Cheap Car Insurance Rate -- Straightforward But Sure-Fire Tips

1. For no reason must you allow your car insurance policy to lapse.. You'll get more expensive rates for a considerable length of time if this happens to you albeit mistakenly. This happens to many individuals while they are switching to another insurance company.

To avoid a lapse, make sure that the new policy is fully in in force before you terminate the old. Many people are paying more than they should just because they made this mistake. Therefore, make sure you don't become one of them.

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2. If you elect to pay your premiums monthly, you'll attract higher rates. True, paying monthly might be convenient but they are also costly.

If you do transactions with banks you'll agree with me that each check you process is regarded as transaction which attracts a certain charge. In a year, your monthly checks would be processed separately because they are all separate transactions. This implies that you'll pay transaction fees twelve times..

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

These and more are then added to your premium thus making it higher than if you paid annually.

3. Do you know of all the discounts that your insurance carrier offers? Since agents too are not above mistakes they might not remember to tell you about some discounts you are qualified for. The only way to be sure it's false in your case is by asking your agent to list out all discount that your insurer gives. You might get a very pleasant surprise!

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4. There are programs that are set up to make you a better driver. Join them. In addition to making you a safer driver, they will qualify you for a discount with your insurance carrier provided such a program is recognized by them.

5. Electronic Funds Transfer (EFT) is a smart way to bring down your automobile insurance premium. This authorizes your bank to credit your insurance provider with your premiums automatically until you advise to the contrary. This reduces costs by removing the need for payment notices or checks. The insurance carrier gives you part of what they save by bringing down your premium.

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6. You will save much if you really have between 25-30 minutes. Visit, obtain and compare auto insurance quotes from selected insurance quotes sites. The cheapest offer should be what you go for easily.

But, you have to go beyond simply the lowest price to the best price/value. The lowest priced may not be the best price/value for you as a person.

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