Lower Car Insurance Rate -- Easy But Sure-Fire Ways

1. Do your best to always ensure your automobile insurance does NOT lapse. It will make you pay high rates for a long time. It's easy for this to happen to many people as they are switching to another insurance provider.

A simple way to ensure you do NOT make this type of mistake is to leave your old policy intact until you're sure the new one is fully operational. Many people are paying higher rates than they should just because of this mistake. So do take care so you don't become one of them.

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2. If you opt to pay your premiums monthly, you'll attract more expensive rates. True, monthly payments might be less stressful but they are also much more expensive.

If you do transactions with banks you'll agree with me that each check you process is regarded as transaction which attracts charges. In a year, your monthly checks would be processed separately because they are all separate transactions. you will then have to pay the sum of 12 transaction fees..

That's just part of it: Insurers also incur certain admnistrative costs for your monthly premiums. For example, it costs some money to send payment notices monthly.

All such costs to your insurer is ultimately borne by you (that's in addition to their own markup for providing such a "convenient" alternative).

3. You might not be enjoying some discounts you are eligible for with your preferred insurance carrier simply because you do not know. There is a possibility that your agent did not remember to tell you about some. You'll reduce the odds of this happening to you if you make it a point of duty to ask your agent seriously to tell you about every discount that is available. You might be astonished at discounts you've not taken advantage of.

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4. There are programs that are designed to improve your driving. Join them. In addition to the fact that they will make you a better driver, they will show your insurer that you're taking active steps to make yourself a better risk.

5. An easy but smart way of lowering your automobile insurance rate is by authorizing an EFT (Electronic Funds Transfer). This authorizes your bank to credit your insurance provider with your premium payments automatically until you advise to the contrary. This reduces administrative overheads like those involved in mailing payment notices. Your insurance carrier passes part of what they save to you by reducing your premium.

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6. You can get cheaper rates on auto insurance now by visiting a minimum of five insurance quotes sites. Each site will require about 5 minutes or less to obtain quotes. (Some folks fill in details that is not quite correct about themselves. That is NOT smart as the quotes you'll get this way won't be of any use to you).

You'll have to select what represents the best auto insurance quote for you from the list of quotes received. That's all there is to it. However, you could easily save hundreds of dollars.

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