Understand Auto Insurance to Generate Leads

There are a number of ways you can market auto insurance and attract customers. By recognizing and utilizing the different ways you can market auto insurance, you can better target consumers and generate the consumers you are seeking.

The most important thing to remember is to know your target audience. Know what it is they are looking for. When you know their wants, needs and can respond to them it helps build trust which helps you generate more leads.

You also want to make sure your website is mobile-friendly. Many people now forgo the use of desktops for their mobile phones and tablets so make sure your site and advertising is visible to mobile customers and easy to access.

There are a number of things you need to know about auto insurance so you can market to consumers effectively. Some common aspects of auto insurance that you should be able to explain simply and effectively include:

  1. Coverage basics. The basic elements of auto coverage include:

    • Liability — this pays for any medical and property damage resulting from an accident. This is mandatory.
    • Collision — pays for any repairs to the car, even when the driver is at fault in an accident. This is optional.
    • Comprehensive — this covers anything that happens to your car other than an accident. It includes vandalism, theft, and damage from fire, flood, or other hazards. This coverage is optional.
    • Uninsured Motorist — this covers any damage if the driver at fault is uninsured.
    • Personal Injury Protection — this is required in no-fault states but optional in others and pays any additional medical costs due to an accident that liability doesn't cover.
  2. No-Fault Insurance. No-fault and fault insurance varies from state to state. This type of insurance covers the drivers for damages resulting in an accident regardless of whose fault the accident was. Drivers are paid by their own insurance companies. It can also restrict damages sought in court.

  3. Rate Factors. Insurance rates will vary based on a number of factors.

    • Driver's record - accidents, traffic violations, and speeding tickets can all affect the rates drivers will pay for insurance coverage.
    • Location — insurance companies will sometimes determine rates based on the neighborhood people live in. Factors include road conditions, the number of accident claims in the area, crime rates, and weather.
    • Occupation — certain occupations tend to make for safer drivers, such as teachers, scientists, and engineers.
  4. Discounts. Insurance companies can give discounts on rates based on a few factors, including for the type of vehicle someone drives, if they own and insure more than one car, and discounts based on safety features on their cars.

There are a number of factors publishers must consider when marketing for auto insurance. The more information you can provide, the more likely you will be to attract consumers.