Affordable California Vehicle Insurance Rate -- Simple But Guaranteed Steps

1. Ensure your California auto insurance policy is never allowed to lapse for any reason.. You'll get very expensive rates for a considerable length of time if you let this happen albeit mistakenly. This happens to many individuals while they are switching to another insurance carrier.

Don't terminate your previous policy until the new one is fully operational and you'll not make this costly mistake. It looks simple but, believe it or not, a lot of individuals are paying a lot more simply because they overlooked this.

2. If you choose to pay your premiums monthly, you will pay higher rates. Although this alternative is often more convenient, it is more expensive for some reasons..

There are transaction charges that are attached to processing a check. For twelve checks (that is, your monthly payments) you'll have a sum of twelve transactions. This means that transaction charges would be 12 times more for those who pay monthly.

There are also administrative costs to your insurance provider that result just from taking monthly payments. For instance, it costs insurance companies millions of dollars every year to send out payment notices..

All such costs to your insurer is ultimately paid for by you (that's in addition to their own markup for providing such a "stressless" option).

3. Electronic Funds Transfer (abbreviated as EFT) is a simple way to bring down your California auto insurance rate. This authorizes an insurance company to automatically withdraw your payments from your account at specified intervals. This saves the insurance company in many ways such as eliminating the cost of mailing payment notices and the expense associated with processing checks. This is why this gets you more affordable rates.

4. The most important key to huge savings in auto insurance is comparison shopping -- That's if you do it right. You can get quotes that will have a range that exceeds $1,000. You could easily save so much by simply picking the lowest quote. That should be the case if you're just after the lowest price.

Nevertheless, if you're after the best price/value then you would have to look at the details of the lowest quotes. Different insurance companies may have different exclusions for similar policies. It's important that you ask the agent what's included and what's excluded.

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