Affordable Auto Insurance Rate -- Simple But Effective Tips

1. Do your utmost to always make sure your vehicle insurance never lapses. It will make you pay expensive rates for a considerable length of time. It's easy for this to happen to many people while they are switching to another insurer.

To avoid a lapse, wait until the new policy is fully in in force before you cancel the old. As simple as this may seem, a lot of folks 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. You might be sold thatThe ads may show that paying monthly is easy but what you don't know is how much more you pay for it..

Every check that is processed attracts a fee. In a year, your monthly checks would be processed differently because they are all separate transactions. You'll then have to pay the total of 12 transaction charges..

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

These and more are then included in your rate thereby making it higher than if you paid every year.

3. Ask your agent personally about all the discounts available to you with your chosen insurance carrier. Your agent could, by commission or omission not tell you about some discounts that you are eligible for. You'll know simply by telling your agent that you want to be sure you have been told about every discount available. Don't be surprised if you discover one or two that you've never heard of.

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4. Complete a defensive driving class. In addition to the fact that they will reduce your rate, they will help keep you and others safer.

5. You'll attract cheaper auto insurance premiums if you make your payments by Electronic Funds Transfer (EFT). This authorizes your bank to credit your insurer with your payments without any intervention from you until you stipulate otherwise. This reduces costs by eliminating the need for payment notices or checks. Your premium is therefore reduced in line with the lower cost of providing insurance to you.

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6. Visit a minimum of five quotes sites. Visiting not less than five quotes sites increase the chances that you'd get cheaper auto insurance quotes. This is because insurance companies not represented by one site would be represented by another.

Moreover, you know that since your chances of receiving lower auto insurance quotes has to do with the number of quotes you obtain, the more companies you receive quotes from, the brighter your chances will be.

Requesting for your auto insurance quotes online will help you save much more if you sacrifice just 25 minutes to get quotes from not less than 5 insurance quotes sites.

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