Do you ever wonder why everyone you know pays less for car insurance? Many times the best way to pay less over the next 5 years is to pay more today. Seem crazy? Here are a couple things insurance carriers look for when giving out the best rates:
• High prior liability rates (100/300/100 or higher)
• At least 3 years with prior carrier
• Make sure to never let a policy lapse for non-pay. If you need to cancel make sure you call.
• Being insured with a Preferred carrier not a standard or non-standard carrier.
• Pay annual, semi-annual, or automatic draft.
• Accept email for document and billing information
• Credit, Credit, Credit. This greatly impacts auto rates
• Not-At fault accidents, glass claims, emergency assistance, comprehensive claims. All of these actually do impact your rates.
Some of these choices may cost you more today but over 3-5 years you will become a preferred risk and get the best rates carriers offer.