How to Get the Lowest Hotel Rates for Business Travel

If this is the year that your business is taking a fresh look at reducing lodging costs, join the crowd.

A new survey of travel managers, conducted by Carlson Wagonlit Travel’s Travel Management Institute, puts optimizing hotel spend among the top priorities this year for the travel managers surveyed.

With industry experts forecasting hotel rate hikes this year, many companies are looking for better workforce travel savings and solutions. For many, the solution is putting a lodging savings card in the hands of their employees who travel.

It gives small business travelers access to the low hotel rates that are negotiated privately by lodging management providers for larger corporate clients.

The savings card is particularly aimed at businesses with workforce travelers, those employees who hit the road in boots – not suits – to get the job done. Typically, these travelers stay in economy and midscale hotels like Best Western, Hampton Inn, Ramada, Holiday Inn, Super 8 and Comfort Inn.

No More Bargain Rates
Having an advantage like a lodging savings card is more important than ever this year since hotel deals and bargains are going to be tougher to find.

The January 2011 forecast from PricewaterhouseCoopers said hotel prices will be 5.1 percent higher than last year, citing Smith Travel Research data. Colliers PKF Hospitality Research estimates a 4.6 percent rise.

These rising prices likely will make it tougher difficult for businesses – particularly small businesses -
to negotiate their own low rates.

Finding Privately Negotiated Rates
The key to getting the lowest hotel rates is having enough volume to negotiate a private rate. Small businesses usually are hampered by low volume, which drives the lower rate negotiations that larger companies and lodging management providers can achieve.

Unless a small business is targeting a location where it has 25 room nights or more a month, it can be difficult to get a private rate that is lower than other publicly available prices.

A lodging savings card provides access to those low negotiated rates at thousands of hotels. Many companies find their hotel savings are dramatic, including companies that save thousands of dollars a year.

Savings Card Advantages
The card works particularly well for per diem and seasonal travelers since there is no annual fee or minimal usage requirements.
A company signs up for the card and registers a credit card for billing. Company travelers present the card at check-in to the front desk at any of thousands of participating hotel locations.

The hotel sends the stay details to the lodging management provider that provides the savings card, who then bills the registered credit card.

An invoice statement is posted to the savings card online account, where the company can review it for easy credit card reconciliation. That means no more tracking down hotel receipts or playing detective work with purchase orders.

More than 10,000 smaller companies from the trucking, retail, staffing, energy, food service and other industries already are saving every day.

Find Very Competitive Rates for Individual Health and Medical Insurance

With the number of health insurance companies, it could be overwhelming to find a health insurance at competitive rates. There is a continuous rise in the cost of health and medical facilities, thus health insurance is a safer option to meet the needs, when arises.

There are several players in the market today, who offer competitive rates for individual health and medical insurance. With so much alluring plans around, it becomes extremely difficult to fix upon the one that will not only suit our needs but also help us save some money on the policy. Hence, if you are planning to buy a medical insurance plan, the best place to start is by making a comparative chart of benefits versus the premium rates offered by various players.

So, for instance, if you are in the United Kingdom, take note of all individual medical insurance plans offered by different firms in the area. You can get hold of the exact amount of premium you need to pay, as well as the coverage offered by each competitor in the market, easily. All you need to do is to give them your personal details, such as the age and home postcode, to get hold of a detailed quotation. With a few quotations from different insurance firms, you can start your initial verification and comparison processes.

There are certain factors that help you in your collation process.

The premium rates offered
The comprehensiveness of cover
The terms and conditions of the policy

Although your primary aim is to find the best and affordable policy, checking out the other two factors given above, will help you get hold of the best product, at a comparable rate.

Alternatively, if you find such comparisons and collations a tedious process, try out the insurance advisors to help you decide on a perfect plan. The insurance brokers or advisors can aid in picking out the cheapest individual medical insurance policy, and also can look into the comprehensiveness of cover as well as the terms and conditions. The best part is that there are brokers in the market who do the preliminary observations without charging you anything for their work.

So, buy the best individual medical policy in the market, either by comparing the policies yourselves or through a broker, to get a comprehensive medical cover for life, at an affordable rate. For more information regarding health insurance plans you can visit health insurance companies websites.

American Health and Life Insurance Company – How to Find One That’s Right For You

If you are in need of health insurance in America you can contact an an American health and life insurance company for more details. By getting the perfect life insurance policy from an an American health and life insurance company you can ensure the financial security of your spouse and kids.

At the time of crisis especially an insurance policy can make a huge difference to your family. The needs of your family can be covered easily through the insurance plans that are available in plenty. Before deciding on an insurance plan from an American health and life insurance company you can undertake research and find out about various insurance policies available.

You can get free quotes online. You must try to find out an insurance policy that can offer maximum insurance for a reasonable fee. You can find cheap health insurance quotes online with the help of some research. You can save a lot of time and energy by trying to meet your insurance needs online. Also you may be able to understand about various insurance plans offered by several companies.

Free life insurance quotes are provided by many sites. Once you get your quotes you can choose agencies that offer you quote at an affordable fee. You can take up comparison shopping before getting America health and life insurance. You can know about the process of acquiring insurance easily by asking for information from people who may have bought insurance before you. You can decide whether you can get the insurance plan based on their feedback.

You may just have to provide some minimum details about yourself such as your name, address, age and gender in a form while trying to get a quote online. You can get competitive policies from several companies after you fill the form. By comparing these quotes you can decide on the firm which you feel could meet your needs in the best possible way.

The consequences of not having a health insurance policy can be disastrous especially during times of financial burdens or serious medical conditions. Only with a health insurance policy in hand can you protect your loved ones from these unforeseen mishaps. Your insurance agent will be able to guide you regarding lowering of premiums.

A higher deductible can also be set which can be of help before the coverage kicks in. The rise in medical costs is the primary reason why you must get health insurance quotes now. Even the most common surgeries can burn a hole in your pocket if you dot possess a health policy. You can trust an American health and life insurance company for affordable health insurance.