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4freequotes.com offers access to insurance agents, brokers & companies in all 50 states. Request quotes on 10 lines of insurance- including: auto, home, life, health, renters, car, commercial auto, & motorcycle. auto insurance rates are available in real time in several states from leading insurance companies.

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Continuing Education
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continuing education from
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Guide
See our consumer poll results
Over the last few months we have been polling visitors on various topics including the value of agents. Please see our results to gain insight into the online shoppers thought patterns.

Software

Tucows
Incredibly popular site with programs that can help make your online development plans come to life!
Dave Central
Another great software site with many more downloads
Insta-Poll
Poll your site's visitors on just about any topic. Excellent program, and it's free! See our poll results
WebPosition
Track your site's ranking under various searh terms. Very inportant tool for the serious webmaster.
Submission Wizard
Automated web site submission tool. What a time saver.

Programming

cgi-resources.com
Scripts that can bring your site to life with the tricks you see on high end sites.
Builder.com
As the name implies, you will find tutorials and step- by-step instructions on Javascript, cgi & html.
Javascripts.com
Learn just about any aspect of Javascript through user submitted scripts with comments. Awesome!
Javascript made EZ
175 scripts complete with documentation.
ScriptSearch
Over 5000 scripts written for a variety of platforms. Beautifully designed site.
Java Applets
Anfy Java makes the most affordable java applets we have found and they enhance your site terrifically. The best $20 we have ever spent.
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Search Engine Tips

There aren't any magic formulas to achieving success on the web, but there are many sites that offer invaluable tips to the would be web entrepreneur. Your success can come from three sources:

1. Search Engine Listings:
        Search engine listings are free, but there is a serious barrier to entry: there are only 30 top 30 positions and if you are not in them, your site will not see much in the way of traffic. Considering there are hundreds of thousands of insurance web sites, it will be difficult task to crack the top 30. We have literally spent thousands of hours closing in on what the search engines consider relevant pages. SIDE NOTE-
if you ever come up with a page that ranks in the top 10 consistently, COPYRIGHT IT or it will be stolen and plagiarized! There are many books and sites devoted to cracking the search engines and I would say this: if you cannot find their site while searching for search engine tips, or search engine promotion, what makes you think they can help you? There are several sites that actually offer great information on making headway in the search engines most of which are accessible from www.searchenginewatch.com.

The most important listing you can have according to the volume of internet users utilizing their site is in Yahoo. Yahoo is a directory, not a search engine. What does this mean? It means that most people will find you by navigating text links, not using a search term. This eliminates the top30 problem mentioned above. We can tell you first hand that it is not easy to acquire a listing, but it is possible. Why do we say this? In their Insurance Brokerages category, there are only 147 brokerages- hardly a representative sample of the entire country, yet it has remained at this level for some time. Your best bet is to apply for a listing in your state and local area. Your site will be reviewed by real people, so appearance and content count heavily.

Similar in structure to Yahoo, is Netscape's Open Directory Project . The major difference is that Netscape's directory is actually accepting listings! It has gained significance quickly in the search engine wars due to Hotbot and Lycos' utilization of their database. What this means is that when you conduct a search on Hotbot or Lycos, the search results are actually pulled from Netscape's database- so in effect, one listing gets you a position on three search engines!!! Not too shabby...

In our opinion, there are three sites that drive tremendous targeted traffic and deserve credit for not denying listings to anyone who submits a page unless they violate the rules: ExciteInfoseek, and AltaVista. In addition to offering free search engine listings, they offer a directory of reviewed sites, similar to Yahoo. 4freequotes.com has had the honor of being reviewed by Exite and Infoseek. Their editors are fair in their assessment of your site, and both are equally important to your success- the traffic that comes from them is tremendous. . AltaVista has gained popularity and will become the search engine for the Microsoft Network according to recent press releases. This will make any listings you are able to acquire in Altavista even more valuable! A new breed of search engine has been created with the introduction of GoTo.com where you bid on listings. Unfortunately, this method will eventually be owned by the deep pockets, but while it is still affordable, is worth a try. Example: lets say you want to be found when someone searches for "State Farm Insurance" because you're a State Farm agent. Well, you can pay 10 cents per click to appear first in their search results, so if someone clicks on your listing it costs you 10 cents. Hotbot and Lycos are very important to your success as well with both offering free listings. It can take up to 4 weeks to see your listing in the search engines, which gives you plenty of time to seek out those other search engines I mentioned above.

Often overlooked is the fact that the more popular your site is, the more relevant your listing becomes with certain search engines. Find any and all search engines that have a category in which your site is appropriate and submit it. It takes some time, but there are several aids in tracking your success, the best of which is WebPosition. This powerful piece of software queries the search engines under typical search terms to see where you rank and has been one of the best $100's we have spent! Most important once you have established positions in the search engines is that the software's reports will alert you to changes in your listing and believe me, your listings can mysteriously disappear!

2. Links From Other Sites
        Links from other sites can bring more traffic than you would believe. Seeking out related, but not directly competing sites who will swap links with you can make a world of difference in the long term. If you are an insurance agent, find mortgage brokers, accountants, auto dealers, etc. who have visitors that need your services and suggest a link swap. Create a separate page on your site for these links once they begin to clutter up your home page. Create a small banner that others can display on their sites. Need a program? See the list of sites in the left column that have more software then you have time!

3. Radio & Print Advertising
        While fairly self explanatory, print and radio should not be overlooked. The radio still possesses incredible reach and print media can have a great shelf life. Most importantly, ADD YOUR WEB ADDRESS TO EVERY PIECE OF STATIONERY YOU HAVE- your business cards, your Yellow Page ad's, your letterhead, envelopes, etc. This way people can look at your site and request quotes regardless of the time of day. Not everyone works 9-5 and the internet has made a market in this fact.

ONLINE QUOTE FORMS

Once your site is established, you will need quote forms and feedback forms to allow users to communicate with you without placing a phone call. The forms must have clear navigation, they must be easy on the eyes and above all must be validated. By validation, we mean that the user cannot submit them with only a first name and the car he drives. This is useless information and you will waste precious time chasing incomplete leads. If you don't wish to create the forms, you can lease the use of our forms from your site for $150 per year. Try creating a form and you will see what a bargain this is. Click here to learn more.

RESPOND TO THE INQUIRIES

Now that you have quote forms and are receiving quote requests, it is imperative that you reply promptly to the consumers who inquire. What you will need to do is create reply templates(similar to form letters) that you insert into your replies to the prospects. You will soon see the need for these form replies as typing coverages line by line will wear on you quickly. For some examples, see here.

FOLLOW UP

You will certainly close more sales if you follow up your quotes with a call (unless the prospect omits the # or say's don't call). Any salesperson worth their phone skills can close a warm sale. Remember, the prospect sought a quote from you and is interested, don't overlook the fact that there is a person on the receiving end of that email. Many agents have written off the internet because they think a rate in an email message will sell the policy- NOT TRUE! A salesperson sells the policy, unless the rate is 50% less of course.

 

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