun I had there as a child. To others, however,that same smell makes them think a cow had an accident in the living room, not at all the sameresponse as mine. If an advertiser wanted to make me nostalgic about farms and grandparents,the smell would be perfect. To others the smell might evoke ideas of cow accidents or the pain of having to buck bales on a hot summer day, neither image of much use in making a productappealing.The point is, the effect of using smell in advertising cannot be controlled by the advertiser.Although many people smell the same things, what they associate with those smells varies witheach person. Without some control, smell is a very weak form of communication for advertising. Touch Touch has a limitation that makes it of little use to advertising -- the customer has to come inactual contact with the item to be touched. Thus the item must actually exist and be put in amedium that can carry it. This puts touch more in the realm of personal selling than advertising.It is possible to use touch for a limited number of products. For example, samples of cloth or paper can be bound into magazines. The potential customer can thus feel percale or the texture of corduroy; tell through touch the difference between slick magazine stock, embossing, ClassicLaid or 100% rag paper. However, for the majority of products touch is useless for advertising. Taste Taste is probably the least useful communication channel available to advertising. Like touch,taste requires the potential customer to come in actual physical contact with the product.However, taste is even more limited than touch. There are few products other than food for which taste is a major selling point, and there is virtually no medium in which an ad can be placed that people are likely to lick; I'm sure few people are going to lick a magazine page or theTV screen, nor get much sense of what the product tastes like from them. It is possible to usedirect mail, sending samples to homes, but that is an expensive way to advertise.Thus, taste is much more effective in personal selling, such as

sampling foods in supermarkets or in door-to-door sales.The remaining two senses, sound and sight, are the most effective and easily used channels of communication available to advertising. For these reasons virtually all advertising relies on them. Sound Sound is extremely useful for advertising. It can be used in a variety of media, from radio andtelevision to the new technology of binding microsound chips in magazines to present 20-second sales messages. It is also capable of presenting words and "theatre of the mind."Words, the method by which humans communicate their ideas and feelings, are presented bysound, by speaking aloud. Through the use of words it is possible to deliver logical arguments,discuss pros and cons, and evoke emotions.More, through the use of sound it is possible to create what is called "the theatre of the mind."What this means is that sound can conjure in the listener's mind images and actions that don'tnecessarily exist. For example, if you want to create before the mind's eye the image of a party,you need merely use the sound effects of people talking and laughing, the tinkle of glasses andice, perhaps music in the background. Even easier, tape record a party and play it back. To evokeimages of a soft spring day the sounds of a breeze rustling leaves, the chirrup of insects, the softcall of birds is sufficient. The listener's mind will take those sounds, combine them, make senseof them, and create an image suited to their individual taste. For example, a beer commercialmay play the sounds of a bar in the background, and the listener may imagine themselves in their own favorite bar, and perhaps ordering that brand of beer.Thus sound, in the forms of words and effects, are quite useful to the advertiser in affecting alistener. Sight Sight is arguably the most useful of the communication channels available to the advertiser.Through sight it is possible to use both words and images effectively.Words do not have to be spoken to be understood. They can be printed, as well. Although it isdifficult to put in written words the emotional impact possible in spoken words, with their inflections and subtle sound cues, nevertheless written words are unsurpassed for getting acrossand explaining complex ideas or

arguments.There is an additional factor in sight that makes it excellent for advertising. The old cliche, "A picture is worth a thousand words," is correct. Think how long it takes to describe something asopposed to showing a picture of it. No matter how many words you use, some details will be leftout that are visible at a glance. Thus sight can quickly and concisely show a customer what theadvertiser wants her to see, be it a product or how buying the product can benefit rher.The five forms of human communication can be used to send any message to potentialcustomers. However, not all five are equal. Smell, touch and taste are of little use, but sound andsight are of great value and effectiveness. INFORMATION Information is defined as knowledge, facts or news. However, you should bear in mind that one person's information is another person's scam, particularly when adv ertisers talk about their products.Information comes in many forms. It can be complete or incomplete. It can be biased or deceptive. Complete information is telling someone everything there is to know aboutsomething: what it is, what it looks like, how it works, what its benefits and drawbacks are.However, to provide complete information about anything is time consuming and difficult. For example, to tell all about a car would require its appearance, manufacture and manufacturer,what percentage of parts are made in which countries, cost of upkeep, mileage (city andhighway), cost (basic and with any and all combination of options), sales and excise taxes per state, preparation costs, insurance costs per state and locale, ride characteristics (noise by dbinterior and exterior, ergs required for steering and braking, relative comfort of seats, length of reach required to use controls, degrees of lean when cornering), acceleration, braking distance atmany different speeds, etc.. All of this would require a documentary, not a commercial.Complete information is impossible to provide in an ad.Thus, for advertising, information must of necessity be incomplete, not discussing everythingthere is to know about the subject. In advertising, what appears is everything the writer thinks the

customer needs to know about the product in order to make a decision about the product. Thatinformation will generally be about how the product can benefit the customer.There is, of course, the concept of affirmative disclosure. This concept requires an advertiser to provide customers with any information that could materially affect th eir purchase decision.Lewis A. England, FTC Chair in 1974, said:"Sometimes the consumer is provided not with information he wants but only with theinformation the seller wants him to have. Sellers, for instance, are not inclined to advertisenegative aspects their products even though those aspects may be of primary concern to theconsumer, particularly if they involve considerations of health or safety . . . "The Federal Trade Commission deals with such omissions by demanding affirmative disclosureof such information, and backs up their demands with the force of law.Bias is being partial towards something, feeling that something is better or worse than other things. Biased information about a product is that which emphasizes what is good and ignoreswhat is bad about it. In advertising this is not only normal, but necessary. Of course an advertiser is biased toward her own product and against the competition: selling her product is the way rhemakes her money, and her competition's sales reduce that income. Thus any advertising will usewords and images that show how good rhea product is and/or how poor rhea competition's is.This is biased information, Different Types of Advertising Advertising is the promotion of a companys products and services carried out primarily to drivesales of the products and services but also to build a brand identity and communicate changes or new product /services to the customers. Advertising has become an essential element of thecorporate world and hence the companies allot a considerable amount of revenues as their advertising budget. There are several reasons for advertising some of which are as follows: y Increasing the sales of the product/service y

Creating and maintaining a brand identity or brand image. y Communicating a change in the existing product line. y Introduction of a new product or service. y Increasing the buzz-value of the brand or the company.Thus, several reasons for advertising and similarly there exist various media which can beeffectively used for advertising. Based on these criteria there can be several branches of advertising. Mentioned below are the various categories or types of advertising: Print Advertising Newspapers, Magazines, Brochures, Fliersthe print media have always been a popular advertising medium. Advertising products vianewspapers or magazines is a common practice. In addition to this, the print media also offersoptions like promotional brochures and fliers for advertising purposes. Often the newspapers andthe magazines sell the advertising space according to the area occupied by the advertisement, the position of the advertisement (front page/middle page), as well as the readership of the publications. For instance an advertisement in a relativ ely new and less popular newspaper would cost far less than placing an advertisement in a popular newspaper with a high readership.The price of print ads also depend on the supplement in which they appear, for example anadvertisement in the glossy supplement costs way higher than that in the newspaper supplementwhich uses a mediocre quality paper. Outdoor Advertising Billboards, Kiosks, Tradeshows and EventsOutdoor advertising is also a very popular form of advertising, which makes use of several toolsand techniques to attract the customers outdoors. The most common examples of outdoor advertising are billboards, kiosks, and also several events and tradeshows organized by thecompany. The billboard

advertising is very popular however has to be really terse and catchy inorder to grab the attention of the passers by. The kiosks not only provide an easy outlet for thecompany products but also make for an effective advertising tool to promote the companys products. Organizing several events or sponsoring them mak es for an excellent advertisingopportunity. The company can organize trade fairs, or even exhibitions for advertising their products. If not this, the company can organize several events that are closely associated withtheir field. For instance a company that manufactures sports utilities can sponsor a sportstournament to advertise its products. Broadcast advertising Television, Radio and the InternetBroadcast advertising is a very popular advertising medium that constitutes of several brancheslike television, radio or the Internet. Television advertisements have been very popular ever sincethey have been introduced. The cost of television advertising often depends on the duration of the advertisement, the time of broadcast (prime time/peak time), and of course the popularity of the television channel on which the advertisement is going to be broadcasted. The radio mighthave lost its charm owing to the new age media however the radio remains to be the choice of small-scale advertisers. The radio jingles have been very popular advertising media and have alarge impact on the audience, which is evident in the fact that many people still remember andenjoy the popular radio jingles. Covert Advertising Advertising in MoviesCovert advertising is a unique kind of advertising in which a product or a particular brand isincorporated in some entertainment and media channels like movies, television shows or evensports. There is no commercial in the entertainment but the brand or the product is subtly( or sometimes evidently) showcased in the entertainment show. Some of the famous examples for this sort of advertising have to be the appearance of brand Nokia which is displayed on TomCruises phone in the movie Minority Report

, or the use of Cadillac cars in the movie Matrix Reloaded . Surrogate Advertising Advertising IndirectlySurrogate advertising is prominently seen in cases where advertising a particular product is banned by law. Advertisement for products like cigarettes or alcohol which are injurious to heathare prohibited by law in several countries and hence these companies have to come up withseveral other products that might have the same brand name and indirectly remind people of thecigarettes or beer bottles of the same brand. Common examples include Fosters and Kingfisher beer brands, which are often seen to promote their brand with the help of surrogate advertising. Public Service Advertising Advertising for Social CausesPublic service advertising is a technique that makes use of advertising as an effectivecommunication medium to convey socially relevant messaged about important matters and socialwelfare causes like AIDS, energy conservation, political integrity, deforestation, illiteracy, poverty and so on. David Ogilvy who is considered to be one of the pioneers of advertising andmarketing concepts had reportedly encouraged the use of advertising field for a social cause.Ogilvy once said, "Advertising justifies its existence when used in the public interest - it is muchtoo powerful a tool to use solely for commercial purposes." . Today public service advertising has been increasingly used in a noncommercial fashion in several countries across the world inorder to promote various social causes. In USA, the radio and television stations are granted onthe basis of a fixed amount of Public service advertisements aired by the channel. Celebrity advertising although the audience is getting smarter and smarter and the modern day consumer gettingimmune to the exaggerated claims made in a majority of advertisements, there exist a section of advertisers that still

bank upon celebrities and their popularity for advertising their products.Using celebrities for advertising involves signing up celebrities for advertising campaigns, whichconsist of all sorts of advertising including, television ads or even print advertisements. Advertising; New Effort by Insurance Institute LEAD: IN carrying out the industry's mandate, the 29-year-old Insurance Information Institute publishes brochures, monographs and books; does original rese arch; sponsors seminars, andtrains speakers for radio and television.IN carrying out the industry's mandate, the 29-year-old Insurance Information Institute publishes brochures, monographs and books; does original research; sponsors seminars, and trains speakersfor radio and television.In the last five years it has discovered the masscommunications value of advertising. At first thecommitment was a small one, an inexpensive print effort in the so-called thoughtleader magazines, or small-circulation intellectual publications. Then it moved cautiously intotelevision, and before you knew it the institute was spending millions of dollars annually on suchcauses as cracking down on drunken driving and curbing liability litigation.Mechlin D. Moore, president of the institute, and Alan M. Siegel, chairman of Siegel & Gale, thedesign firm that does its advertising, have a number of stories that they say show theeffectiveness of their efforts.At the moment they are awaiting the beginning of the 1988 advertising campaign, which, despitethe great successes of recent television commercials, will be entirely in magazines. The reason,Mr. Siegel said, is that the client wants to give a selectively targeted audience a lot of information and offer even more information through couponed ads.With a $6 million budget, it will run 74 two-page black-and-white spreads between now andDec. 31 in magazines.''We will reach 74 percent of all adults, 18 and above, about 11 times,'' said Eliot Pussman,executive vice president of Siegel & Gale.This year's campaign, Mr. Siegel said, ''extends the image campaign to explain how theinsurance mechanism works, speaking of the benefits in addition to economic protection.''Using specific examples, ads tell all the things that insurance companies did for a homeowner and a small business that were burned out. Another ad talks

about help following theft in both ahome and a business.The magazines on the schedule are a combination of business publications and news weeklies:Time, Business Week, U.S. News & World Report, Sports Illustrated, Forbes, Venture, Money,Fortune and Inc. The media buying is being handled for Siegel & Gale by the well-known SFM MediaCorporation, since setting up a media department is something Siegel & Gale, which is basicallya design firm interested in corporate identity programs, is not prepared to do.Mr. Siegel said about 30 percent of the company's revenues were currently coming fromadvertising.The advertising world apparently is like a black hole. People who never expected to be part of itsuddenly find themselves in it and, frequently, thriving. It usually happens simply enough whena client, who admires the firm's communications abilities and creative talents, pushes the supplier into the business.For art studios and identity firms this is no giant step. In the case of Siegel & Gale themetamorphosis was almost inevitable given the fact that Alan Siegel began his business career atBatten, Barton, and Durstine & Osborn.Most advertising clients of the 20-year-old Siegel & Gale, a subsidiary of Britain's Saatchi &Saatchi, started as clients for identity programs. The clients, some of which have only assigned projects, include USX; Chubb Group of Insurance Companies; General Electric InformationServices, Capital Holding, Mellon Bank, J.C. Penney, Citicorp and the American Stock Exchange.The Insurance Information Institute is the biggest advertising client. It started advertising because the 300-orso property insurance companies making up its membership felt that ther ewere issues that called for an industry point of view.The institute's first campaign had to do with the dangers of drunken driving. That was followed by a promotion for air bags and then by a campaign dealing wit h what it identified as ''civil justice problems,'' or the explosion of liabilit y suits. Last year, the advertising on televisionaddressed itself to the

industry's contributions in the area of auto, product and workplace safety.When you want to advertise about your truck insurance products and services, you have so manyoptions. You can choose from the different types of advertising available to you to convey your message.You can use TV advertising, press advertising, mobile billboard, web advertising, phone calls,word of mouth advertising, yellow page advertising, radio advertising, product placement and soon for commercial truck insurance and cargo insurance advertisements.The effectiveness of a truck insurance advertising depends on its use, target, investment, creationand implementation. The effectiveness is also affected by the support of one to another. In a communication program, the medium has role to play. The effectiveness depends on the playingthat role successfully.You may be provided with biased information about the effectiveness of a truck insuranceadvertising type, by the players working in that field of truck insurance. So for a neutral idea onthe effectiveness you have to see all the perspectives.Every commercial truck and cargo advertising type has its effectiveness in some places and insome situations. It depends on when and how you use it. Make an advertising campaigninnovative and interesting to get success with it. To see an example of a good advertisement see National Independent Truckers Insurance Company, RRG. created TV commercial atSo many variables decide the effectiveness of the advertising type in case of truck insurance andcargo insurance. The size of ad, time of placement, target audience, the advertisement itself etcdecide the effectiveness of that type of advertising. Creativity is another big factor in cargo andtruck insurance advertising. Following are the factors that help in measuring effectiveness of a type of advertising used in commercial truck and cargo insurance. They are the metrics inadvertising.

Impressions- Number of people exposed to the advertisement.Frequency - number of times your truck insurance advertising reached each peopleClickthroughs The number of people who clicked on your advertisementPost-impression visitors Visit by the visitor, at a later timeWebsite traffic in unique visitors increase in word-of-mouthSales what is the number of sales, amount of sale etc. Some of the statistics that shows theeffectiveness and increase in the use of different advertising type.In US traditional media is still have a big place in advertising. There are 13,599 radio stations,2,890 broadcast TV stations, plus unlimited cable and satellite TV outlets, 2,366 dailynewspapers, thousands of internet sites are working in the advertising field. There are also other players like direct mail, magazines, outdoor advertising, and other special and alternativeadvertising working in advertising.The revenue earning is varies according to the number of players. Radio earns $20 billionannually, TV stations, cable, satellite TV stations together earn $67 billion, newspapers earn $49 billion, direct mail earns $24 billion, outdoor advertising earn $6.8 billion annually in revenue. New media and technologies in advertising like blogs, mobile phone bas ed advertising, podcasting, satellite radio, cable TV programming ondemand and online social networks arealso doing well now.In general, considering each one alone, Press is the highest proportion revenue earner inadvertising. TV comes in the second position. Internet is growing at a very fast rate. Its share isrising in the advertising industry (source: Advertising Association).Search marketing represents 39% of all online advertising spending and will account for 44% of online ad spending in 2010. Share of the different search engine marketing ways are 51% on paidsearch ads, 12% on search marketing agency fees for paid search, 6% on paid inclusion, 11% onsearch marketing agency fees for optimization, 10% on contextual ads and 11% on other areas of search marketing. ---- Forrester ResearchAccording to a prediction, online advertising market will grow nearly $10 billion over the nextfew years. Internet advertising will increase from $6.6 billion in 2003 to $16.1 billion in 2009. ---- Jupiter Benefits

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Your articles will be sent to one of our over 400+ niche daily email alerts that notify our permission-based email list members whenever new articles are available that match their unique interest. Insurance Advertising - Discover How Independent Insurance Agents GenerateLeads Each day, more and more Insurance Agents are leaving the captive corporate world to ventureinto the realm of independent insurance agent. Rather than being locked into selling one major insurance carrier's branded product line, they opt to offer a larger variety of policies, services andcosts; coinciding with the demand of consumers wanting to have choices and options atcompetitive prices.As we are well aware, this is no longer a "seller's market", but an "informed buyer's". People, ingeneral, are armed with more information than ever before. So, how do you, the independentinsurance agent, stand out from the other 100's of agents in your city? What marketing avenuesare available to you so that you capture the prospective buyer's attention and convert them into a prospect and ultimately a long-term client? And which ones work? Regardless of your target audience, whether you have inched your focus to be product specific,or if you are targeting a certain population segment; you need to investigate the various forms of advertising available to you, the costs of such programs and the pros and cons.Below is a breakdown of the most commonly used forms of advertising for the independentinsurance agency, and the pros and cons of each. Television Advertising As the average American spends more time in front of the television, it should be no surprise thatthis is one of the most sought after forms of marketing available. larger and more diverse segment of the network, reaching your intended audience easier consumers are engaged by a combination of movement, color, what they see andwhat they hear, this gives most businesses a platform to achieve

prest Cost for hiring a marketing agency to lay-out and film your insurance - no longer are we impressed with someone reading off a teleprompt,they want to be enter recorders has increased, giving consumers the ability to fastforwardthrough commercials when watching their favorite showsMany experts would agree that if you have the extra capital in your marketing budget toincorporate television into your advertising that you should. However, it is important that youresearch different advertising firms to help you explore your options with regards to creatingyour on-air advertisement, the best way to target your audience and keep within your planned budget. Newspaper advertising and local weekly shoppers With regards to print advertisements, some independent agents turn to local newspapers andweekly shoppers to advertise their agencies. Since many households either subscribe to at leastone newspaper, or pick them up at their local newsstands, it is a fast and simple way to gainrecognition by consumers.

various advertisements in thedifferent sections of a newspaper have the choice of large or small circulation papers to advertise your

Multiple advertisement ad sizes to correspond with various usually read once difficult time standing out when placed next to distort images and photos in a way that can hurt your marketingrather compete for the reader's attentionLike television advertising, it would be prudent to consult with a professional marketing firm, preferably one that specializes in insurance marketing, to help you design an advertisement that best captures your targeted audience's attention. The smaller the ad s

pace the less detailed andcomplicated the ad should be.Also keep in mind the days the most sought after papers and weekly shoppers are printed. Therates for a large advertisement over the weekend will be greater than the same sized ad featuredall week long. Billboards and Signs. While most forms of outdoor advertising are contained within billboards and large signage, someindependent agencies have broadened the term to include park benches, posters and seat rails at public transit stops. This form of marketing has become a popular, les s costly way, whencompared with television and print advertising, to reach a larger audience in major metropolitanareas. 1 8 Pros: "turn off" outdoor

price due to size and location making it is easier to find one inyour engage a consumer's attention for Advertisements have to be simple and interesting enough for the consumer to remember ually contracted for a longer period of time than mostindependent agencies had anticipated securing them for stops work well in major metropolitan areas wherelower, middle and upper class alike share the same transportation systems, however, not aseffective in areas where public transportation is not as commonIf you feel various forms of outdoor advertising would be a compliment to your business andmarketing plan, consider placement wisely. Consult many firms for input and advice on the bestway to stretch your marketing dollar and how they can help you create eye-catching and simpledesigns for your sign.

Internet Advertising. Roughly 90% of all the households across the United States have access to the internet either athome, at work or at school; making advertising on the internet the fastest growing marketingmedium for independent insurance agents. That household percentage goes even higher for thosefamilies with a combined income of $100k or more. However, internet advertising gaining itsstrength only in the last decade or so, there is still a lot an independent agent would need toresearch, as with any form of advertising, before Cost- you can spend much or as little as your budget playing field - the internet gives the independent agent a chance to compete withthe large insurance carriers with regards to search engine or a video; any and all forms of advertising can be featured and found on relevant to a consumer's online searchwill pull up for them to look at. Someone searching for insurance agents in their area are moreoften than educated or informed by an agent's personal website - having outThe ever changing internet - each of the major search engines change what they search for onwebsites constantly with regards to how well they rank. Staying on top of these changes can bevery time consuming or expensive if you pay a - consumers are becoming skeptical of entering their personal contactinformation online for fear they will have their personal information stolen or sold totelemarketing companies and be subject to unwanted emails or phone callsThere are so many options and services available to the independent insurance agent toeffectively market themselves and attract more leads. The form of advertising you choose

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Bibliography. http://www.directtruckinsurance.com. http://www.eziearticles.com http://www.coverneinsurance.com http://www.directtruckinsurance.com http://www.6izzle.com/author.aspauthor=11807 http://www.wsu.edu:8080/~tafline/rhe.html