Lower Car Insurance Rate -- Straightforward But Proven Steps

1. Ensure your automobile insurance policy is not allowed to lapse for any reason.. People who let that happen to them get more expensive rates for a long time. It's easy for this to happen to some people when they are switching to another insurance provider.

Don't cancel your previous policy until the new one is fully operational and you'll avoid this costly mistake. As simple as this may seem, many individuals are bearing the pain of exorbitant rates because of just a little negligence.

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2. If you opt to pay your premiums monthly, you'll pay higher rates. True, paying monthly might be stressless but they are also less affordable.

Every check that is processed attracts a charge. In a year, your monthly checks would be processed separately since they are all separate transactions. You'll then have to pay the sum of 12 transaction fees..

There are also administrative costs to your insurance provider that result just from taking monthly payments. For example, it costs some money to send payment notices monthly.

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

3. Ask your agent personally about all the discounts available to you with your chosen insurance carrier. Your agent may, choose to not tell you about some discounts that you qualify for. The only way to be sure this is not true in your case is by asking your agent to list out all discount that your insurer gives. Do not be surprised if you hear of discover that you have never heard of.

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4. Complete a defensive driving class. In addition to the fact that they will help lower your rate, they will make you a better driver.

5. A straightforward but smart way of reducing your automobile insurance rate is by authorizing an EFT (Electronic Funds Transfer). This authorizes your bank to credit your insurance provider with your premium payments without any intervention from you until you advise otherwise. This eliminates administrative costs like those incurred when sending payment notices. This is why this attracts more affordable premium.

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6. You might save some hundreds of dollars by just getting and comparing quotes from about five insurance quotes sites. And, it will take only about 25 minutes on the whole.

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