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Do you want a right to repair?

Go back thirty years and vehicle theft rates were rising steadily every year. It seemed almost anyone with a wire coat-hanger and a screwdriver could open a car door and drive it away in under sixty seconds (if you believe the movie). Then there was a slow revolution as electronic keys and alarm systems came to be standard, fitted by the factories and released into the wild. Then as the GPS satellites were launched, it become possible to fit tracking devices that would enable the owners or law enforcement agencies to track a vehicle and recover it (assuming it had not already been broken for spares. The final development was the fitting of immobilizers. These devices added to the protection offered by electronic keys so that even if potential thieves accessed the wiring systems, they still could not drive the vehicle away. The results have been the steady fall in vehicle theft rates. Although some makes and models remain relatively easy to steal, the majority are now only vulnerable to the more professional thieves.

All this has left one problem. If the vehicle breaks down and the owner leaves the site with the key, how does the repair shop get into the vehicle to return it to the shop for repair? Obviously, it’s also necessary to be able to start the vehicle to diagnose the problem and test whether the repairs have been effective. To make this possible there’s a secure database system open to licensed repair shops, locksmiths, law enforcement agencies and any others who have a legitimate reason for needing to override the vehicle systems. This database contains full details of the all the key and PIN codes to reset the immobilizer and start the engine.

Let’s now move over the Massachusetts which has enacted a law requiring insurance companies to give automatic discounts to all owners who have anti-theft and vehicle-recovery systems in place. At their maximum level, this can reduce the premium rates by 35%. This makes Massachusetts one of the most affordable states in which to insure. On average, local drivers spend less than 3% of their net pay on vehicle insurance. Not surprisingly, the number of uninsured drivers is also low tending to prove the point that, if you make insurance affordable, the majority of people obey the mandate. That said, Massachusetts now proposes to add a “Right to Repair” Bill to its statute books. This would make the currently secure database more widely accessible. All the “authoritative” bodies in the policing and insurance industry are against this proposed law. They believe it will lead to the information about codes falling into the wrong hands and reverse the falling trend of vehicle theft, not just in Massachusetts, but nationally. It seems if the local codes can be studied, it would be possible to deduce a method for cracking the codes in other states. Read the rest of this entry »

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How to Market Big on a Small Budget

Many small business owners would love to have the creative license to develop large-scale marketing campaigns like those launched by international corporations that spend millions on advertising each year. However, this isn’t a possibility for the majority of small-scale operations. Regardless of the size of your budget, there are always things you can do to reach new potential customers. Everyone appreciates free things, so why not look into ways that you can market your company at no cost? Believe it or not, it’s possible.

The following are free techniques that small businesses can use for marketing:

• It doesn’t cost anything to set up a social media account on Facebook or Twitter, and anyone can manage one of these pages if they are dedicated to learning the most effective techniques. Searching for friends based on geographic location may help your small insurance agency become the go-to source for local news and policy information.
• Craigslist has essentially eliminated the need to pay for pricey classifieds in local newspapers. Take advantage of these services by posting your business information under both state and town-specific categories.
• Many communities have networking events for local business owners. Take this opportunity to meet leaders from other industries with whom you may be able to set up a reciprocal advertising agreement. For example, local agents who offer insurance may be able to post flyers at a neighboring real estate agency and vice versa.
• Media sources are always in need of free content to fill their pages on slow news days. Business owners can write a press release if their company has received an award, accomplished a goal or if they simply want to offer advice to individuals within the community.

Companies are playing it safe when it comes to spending on marketing. The economic downturn has left many businesses scrambling to pay for the necessities, and sales efforts have suffered as a result. It may take a little creativity, but it is possible for small businesses with a small marketing budget to build a name for themselves, even if they achieve this simply by providing superior customer service that makes all of their clients want to refer them to their friends, family and coworkers.

JT Miller insurance offers protection for financial institutions including loan protection and lender insurance.

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