ACHIEVING AND UTILIZING A GSA SCHEDULE

Link to Ken Larson Counseling Request:

http://www.micromentor.org/

Key Words: "Federal Government Contracting"

I. INTRODUCTION

Your small business is established in the federal government contracting sector. You have become a member of the government contracting community by registering with the Central Contractor Registration (CCR) Data Base. You have proposed, negotiated and have been awarded your first government contract(s) and have a successful past performance history with the government in selling your products and/or services.

On several occasions open solicitations or procurement activities have referenced a ," GSA Schedule", as a qualification criteria or as a venue by which to buy items or services you can supply. This article will discuss the GSA schedule program, how to apply for and negotiate a schedule for your company and how to utilize it as a sales and marketing tool.

II. THE GENERAL SERVICES ADMINISTRATION (GSA)

From the GSA Web site:

"Founded in 1949, GSA serves as a centralized procurement and property management agency for the federal government. GSA manages more than one-fourth of the government’s total procurement dollars and influences the management of $500 billion in federal assets, including 8,300 government-owned or leased buildings and 205,000 vehicles. GSA helps preserve our past and define our future, as a steward of more than 420 historic properties, and as manager of USA.gov, the official portal to federal government information and services. GSA’s mission to provide superior workplaces, expert technology solutions, acquisition services, purchasing and E-Gov travel solutions and management policies, at best value, allows federal agencies to focus on their core missions.

GSA’s Disaster and Emergency Operations Vendor Profile form puts small businesses on the government’s radar so they do not miss out on federal contract opportunities in a time of disaster. More than 1,500 small businesses have used the online form to identify themselves."

Putting it simply the GSA is a federal government buying agency. It performs many buying-related activities which you can read about at the GSA Web Site:

http://www.gsa.gov/portal/category/100000
GSA is empowered to accept procurement requirements from all other federal agencies, locate and source qualified bidders and negotiate pricing for supplies and services on behalf of the government. Although all federal agencies perform procurement themselves that is peculiar to their individual domains, a vast number of products and services, particularly those common among agencies, are procured by the GSA. Over the last 10 years the GSA has sought to establish economies of scale through volume buying.

III. THE GSA CONTRACTING PROCESS

To equitably compete and pre-position terms, conditions and pricing for supplies and services, the GSA divides what it procures among various commodities and services lists with generic schedule designators. The agency also assigns procurement contracting officers to each schedule who conduct regular open advertising against the schedules through solicitation. The schedule numbers and contracting officers are listed at the following web site:

-->

http://www.gsa.gov/portal/content/207509

Each open solicitation for a generic schedule is published at FEDBIZOPPS, the portal for all federal government solicitations over $25k. The open solicitations contain details, specifications, terms, conditions and pricing instructions for the specific items on the schedule. Contractors prepare proposals in response to the open solicitations and submit them to the schedule contracting officer. The proposals are audited and negotiated like any other federal procurement. The term of the negotiated schedule is usually multi-year and can be as long as 5 years in duration so being able to develop and hold your pricing for the period of performance is a key factor.

Upon completion of negotiation, a specific supplier is granted a company-unique schedule identifying number under the applicable generic GSA schedule. The pricing, terms, conditions and validity duration are set for the specific company and the schedule number is unique to the firm. The company schedule is then authorized by the GSA for publication on the web for use in subsequent proposals to government agencies. The company GSA schedule is listed at the GSA Advantage Web Site and becomes part of the data base which government buyers can search.

Granting a GSA schedule to a company does not constitute a sale of goods and services. It simply establishes the pricing and the contract vehicle for readily buying from that company by a federal agency. A GSA Schedule saves time and effort for the buyer and it can be presented by the seller at his web site as an expedient way to get under contract with a federal agency. The agency places the order through the GSA. The GSA adds a small fee to the price of an item or service which the contractor collects from buying agency and pays to the GSA. The fee funds continued GSA operations and services. Under competitive conditions, sellers are authorized to offer discounts from their GSA schedules in the proposals to prospective agencies. State governments are also allowed to buy off GSA schedules.

Federal agencies can put in place blanket purchase agreements (BPA's) through the GSA with specific companies for long term buying. GSA also conducts Government Wide Acquisition Contracts (GWAC's) for IT and other technologies. Recent examples of a GSA GWACS for large and small business are the Alliant and Alliant SB Programs.

IV. BASIC STEPS TO APPLYING FOR AND NEGOTIATING A GSA SCHEDULE:

A. Register Your Company in the Central Contractor Registration (CCR) Data Base
If you are not familiar with this process please utilize for guidance the menu item at this site on registering your small business for federal government contracting:

http://www.smalltofeds.com/2006/12/registering-your-small-business-for.html


B. Obtain Your "Open Ratings", Evaluation

Open Ratings is a service run by Dunn and Bradstreet that the GSA uses. It out sources what would have to be done by the GSA Staff in terms of initial past performance ratings in response to GSA Schedule Applications. Here is a web site to learn more about it:

Open Ratings


The site explains the process and shows some sample reports.

C. Locate your Generic GSA Schedule:

Examine the major generic schedules listed and determine the best match for the products and services your company offers. Note the name and contact information for the contracting officer designated for the schedule. Also note the open solicitation link to the FEDBIZOPPS. Carefully review the solicitation completely and determine that you can comply with the specifications, terms and conditions and requirements in the document.

D. Contact the Schedule Contracting Officer with Your Statement of Intent and a Concise Capabilities Statement

This is where the marketing phase of the process begins. It is best to contact the contracting officer with a statement of capabilities (CAPE). Your CAPE should be brief, concise and electronic. It should highlight the information in IV.A., B. and C. above and the management, technical and past performance elements of your products and services. Establish by letter (preferably electronic by email) your intent to submit a proposal for a GSA schedule to the contracting officer. Also confirm your anticipated proposal delivery date by telephone if possible and confirm by email. Highlight your CAPE as a qualification criterion for a company schedule award under the generic schedule you are proposing against.

E. Carefully Prepare and Submit Your GSA Schedule Proposal

Respond to each requirement carefully and in the order presented in the open solicitation. Pay particular attention to the requirements for cost and pricing data presentation. Utilize for guidance the menu items on proposal preparation and negotiation at this site. Understand that your proposal may be audited, particularly for previous pricing history related to your products and services. The contracting officer may negotiate with you the final pricing make-up of your products and services based on audit results and history. Since GSA schedules are in the public domain it is worthwhile to examine the reports available through the GSA web site on previous awards for the same or similar products or services. In addition, most companies who have GSA schedules post them at their web sites so you can get some insights into competitor pricing by looking at the fully loaded rates and their respective escalation from year to year by going to the sites and analyzing the rates located there.

F. Schedule Award

When you are awarded your GSA Schedule it should be prominently displayed at your web site and contained in your marketing literature. You can offer it to prospective federal and state customers and you can discount from it under competitive conditions. Please read the terms and conditions regarding required sales necessary on your schedule for it to remain in effect. Within a specified time frame it is necessary to have a designated dollar value of sales activity or your schedule will automatically become inactive.

Carefully follow the directions in your schedule contract for collecting the GSA fee from your agency customers as a function of pricing quotations and payment. The fee is calculated as a designated percentage over and above that which your schedule prices display. It must be collected by you as a function of your quotation to your customer.

SUMMARY

In addition to featuring your schedule prominently at your web site, your GSA rates should be included in your market literature and your schedule number should be included as a reference in your new business proposals. A GSA schedule permits a quick ordering process for your federal and state clients. In your dealings with prime contractors to which you aspire to subcontract you can reference your schedule as valid pricing which they can readily include in their proposals to government agencies. A GSA schedule facilitates teaming with other synergistic small companies in proposing large scale efforts.

Keep in mind that obtaining a GSA schedule does not guarantee new business will come to you. Very few companies await government agencies to find them by searching the GSA data base. Most small businesses actively market their schedule to targeted agencies as an expedient way to contract with them or as a qualification criterion for new business awards.

 UPDATE 7/16/2012 - You may download the latest free guide to GSA Schedule 70 at the second, vertical Box Net "References" cube in the left margin of this site.

business phone service business phone voip phone business phone systems phone systems voip phone system office phone office phone systems telephone systems small business phone system business phone line business telephone systems small business phone service pbx system business phone plans business telephone service business phone providers business telephone small business phones business phone company small business phone companies office telephone systems telephone systems for small business best business phone business voip phone service commercial phone systems office telephone smallest phone hosted pbx best business phone service small business phone solutions business phone service providers pbx phone system virtual pbx business telephone line business phone solutions phone business ip business phones office telephones small office phone systems voip phone system for small business office phone systems for small business best small business phone system small business phone service providers ip phone systems business phone installation business voip business ip phone service small business voip voip business phone business office phone voip phone system for business phone service providers hosted voip best business phone plans small business phone plans virtual phone system business phone extensions telephone service small business phone lines business phone line providers ip phone service voip systems multi line phone systems small business cloud phone system business telephone providers 4 line phone system small business phone service providers in my area company phone systems business landline phone service small phone systems best business phone system business internet and phone small business telephone business landline phone service providers voip phones for small business internet business phone systems business internet phones virtual business phone service small office telephone system multi line phone system business phone packages business phone contracts internet phone service for business phone companies voip systems for small business business telephone service provider ip phone systems for small business new business phone system best voip phone the business phone business landline phone best office phone systems business phone equipment business phone deals office phone service small business telephone service business voip providers new phone system 2 line phone system business phone service in my area virtual office phone small business voip providers best phone service for small business 4 line business phone ip phones for small business commercial phone service telephone service company cheap business phone service phone service companies voip phone service for small business small business phone options business telephone plans pbx phone business voip systems business phone options business telephone service providers in my area commercial phone line 6 line phone system voip office phone system nec phone systems internet phone systems for small business commercial telephone systems hosted phone system local phone service best phone system multi line phone digital phone system voip phone service local business phone service telephone service providers business telephone companies internet phone service internet phone voip solutions for small business hosted business phone system at and t business phone corporate phone systems automated phone system for small business voip office phone voip telephone systems for small business phone system installation for small business voip telephone system 3 line phone system office phones for small business ip phone commercial phone virtual office phone system home phone service business phone line deals cheap phone service business phone line service cloud based business phone small business telephone service providers virtual business phone business phone carriers business voip phone service providers voip pbx analog business phone small business telephone plans business landline phone plans pbx system for small business business landline business voip service business phone rates best office phones for small business cheap business phone line business ip phone system ip telephone system phone system service best small office phone system best phone solution for small business voip service business telephone solutions voice over ip phone voice over ip phone system ip telephone system for small business cloud phone system for small business business phone service providers in my area company phone hosted ip phone system 2 line phone systems for small businesses hosted voip providers best voip for small business small business telephone solutions business voip solutions small business pbx multi line business phone small business telephone lines automated phone answering system for small business multiple phone lines for small business small business phone system options virtual business phone system business phone call home phone systems auto attendant phone system business phone companies in my area internet phone systems business mobile phone cheapest voip phone service commercial phone systems for small business business phone small telephone systems business landline phone companies small business voip service phone answering system for small business phone equipment for small business office phone solutions ip pbx best phone for small business business phone number best voip for business hosted voip phone system business phone line cost business phone features ip pbx system small business virtual phone system phone system installation best business landline phone deals pbx telephone system analog phone system small office phones home phone service providers cheap business phone landline phone service providers by zip code hosted voip for business bizphone pbx phone system for small business meridian phone system business phone and internet service smb phone system best office phone business telephony cloud business phone panasonic phone systems phone service pbx telephone business voip service providers voice over ip phone service small business toshiba phone systems corporate phone plans ip phone service for small business verizon business phone business phone line and internet voip business telephone systems business phone systems pbx small business internet and phone internet based phone systems for small business business office phone systems voip phone providers business business phone providers in my area best voip phone system for small business new business phone service virtual phone service landline phone systems small offices answering system for small business best voip phone service for small business landline phone service providers business phone cost company phone service local business phone service providers in my area business phone answering system voip telephone service voip phone line voip office telephone service best voip business phone service small office phone solutions top small business phone systems norstar phone system internet phones for small business cloud business phone service business phone search new office phone system business landline phone deals cloud phone service business phone answering virtual phone service for small business office phone line voip business telephone phone equipment small business phone and internet service internet telephone service 4 line phones for small business business phone line options new business phone line hosted voip phone systems for small business cheapest landline phone service virtual office phone service best business phone company small business phone system with voicemail buy business phones voice over ip phone service two line phone system commercial telephone service office phone companies compare phones internet based phone service cisco phone system business telephone providers in my area office phone plans best business phone line deals 4 line business phone system hosted ip pbx best internet phone service cloud business phone system business phone suppliers business landline phone contracts hosted voip solutions business voip telephone voip phone service providers best ip phone system single line business phone ip office phone system automated phone system new phone system for small business best voip service phone over ip pbx local phone company phone system providers business long distance phone service cloud based phone system commercial telephone ip phone providers best multi line phone system for small business house phone service best business phone line voice ip phone internet telephone systems best voip phone system best telephone system for small business internet phone providers internet phone service for small business internet based business phone systems affordable business phone system hosted pbx providers small office ip phone system top business phone systems best business telephone provider best business telephone service multi line office phones small business landline phone service providers internet phone companies office phones systems for small office pbx service voip phone number digital business phone system small phone companies voip lines for business phones for small business multi line phone best business telephone system company telephone systems small office phone service pbx equipment low cost business phone service business phone system companies best business phone service providers best business telephone voice over ip phones for small business voip phone providers business phone companies near me small business landline phone service small pbx home telephone systems digital phone systems for small business computer phone system business telephone options digital telephone systems 4 line phone system for small business hosted pbx solutions virtual office telephone system voip phone plans office phone equipment business phone line companies business ip phone service providers voip phone companies analog phone systems for small business multi phone system business voip plans 2 line business phones voice over ip systems voice over internet phone panasonic telephone system hosted voip pbx business phone hardware business pbx business telephone equipment small business phone system reviews multi line telephone system business phone small system small office pbx phone system business phone line plans voip home phone service business phone set pabx telephone system best landline phone service for small business cloud phone service for small business voip in business corporate phone systems for business business phone and fax best small business phone plans system voip 2 line phones for small business office phone setup office voip system phones for business office telephone options for small business simple office phone system business cell phone small office voip phone system best voip provider sip phone service multi line phones for small businesses panasonic business phones best business phone provider business telephone numbers hosted telephone systems small business landline phone systems voice over ip service new business phones internet phone lines for business intercom phone system small office pbx digital phone service cheap voip service internet based phone service for business business voip pbx affordable phone service business phone handset business phone options for small business business long distance business phone systems near me business landline providers voice over ip for business business phone system providers small business phone line options hosted pbx system best voip phone service cloud phone for business telephone equipment small telephone systems for small business business phone setup phone service in my area business landline phone systems voip phone service providers for small business nortel phone system international phone service hosted phone service virtual telephone system digital office phone system the phone system hosted telephony business phone prices virtual pbx system automated phone service for small business business pbx system simple business phone system small office phone system basic and affordable business phone and fax service small business systems best small business phone system to buy ip pbx phone system corporate telephone systems business phone systems for small business samsung phone system best small business phone systems 2015 business phone system installers local phone service providers get a business phone line 10 line phone system internet office phone system new telephone systems business voice over internet providers office voip phone line companies best small office phone phone for business use 4 line office phone virtual business phone line business phone system options options for business phone service small office telephone cheap business phone plans voice over internet phone service voip pbx system office telephone handsets office phone set find business phone business on phone long distance phone service pbx phone service office phone options small business voip pbx corporate phone best internet phone service for small business telephone costs for small business telephone equipment for small business phone providers for business business landline plans office phone systems multi line commercial landline phone best business phone system for small business online phone service residential phone service top business phones nec telephone systems network phone system new telephone system office pbx phone system solutions for small business small office digital phone system panasonic business phone systems automated business phone systems what is voip phone service internet phone service providers best phone line for small business simple phone system for small business best ip phone system for small business sip phone system basic office phone system business phone answering service small company phone systems voip pbx phone system small business landline hosted pbx phone system cheap telephone service phone providers corporate voip cheap voip phone best small office telephone systems small business voice telephone suppliers for business best virtual business phone service hotel phone system best business phone line providers business phones for sale 6 line phone system small business business phone system cost best voip business phone service providers top rated small business phone systems ip phone pbx top voip providers best commercial phone systems best 4 line phone system voip for business multiple lines business voice services ip phone service providers business call packages simple small business phone system long distance phone service providers for business virtual business phone solutions voice over ip providers business phone line service providers analog business phone system basic phone service business phone connection get a business phone smb phone voip phone systems for small business reviews business telephone cost virtual pbx phone system 10 line office phone systems 3 business phones phone answering system internal phone system 4 line office phone system best internet phone service for business business phone and internet wireless phone system phones 4 business phone and fax service for small business commercial office phones business phone offers samsung telephone systems multi line business phone system office phone handsets buy voip phone business telephone line deals new business telephone systems voip commercial phone systems business phone line only cheap phone system for small business best ip phone service for small business low cost phone service business on the phone best business phones for small business which phone system for small business business telephone systems voip voip internet phone service hosted phone office phone extension system best business landline phone ip telephony system small business voip service providers new business telephone line best phone options for small business small business phone service options hosted pbx service multiple business phone lines commercial phone service providers in my area voice over ip telephone voip phone equipment pbx telephony small office phone system options voip business phone line voice over ip for small business 5 line business phones best telephones for small business best cloud phone service for small business telephone small business hosted voip systems business landline service small pbx systems digital office phone small office telephone solutions toshiba telephone systems office phone service provider local business telephone service providers wireless business phone local business telephone service ip telephone service top 10 office phone systems partner phone system best phone for business use small business telephone providers best small business telephone provider the cheapest car insurance cost of car insurance best car insurance quotes insurance auto insurance quotes car get car insurance quotes online car insurance agent instant car insurance quote car insurance websites direct car insurance insure a car motor car insurance quote cheap car insurance online quotes for car insurance car insurers commercial car insurance motor insurance quote car insurance quotes online get a quote online international health insurance compare car insurance quotes insurance for car compare car insurance car insurance buy life insurance online compare auto insurance international medical insurance general car insurance cheap motor insurance low car insurance car insurance comparison company car insurance budget car insurance private health insurance online quote car insurance cheap motor car insurance car insurance for new drivers cheap car insurance quotes online online car insurance quotes get car insurance quotes car insurance quotes comparison motor car insurance car insurance quotes car insurance cheap comprehensive car insurance best auto insurance short term health insurance motor insurance cheap online car insurance online motor insurance quotes car insurance california buycarinsurance online vehicle insurance free car insurance quotes landlord insurance health insurance for children motorbike insurance monthly car insurance car insurance usa car insurance reviews car insurance renewal quotes vehicle insurance health insurance rates term life insurance quotes vehicle insurance quotes car insurance compare motor vehicle insurance best car insurance motor insurance online quote car insurance online quote life insurance online supplemental health insurance best car insurance rates car insurance discounts motor vehicle insurance quotes auto insurance cheap travel insurance bike insurance travel medical insurance buy car insurance online online motor insurance travel insurance quote get a quote for car insurance health insurance agent car insurance companies cheap car insurance companies travel insurance annual travel insurance commercial vehicle insurance permanent life insurance medical insurance quotes online car insurance cheap car insurance quotes car insurance online quote insurance online level term life insurance health insurance comparison how much is car insurance travel health insurance pet health insurance quotes on cars health ins travel insurance uk quote for car insurance get insurance quote online disability insurance quote temporary health insurance temporary insurance rental car insurance cheap health insurance auto insurance compare third party car insurance buy health insurance auto insurance quotes cheap insurance companies best term life insurance personal health insurance online quote insurance car insurance premium health insurance policies quotes for cars whole life insurance credit insurance cheap van insurance cheap term life insurance cheap motorcycle insurance compare life insurance car insurance cover health insurance motorcycle insurance short term car insurance health insurance coverage insurance qoute cheap life insurance house insurance quote car insurance uk health insurance companies cigna health insurance cheap insurance cheap car insurance uk compare health insurance car insurance for young drivers short term insurance online health insurance caravan insurance life insurance comparison direct insurance health insurance plans motor insurance online car insurance estimator accident insurance home insurance quotes nj car insurance new car insurance private medical insurance home insurance car insurance brokers car insurance rates commercial insurance health insurance quotes motor insurance companies which car insurance car quotes online online auto insurance flood insurance cheap auto insurance quotes car insurance agencies business health insurance term life insurance truck insurance professional indemnity insurance life insurance car insurance policy long term care insurance drive insurance buy insurance car ins motorcycle insurance quote critical illness insurance term insurance student health insurance home insurance comparison insurance rates insurance cover holiday insurance insurance sites online vehicle insurance quotes company website home insurance rates compare insurance buy insurance online affordable medical insurance car insurance coverage product liability insurance home contents insurance buy life insurance renters insurance group health insurance family health insurance motor insurance quote online mortgage insurance best home insurance personal insurance medical insurance property insurance life insurance agent group insurance aetna health insurance cheap medical insurance liability insurance rental insurance life insurance policy group life insurance general liability insurance insurance quotes online all car insurance companies best health insurance insurance plans life insurance for seniors van insurance website quote universal life insurance building insurance co insurance insurance car car insurance prices disability insurance insurance vehicle cheap vehicle insurance senior life insurance medical insurance plans insurance health house insurance life insurance quotes car quotes cheap home insurance business insurance com bank credit card lowest credit card eligibility no fee credit cards best credit card compare how can i apply for credit card business credit cards cheapest credit card company credit card corporate credit card apply for a credit card online 0 apr credit cards how can i get credit card get a credit card open credit card usa credit card instant credit card approval store credit cards credit card shopping airline miles credit card frequent flyer credit cards hotel credit cards best credit card deals compare credit miles credit card credit card consolidation college student credit cards how do i apply for a credit card gold credit card how to open credit card apply for credit card eligibility for credit card credit card verification credit card offers online credit card application form which credit card to apply how can i get a credit card credit card online apply credit cards uk 0 credit cards looking for credit card offers credit card information bank credit card application travel credit cards what is a credit card credit card sign up master credit card cash back cards platinum credit card compare visa cards credit bank credit card no interest credit cards cheap credit cards 0 credit card offers online credit new credit cards application of credit card how to apply for credit card apply card credit online credit card deals premier credit card mastercard credit card how to get credit card apply credit card credit card application credit companies creditcard cash back credit cards airline credit cards cash credit card credit card rates student credit cards apply credit card online how to apply credit card interest free credit card secured credit card best travel credit card capital one credit card online credit card application credit cards with no annual fee new credit card offers apply online credit card credit card apply online best rewards credit card city credit card how to get a credit card credit card counseling rebate credit card mastercard debit card credit card debt best credit cards to apply for best credit cards apply for credit card online credit card apply how to apply for a credit card apply for new credit card credit card rebate best credit card comparison apply for visa card online cim credit card good credit cards credit card cash back best cash back credit cards mastercard credit card application credit card checker credit card mastercard instant credit card card compare credit card rewards programs compare the best credit cards apply visa card cash rebate credit card bankruptcy credit cards card offers instant approval credit cards credit card online application credit cards for students how to sign up for credit card uk credit cards credit card account about credit card visa card apply online credit card compare site secured mastercard visa card application credit card rewards credit rating how can we get credit card visa credit card rewards card online credit card processing capital credit card credit card visa consolidate credit cards credit card processing credit card reviews apply new credit card business credit card application credit cards with cash back credit card reader credit card instant approval online apply credit card bad credit credit cards credit card selection online visa card pay with credit card credit card charges visa or mastercard credit card machine apply a credit card small business credit cards prepaid debit cards visa debit card mbna credit card credit card terminal card credit application credit card generator credit card balance credit card numbers credit card transfer credit card interest rates credit card interest gold card credit card online best rate credit cards credit card low interest visa card online online credit card how to apply a credit card 0 interest credit cards debit card the cheapest car insurance cost of car insurance best car insurance quotes insurance auto insurance quotes car get car insurance quotes online car insurance agent instant car insurance quote car insurance websites direct car insurance insure a car motor car insurance quote cheap car insurance online quotes for car insurance car insurers commercial car insurance motor insurance quote car insurance quotes online get a quote online international health insurance compare car insurance quotes insurance for car compare car insurance car insurance buy life insurance online compare auto insurance international medical insurance general car insurance cheap motor insurance low car insurance car insurance comparison company car insurance budget car insurance private health insurance online quote car insurance cheap motor car insurance car insurance for new drivers cheap car insurance quotes online online car insurance quotes get car insurance quotes car insurance quotes comparison motor car insurance car insurance quotes car insurance cheap comprehensive car insurance best auto insurance short term health insurance motor insurance cheap online car insurance online motor insurance quotes car insurance california buycarinsurance online vehicle insurance free car insurance quotes landlord insurance health insurance for children motorbike insurance monthly car insurance car insurance usa car insurance reviews car insurance renewal quotes vehicle insurance health insurance rates term life insurance quotes vehicle insurance quotes car insurance compare motor vehicle insurance best car insurance motor insurance online quote car insurance online quote life insurance online supplemental health insurance best car insurance rates car insurance discounts motor vehicle insurance quotes auto insurance cheap travel insurance bike insurance travel medical insurance buy car insurance online online motor insurance travel insurance quote get a quote for car insurance health insurance agent car insurance companies cheap car insurance companies travel insurance annual travel insurance commercial vehicle insurance permanent life insurance medical insurance quotes online car insurance cheap car insurance quotes car insurance online quote insurance online level term life insurance health insurance comparison how much is car insurance travel health insurance pet health insurance quotes on cars health ins travel insurance uk quote for car insurance get insurance quote online disability insurance quote temporary health insurance temporary insurance rental car insurance cheap health insurance auto insurance compare third party car insurance buy health insurance auto insurance quotes cheap insurance companies best term life insurance personal health insurance online quote insurance car insurance premium health insurance policies quotes for cars whole life insurance credit insurance cheap van insurance cheap term life insurance cheap motorcycle insurance compare life insurance car insurance cover health insurance motorcycle insurance short term car insurance health insurance coverage insurance qoute cheap life insurance house insurance quote car insurance uk health insurance companies cigna health insurance cheap insurance cheap car insurance uk compare health insurance car insurance for young drivers short term insurance online health insurance caravan insurance life insurance comparison direct insurance health insurance plans motor insurance online car insurance estimator accident insurance home insurance quotes nj car insurance new car insurance private medical insurance home insurance car insurance brokers car insurance rates commercial insurance health insurance quotes motor insurance companies which car insurance car quotes online online auto insurance flood insurance cheap auto insurance quotes car insurance agencies business health insurance term life insurance truck insurance professional indemnity insurance life insurance car insurance policy long term care insurance drive insurance buy insurance car ins motorcycle insurance quote critical illness insurance term insurance student health insurance home insurance comparison insurance rates insurance cover holiday insurance insurance sites online vehicle insurance quotes company website home insurance rates compare insurance buy insurance online affordable medical insurance car insurance coverage product liability insurance home contents insurance buy life insurance renters insurance group health insurance family health insurance motor insurance quote online mortgage insurance best home insurance personal insurance medical insurance property insurance life insurance agent group insurance aetna health insurance cheap medical insurance liability insurance rental insurance life insurance policy group life insurance general liability insurance insurance quotes online all car insurance companies best health insurance insurance plans life insurance for seniors van insurance website quote universal life insurance building insurance co insurance insurance car car insurance prices disability insurance insurance vehicle cheap vehicle insurance senior life insurance medical insurance plans insurance health house insurance life insurance quotes car quotes cheap home insurance business insurance com bank credit card lowest credit card eligibility no fee credit cards best credit card compare how can i apply for credit card business credit cards cheapest credit card company credit card corporate credit card apply for a credit card online 0 apr credit cards how can i get credit card get a credit card open credit card usa credit card instant credit card approval store credit cards credit card shopping airline miles credit card frequent flyer credit cards hotel credit cards best credit card deals compare credit miles credit card credit card consolidation college student credit cards how do i apply for a credit card gold credit card how to open credit card apply for credit card eligibility for credit card credit card verification credit card offers online credit card application form which credit card to apply how can i get a credit card credit card online apply credit cards uk 0 credit cards looking for credit card offers credit card information bank credit card application travel credit cards what is a credit card credit card sign up master credit card cash back cards platinum credit card compare visa cards credit bank credit card no interest credit cards cheap credit cards 0 credit card offers online credit new credit cards application of credit card how to apply for credit card apply card credit online credit card deals premier credit card mastercard credit card how to get credit card apply credit card credit card application credit companies creditcard cash back credit cards airline credit cards cash credit card credit card rates student credit cards apply credit card online how to apply credit card interest free credit card secured credit card best travel credit card capital one credit card online credit card application credit cards with no annual fee new credit card offers apply online credit card credit card apply online best rewards credit card city credit card how to get a credit card credit card counseling rebate credit card mastercard debit card credit card debt best credit cards to apply for best credit cards apply for credit card online credit card apply how to apply for a credit card apply for new credit card credit card rebate best credit card comparison apply for visa card online cim credit card good credit cards credit card cash back best cash back credit cards mastercard credit card application credit card checker credit card mastercard instant credit card card compare credit card rewards programs compare the best credit cards apply visa card cash rebate credit card bankruptcy credit cards card offers instant approval credit cards credit card online application credit cards for students how to sign up for credit card uk credit cards credit card account about credit card visa card apply online credit card compare site secured mastercard visa card application credit card rewards credit rating how can we get credit card visa credit card rewards card online credit card processing capital credit card credit card visa consolidate credit cards credit card processing credit card reviews apply new credit card business credit card application credit cards with cash back credit card reader credit card instant approval online apply credit card bad credit credit cards credit card selection online visa card pay with credit card credit card charges visa or mastercard credit card machine apply a credit card small business credit cards prepaid debit cards visa debit card mbna credit card credit card terminal card credit application credit card generator credit card balance credit card numbers credit card transfer credit card interest rates credit card interest gold card credit card online best rate credit cards credit card low interest visa card online online credit card how to apply a credit card 0 interest credit cards debit card the cheapest car insurance cost of car insurance best car insurance quotes insurance auto insurance quotes car get car insurance quotes online car insurance agent instant car insurance quote car insurance websites direct car insurance insure a car motor car insurance quote cheap car insurance online quotes for car insurance car insurers commercial car insurance motor insurance quote car insurance quotes online get a quote online international health insurance compare car insurance quotes insurance for car compare car insurance car insurance buy life insurance online compare auto insurance international medical insurance general car insurance cheap motor insurance low car insurance car insurance comparison company car insurance budget car insurance private health insurance online quote car insurance cheap motor car insurance car insurance for new drivers cheap car insurance quotes online online car insurance quotes get car insurance quotes car insurance quotes comparison motor car insurance car insurance quotes car insurance cheap comprehensive car insurance best auto insurance short term health insurance motor insurance cheap online car insurance online motor insurance quotes car insurance california buycarinsurance online vehicle insurance free car insurance quotes landlord insurance health insurance for children motorbike insurance monthly car insurance car insurance usa car insurance reviews car insurance renewal quotes vehicle insurance health insurance rates term life insurance quotes vehicle insurance quotes car insurance compare motor vehicle insurance best car insurance motor insurance online quote car insurance online quote life insurance online supplemental health insurance best car insurance rates car insurance discounts motor vehicle insurance quotes auto insurance cheap travel insurance bike insurance travel medical insurance buy car insurance online online motor insurance travel insurance quote get a quote for car insurance health insurance agent car insurance companies cheap car insurance companies travel insurance annual travel insurance commercial vehicle insurance permanent life insurance medical insurance quotes online car insurance cheap car insurance quotes car insurance online quote insurance online level term life insurance health insurance comparison how much is car insurance travel health insurance pet health insurance quotes on cars health ins travel insurance uk quote for car insurance get insurance quote online disability insurance quote temporary health insurance temporary insurance rental car insurance cheap health insurance auto insurance compare third party car insurance buy health insurance auto insurance quotes cheap insurance companies best term life insurance personal health insurance online quote insurance car insurance premium health insurance policies quotes for cars whole life insurance credit insurance cheap van insurance cheap term life insurance cheap motorcycle insurance compare life insurance car insurance cover health insurance motorcycle insurance short term car insurance health insurance coverage insurance qoute cheap life insurance house insurance quote car insurance uk health insurance companies cigna health insurance cheap insurance cheap car insurance uk compare health insurance car insurance for young drivers short term insurance online health insurance caravan insurance life insurance comparison direct insurance health insurance plans motor insurance online car insurance estimator accident insurance home insurance quotes nj car insurance new car insurance private medical insurance home insurance car insurance brokers car insurance rates commercial insurance health insurance quotes motor insurance companies which car insurance car quotes online online auto insurance flood insurance cheap auto insurance quotes car insurance agencies business health insurance term life insurance truck insurance professional indemnity insurance life insurance car insurance policy long term care insurance drive insurance buy insurance car ins motorcycle insurance quote critical illness insurance term insurance student health insurance home insurance comparison insurance rates insurance cover holiday insurance insurance sites online vehicle insurance quotes company website home insurance rates compare insurance buy insurance online affordable medical insurance car insurance coverage product liability insurance home contents insurance buy life insurance renters insurance group health insurance family health insurance motor insurance quote online mortgage insurance best home insurance personal insurance medical insurance property insurance life insurance agent group insurance aetna health insurance cheap medical insurance liability insurance rental insurance life insurance policy group life insurance general liability insurance insurance quotes online all car insurance companies best health insurance insurance plans life insurance for seniors van insurance website quote universal life insurance building insurance co insurance insurance car car insurance prices disability insurance insurance vehicle cheap vehicle insurance senior life insurance medical insurance plans insurance health house insurance life insurance quotes car quotes cheap home insurance business insurance com bank credit card lowest credit card eligibility no fee credit cards best credit card compare how can i apply for credit card business credit cards cheapest credit card company credit card corporate credit card apply for a credit card online 0 apr credit cards how can i get credit card get a credit card open credit card usa credit card instant credit card approval store credit cards credit card shopping airline miles credit card frequent flyer credit cards hotel credit cards best credit card deals compare credit miles credit card credit card consolidation college student credit cards how do i apply for a credit card gold credit card how to open credit card apply for credit card eligibility for credit card credit card verification credit card offers online credit card application form which credit card to apply how can i get a credit card credit card online apply credit cards uk 0 credit cards looking for credit card offers credit card information bank credit card application travel credit cards what is a credit card credit card sign up master credit card cash back cards platinum credit card compare visa cards credit bank credit card no interest credit cards cheap credit cards 0 credit card offers online credit new credit cards application of credit card how to apply for credit card apply card credit online credit card deals premier credit card mastercard credit card how to get credit card apply credit card credit card application credit companies creditcard cash back credit cards airline credit cards cash credit card credit card rates student credit cards apply credit card online how to apply credit card interest free credit card secured credit card best travel credit card capital one credit card online credit card application credit cards with no annual fee new credit card offers apply online credit card credit card apply online best rewards credit card city credit card how to get a credit card credit card counseling rebate credit card mastercard debit card credit card debt best credit cards to apply for best credit cards apply for credit card online credit card apply how to apply for a credit card apply for new credit card credit card rebate best credit card comparison apply for visa card online cim credit card good credit cards credit card cash back best cash back credit cards mastercard credit card application credit card checker credit card mastercard instant credit card card compare credit card rewards programs compare the best credit cards apply visa card cash rebate credit card bankruptcy credit cards card offers instant approval credit cards credit card online application credit cards for students how to sign up for credit card uk credit cards credit card account about credit card visa card apply online credit card compare site secured mastercard visa card application credit card rewards credit rating how can we get credit card visa credit card rewards card online credit card processing capital credit card credit card visa consolidate credit cards credit card processing credit card reviews apply new credit card business credit card application credit cards with cash back credit card reader credit card instant approval online apply credit card bad credit credit cards credit card selection online visa card pay with credit card credit card charges visa or mastercard credit card machine apply a credit card small business credit cards prepaid debit cards visa debit card mbna credit card credit card terminal card credit application credit card generator credit card balance credit card numbers credit card transfer credit card interest rates credit card interest gold card credit card online best rate credit cards credit card low interest visa card online online credit card how to apply a credit card 0 interest credit cards debit card