Cheap Car Insurance Rate -- Easy But Guaranteed Steps

1. Make sure your vehicle insurance policy is not allowed to lapse for any reason.. You'll get more expensive rates for a long time if you let this happen albeit by mistake. It's easy for this to happen to some folks while they are switching to another insurance provider.

Don't cancel your previous policy until the new one is fully functional and you'll not make this costly mistake. As simple as this may seem, many individuals are bearing the weight of exorbitant rates because of this silly little oversight.

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2. Paying your premium once a year will result in lower rates than choosing monthly payments. Yes, monthly payments might be stressless but they are also much more expensive.

There are transaction fees that are incurred when processing a check. All through a year, your monthly checks would be processed differently since they are all separate transactions. This means that transaction charges would be twelve times more for those who make monthly payments.

Besides there are also administrative costs that are incurred due to the monthly payment option. For example, it costs some money to send payment notices monthly.

These costs plus a profit margin for this this "value-added service" is added to your rates making it more than another of the same profile that pays yearly every year.

3. Ask your agent personally about all the discounts possible with with your present insurance provider. It's possible that your agent did not remember to tell you about some. You'll 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 be astonished at discounts you have not taken advantage of.

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4. Defensive driving helps so complete a course on it. In addition to the fact that such programs will improve your driving skills, they'll show your insurance carrier that you're doing your best to make yourself a better risk.

5. You'll be given lower automobile insurance rates if you pay by Electronic Funds Transfer (EFT). This simply means your insurance provider takes your premiums automatically from your account each month without mailing you payment notices. This saves costs by removing the necessity of payment notices or checks. An insurance carrier passes part of what they save to you by reducing your premium.

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6. Visit a minimum of five quotes sites. Requesting quotes from not less than five quotes sites increase the chances that you would obtain better auto insurance quotes. This is because insurance companies not covered by one site will be covered by the other.

Moreover, you know that because your chances of getting lower auto insurance quotes has to do with the number of quotes you get, the more companies you obtain quotes from, the higher your chances will be.

Obtaining your auto insurance quotes online will help you save much more if you take out around 25 minutes to get quotes from at least 5 insurance quotes sites.

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