Lower Car Insurance Rate -- Straightforward But Tested Steps

1. Ensure your automobile insurance policy is never allowed to lapse no matter what.. You'll get more expensive rates for a considerable length of time if you let this happen albeit mistakenly. It's easy for this to happen to many people while they are changing to another insurance provider.

One way to ensure you do NOT make this costly mistake is to leave your old policy intact until you've confirmed that the new one is fully in place. Many people are paying higher rates than they would otherwise just because they made this mistake. Therefore, make sure you don't become one of them.

2. You will attract cheaper rates if you elect to pay your premiums annually and not monthly. Although this option is always less stressful, it costs more for some reasons..

Every check that is processed attracts a charge. For twelve payments (that is, your monthly premiums) you'll have a total of 12 transactions. This implies that transaction charges would be 12 times more for people who make monthly payments.

There are also administrative costs to your insurer that are due to monthly payments. A clear example of such is the cost associated with sending out payment notices..

These and more are then included in your premium thus making it more than if you paid every year.

3. You'll get lower automobile insurance rates if you make your payments by Electronic Funds Transfer (EFT). By doing this you authorize an insurance carrier to automatically withdraw your payments from your account at specified intervals. This saves an insurer's overhead by removing the need for payment notices or checks. Your premium is therefore brought down in line with the cheaper cost of providing insurance to you.

4. You will save much money in auto insurance if you obtain and compare auto insurance quotes from quotes sites. You'll make savings if you visit just one of such sites. However, you will get more by using at least five.

The plain reason for this is that you will get a greater number of auto insurance quotes from many more insurers. This raises your chances of getting better quotes.

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