- 1). In order to get the lowest insurance rate, ask for the lowest rate possible. (Getting the lowest rate will include insurance without collision insurance coverage for your vehicle, and minimum coverage as required by law in your state for injuries. Getting the lowest rate may require a higher deductable, the amount you pay yourself, before insurance pays the remaining balance owed, in the event of an accident).
- 2). In order to get the lowest insurance rate, get a quote for annual or semi annual prepaid rate. (This may save you a hundred dollars a year).
- 3). New insurance buyers get at least 2 prices, before you buy insurance. If you're too lazy to drop into more than one insurance office or make a phone call, that might save you a hundred dollars a year, just be lazy and poor.
- 4). Current policy holders with an existing insurance policy, should get another price quote at least one week before the existing policy expires. (Insurance agents may be reluctant to talk to a person, whose policy is expiring the same day as the visit. A customer with a cancellation notice would be a high risk customer). A higher price quote is likely on renewal day.
- 5). If getting insurance quotes locally has been exhausted, get a quote over the phone or on the Internet from an out of town insurance company.
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