Cheap Car Insurance Rate -- Easy But Guaranteed Tips

1. Make sure your vehicle insurance policy is not allowed to lapse no matter what.. People who let that happen to them attract only more expensive rates for a long time. Don't make this mistake if you're switching since that's one situation where this happens to a lot of people.

A simple way to ensure you do NOT make this type of mistake is to let your old policy keep running until you've confirmed that the new one is in full force. It appear to be simple but, take it or leave it, many people are paying higher rates today just because they made this mistake.

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2. If you decide to pay your premiums monthly, you will pay higher rates. You may be told monthly payments are convenient but what you don't know is how much extra you pay for it..

There are transaction charges that are attached to processing a check. While a yearly payment requires just one check and therefore a transaction per year, monthly payments attrract twelve. This means that transaction charges would be 12 times more for those who make monthly payments.

That's one side of it: Insurance companies also incur certain admnistrative costs for your monthly premiums. A good example of such is the cost associated with mailing payment notices..

These costs plus a profit margin for this feature is added to your rates making it more than a similar profile that pays annually every year.

3. You might not be enjoying some concessions you qualify for with your preferred insurance carrier just because you are not aware of them. It is possible that your agent has left one or two out. You will know only by telling your agent that you want to know if you've been informed about every discount possible for your profile. You might have a really pleasant surprise!

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4. There are classes that are designed to improve your driving. Participate in them. Apart from the fact that they will help lower your rate, they will make you a safer driver.

5. You'll be given cheaper auto insurance premiums if you make your payments by Electronic Funds Transfer (EFT). This simply means your insurer takes your premiums automatically from your account each month without mailing you payment notices. This saves an insurer's overhead by eliminating the need for payment notices or checks. This is why this gets you more affordable rates.

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6. You will save much if you only have between 25-30 minutes. Visit, get and compare auto insurance quotes from selected insurance quotes sites. The lowest offer should be your choice easily.

Nevertheless, you have to look beyond simply the cheapest quote to the best price/value. The lowest priced may not offer the best price/value for you as a person.

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