Getting auto insurance discounts do not just happen.
You have to study the market.
Know what to look for and apply the knowledge in negotiating and getting discounts.
I'll give you a few tips on how to do just that.
A.
Insurance companies have different payment plans.
Most would allow you to pay with whatever plan you chose.
You can pay in installments, monthly, bi-monthly, every six months or annually.
One thought you must hold is that the more you break down your payments, the costlier your rates.
B.
How much coverage do you need? Do not take out all the policies that are peddled to you.
Determine what really suits your need.
Be very careful though that you are not under insured.
What you use the vehicle for and how you use it also determines how much coverage you need.
If you use your vehicle just to commute to work and some other household chores, your coverage would be different from one who use the vehicle for business purposes.
A person who has a clean driving record would also have a different rate from one who has several tickets.
C.
Ensure that you inform your insurance agent if you have to change companies.
Cancel your old policy immediately; be sure that you have a new policy before you do so.
Do not leave any time lapse between policies.
Because some states would fine you for the number of days you go without auto insurance policy.
D.
Ask your trusted friends and acquaintances about the insurance companies that they use.
Their referral should serve as a guide for you to know where to start from.
Draw up a list of the companies that appeal to your needs and then compare and contrast prices and services rendered.
The time you spend in doing your research and comparison shopping can save you hundreds of dollars.