Using natural light wherever possible, fitting LED lights and generally using power-efficient equipment reduces heat and the risk of fire. It also makes the premises more comfortable and popular with customers. Ask your insurer whether there are incentives to upgrade the building by fitting energy-efficient systems. If you comply with the Leadership in Energy and Environmental Design (LEED) standards, the Insurance Information Institute reports that, as from 2010, there are more than twenty insurers offering up to 10% discount on premium rates. One of the factors you might want to consider is the use of solar or wind power. Ignoring the capital cost to produce enough electricity to allow you to “go off the grid”, one of the main worries is the risk of outages. Some insurers are now offering specialized business interruption coverage to boost confidence.

When it comes to the vehicles used in the business, some of the commercial auto insurers offer discounts if you buy or lease hybrids. Even though you may not be impressed by the claimed threats of global warming or climate change, the insurance industry is firmly on the side of reducing emissions. The better the fuel-economy of your fleet, the lower the premium rates are likely to be. Similarly, the idea of pay-as-you-go will both save you money on the premium rates if you reduce milage to the absolute minimum and persuade your employees to drive more safely. The more safely and efficiently you run the fleet, the lower the premium payments. It also makes an excellent add-on to your marketing to show how much you care about the environment and that you are committed to reducing America’s dependence on imported oil. If you build environmental factors into your current risk management system, there’s a real chance of improving your bottom line, negotiating discounts on your business insurance rates, and giving yourself some marketing copy that will enhance your reputation with green customers. In this instance, there’s no reason why your skepticism about climate issues and other environmental factors should stand in the way of improved profits. Talk this through your your business insurance advisor to find out what your state’s insurance industry has on offer if you do decide to become more eco-friendly.

It would be much better if the Internet was used not as a smokescreen to suggest a reasonable quality of service, but as a means to improve the customer experience. At some point, the quality of this aspect of service will come back into focus as a way of distinguishing between faceless corporations. For example, let’s take the world of insurance. If your car is involved in an accident, what you want is a smooth system for handling your insurance claim. This involves the minimum fuss in submitting the claim online, the identification of suitable repair shops for performing the work, getting quotes with the least delay, and agreeing which repair station will actually be addressed. It’s evident that all this administration needs to be fast because, if your vehicle is off the road, there are storage charges mounting up and rental charges for a substitute vehicle. Consider this across the thousands of other policyholders and the cost to the insurers is higher than it needs to be. If this loss is controlled, premium rates can be stabilized if not reduced. It’s good for all.

This emphasizes the importance of supporting a new website and mobile app for Android and the iPhone that will improve the situation. These allow you to upload photographs of the damage using your phone or camera equipped gadget, and circulate those pictures to bodyshops approved by your insurer near to where you live. The shops on their hand keep the site updated on whether they have spare capacity and offer an estimate of the cost of repairs within 24 hours. And since the site works with insurers to limit the list of repairshops to those preapproved by the insurers, there’s a minimum of delay in processing the claim and costs are kept to a minimum. Right now, this is still at a beta stage with five car insurance companies in a limited number of states. Nevertheless, assuming the trial is a success, we could see this rolled out across the country. In case this innovation actually helps reduce administrative delays and associated costs, we will see stable car insurance rates. Of course, it doesn’t necessarily mean that it will be the cheap car insurance we all want to see, but it’s a good step in the right direction. It should also be a serious sign to the other slumbering giants on both sides of the fence. There are too many people who will benefit from such innovations to keep these improvements outside the industry.

Complete Driver Education Classes

Most insurance companies will not even consider insuring a teenage driver who has not taken and successfully completed an approved driver education class. These classes include instruction on driving laws as well as hands-on driving lessons. There are different levels of driver education. Most students complete the basic level. But insurance companies prefer the advanced level because it includes instruction on defensive driving, bad weather driving, and how to avoid a crash. Insurance companies offer deeper discounts for this advanced instruction with the expectation that teenagers will be better drivers.

Drive a Safe Car

New drivers want the coolest car on the block. But to get a discount on their insurance, they need the safest car available. When calculating rates, insurance companies consider the type of vehicle teenagers will be driving and the cost associated with repairs or replacement if the teenager is involved in an accident. Do not skimp on safety to get a lower rate – teenagers need a safe car more than they need to save a few bucks on their insurance costs.

Achieve Good Grades in School

Just about all insurance providers have “good student” discount programs that allow students to submit their report cards to receive a reduction in premiums. The thought behind this is that if teens can work hard enough to make good grades, they will probably be just as diligent with their driving.

Establish Credit

Teens may be able to get a small department store credit card that their parents co-sign for so they can establish personal credit. Again, auto insurance companies correlate the teen’s ability to manage their credit with their driving ability and will lower rates for those teen’s who establish personal credit.

This article examines ways student drivers, especially teenagers, can get discounts on auto insurance coverage. By meeting certain criteria, student drivers can obtain affordable auto insurance that offers quality coverage in case of an accident.

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