Cheap Auto Insurance Rate -- Easy But Sure-Fire Recommendations

1. Do your utmost to always make sure your vehicle insurance does NOT lapse. It will make you pay expensive premiums for a long time. Don't allow this mistake while changing insurers because that's when this happens to many folks.

A simple way to be certain you do NOT make this costly mistake is to let your old policy keep running until you're sure the new policy is fully in place. It looks simple but, take it or leave it, many people are paying higher rates today simply because they overlooked this.

2. If you choose to pay your premiums monthly, you will attract more expensive rates. Even though this option is often less stressful, it costs more for some reasons..

Each check that is processed attracts a charge. For 12 payments (that is, your monthly premiums) you will have a total of twelve transactions. This implies that transaction fees would be twelve times more for people who pay monthly.

There are also administrative costs to your insurer that result just from taking monthly payments. A good example of such is the expense associated with sending out payment notices..

These and more are then added to your rate thus making it higher than if you paid every year.

3. A straightforward but smart way of bringing down your auto insurance rate is by authorizing an EFT (Electronic Funds Transfer). This just means your insurer withdraws your premiums automatically from your account each month without mailing you payment notices. This saves your insurer in many ways such as removing the cost of sending payment notices and the expense of processing checks. Your insurance carrier passes part of what they save to you by bringing down your premium.

4. You can save more by visiting at least five quotes sites. If you do this, you will get the lowest auto insurance quotes available because five sites will give up to 25 quotes altogether.

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