How To Get the Lowest Rates for Car Insurance
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.
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