Cheap California Car Insurance Rate -- Easy But Sure-Fire Ideas

1. Make sure your California car insurance policy is not allowed to lapse no matter what.. It will sentence you to high premiums for a considerable length of time. This happens to many folks while they are switching to another insurance carrier.

Don't cancel your old policy until the new one is fully functional and you'll not make this costly mistake. It looks simple but, believe it or not, a lot of individuals are paying higher rates today simply because they made this mistake.

2. If you opt to pay your premiums monthly, you'll pay higher rates. You may be told monthly payments are easy but what you're not told is how much more you pay for it..

If you do transactions with banks you will agree with me that each check you process is considered transaction which attracts a certain charge. For 12 payments (that is, your monthly premiums) you'll have a total of twelve transactions. This means that you will pay transaction fees twelve times..

There are also administrative costs to your insurance provider that are due to monthly payments. For example, it costs insurance companies millions of dollars yearly to send out payment notices..

The additional administrative cost to an insurance provider is eventually borne by you (that's in addition to their own profit margin for providing such a "convenient" alternative).

3. Electronic Funds Transfer (abbreviated as EFT) is a smart way to lower your California auto insurance premium. This simply means your insurance provider withdraws your premiums automatically from your account each month without sending you payment notices. This removes administrative costs like those involved in sending payment notices. This is why this attracts lower rates.

4. You can reduce your auto insurance costs by asking for and comparing quotes from at least five good quotes sites.

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