Affordable Car Insurance Rate -- Simple But Guaranteed Recommendations

1. Do your utmost to always ensure your car insurance never lapses. It will sentence you to expensive premiums for a long time. It's easy for this to happen to some folks when they are switching to another insurer.

One way to ensure you do NOT make this type of mistake is to leave your old policy intact until you're sure the new policy is fully operational. As simple as this may seem, a lot of individuals are bearing the burden of exorbitant rates because of just a little negligence.

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2. Paying your premium once a year will get you lower rates than choosing monthly payments. True, monthly payments might be convenient but they are also costly.

Each check that is processed attracts a charge. Over the course of a year, your monthly checks would be processed separately because they are all different transactions. This means that you will pay transaction charges 12 times..

that is just part of it: Insurance companies also incur certain admnistrative costs for your monthly premiums. For example, it costs insurers millions of dollars yearly to send out payment notices..

These costs plus a profit margin for this this "value-added service" is added to your rates making it higher than a similar profile that pays yearly every year.

3. Are you aware of every discount that your insurer offers? Since agents too are not above mistakes they might forget to tell you about some discounts you are eligible for. You will discover only by telling your agent that you want to be sure you have been told about every discount available. You might be in for a really pleasant surprise!

Affordable Auto Insurance

4. Participate in a defensive driving program. In addition to making you a safer driver, they will get you a discount with your insurance provider provided such a program is one they approve.

5. A straightforward but smart way of lowering your auto insurance premium is by authorizing an EFT (Electronic Funds Transfer). This just means your insurance provider withdraws your premiums automatically from your account at specified periods without mailing you payment notices. This reduces costs by eliminating the necessity of payment notices or checks. Your rate is therefore lowered to reflect the cheaper cost of providing insurance to you.

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6. You will save more by visiting at least 5 quotes sites. That way, you'll increase your chances of getting the lowest auto insurance quotes available because five sites will give up to 25 quotes altogether.

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