Cheap California Auto Insurance Rate -- Straightforward But Proven Ideas

1. For no reason should you allow your California automobile insurance policy to lapse.. Folks who let that befall them pay more expensive rates for a long time. It's easy for this to happen to many individuals when they are switching to another insurance provider.

To avoid a lapse, wait until the new policy is fully in place before you terminate the old. As simple as this may seem, many individuals are bearing the weight of higher rates because of just a little negligence.

2. Paying your premium once a year will get you lower rates than opting for monthly payments. Notwithstanding the fact that this option is always more convenient, it is more expensive for some reasons..

If you do transactions with banks you will agree with me that each check you process is considered transaction which attracts a certain charge. In a year, your monthly checks would be processed separately because they are all separate transactions. You'll then have to pay the total of 12 transaction fees..

There are also administrative costs to your insurance provider that result just from taking monthly payments. A clear example of such is the cost associated with sending out payment notices..

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

3. Electronic Funds Transfer (abbreviated as EFT) is an easy way to bring down your California automobile insurance premium. By doing this you authorize your insurance provider to automatically withdraw your premiums from your account at specified intervals. This saves the insurance company in many ways such as removing the cost of sending payment notices and the cost associated with processing checks. Your insurance carrier passes part of what they save to you by bringing down your rates.

4. Take out some time to visit at least five insurance quotes sites that return quotes on California auto insurance policies. Doing this should require not more than 25 minutes.

As you visit each site, make sure you give the same information. Doing otherwise will return misleading results. When you've obtained your auto insurance quotes, compare them to see which serves your interest best both in price and value.

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