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Tuesday, November 24, 2009

Lower Auto Insurance Rate -- Simple But Sure-Fire Ideas


1. Do your best to always make sure your automobile insurance does NOT lapse. It will sentence you to expensive rates for a long time. This happens to many individuals when they are changing over to another insurance carrier.

To avoid this, wait until the new policy is fully in place before you terminate the previous one. It appear to be simple but, take it or leave it, a lot of individuals are paying a lot more simply because they were negligent in this.

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2. You will attract lower rates if you opt to pay your premiums annually and not monthly. Even though this alternative is always more convenient, it is more expensive for some reasons..

There are transaction charges that are attached to processing a check. While a yearly payment calls for a single check and therefore a transaction every year, monthly payments attrract twelve. You'll then have to pay the total of 12 transaction fees..

Besides there are also administrative costs that come with the monthly payment option. For example, it costs insurers millions of dollars annually to send out payment notices..

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

3. You might be missing some concessions you qualify for with your present insurance carrier just because you are not aware of them. Your agent could, choose to not tell you about some discounts that are available to you. The only way to ensure this is not true in your case is by telling your agent to list out all discount that your insurer offers. You might be surprised at discounts you have not taken advantage of.

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4. There are classes that are designed to make you a better driver. Participate in them. In addition to improving your driving, they will make you eligible for a discount with your insurer provided such a class is recognized by them.

5. A straightforward but rewarding way of lowering your automobile insurance rate is by authorizing an EFT (Electronic Funds Transfer). By doing this you authorize an insurance carrier to automatically withdraw your payments from your account at specified intervals. This saves your insurer in many ways such as removing the cost of mailing payment notices and the cost of processing checks. This is why this gets you more affordable rates.

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6. You can see savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best strategy is to visit a minimum of five sites and making sure that you input the same (correct) details.

I advise that you use a minimum of five quotes sites as it will ensure you do not miss out offers not presented by the other sites. This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of better quotes.

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mike thats a good stat keep it up.