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Counting moneyYou have several options when it comes to buying auto insurance. Sometimes, it is better to pay the full balance you owe to the insurer at one time. You do not always have to do this. However, there are some advantages to doing so. When you buy car insurance, work with your agent to get the price just right. These tips can help you.

Paying in Full Saves You Money

Take a look at the statement your auto insurance provider gives to you. Most often, the policy details outline a few key things for you. A component of this is the costs to your policy.

Some companies charge a fee if you pay your bill over a period of time. For example, you may pay a few extra dollars if you are paying the policy monthly. This fee goes to cover the cost of the multiple transactions the company has to make.

Therefore, if you skip this, you may save money. If you pay your policy in full each month, the insurance company saves money. They pass this on to you. Most policy statements outline how much savings is applicable. It may be as much as 5 to 10 percent of the total cost.

Other Money Saving Tips

Everyone wants to save money on car insurance. It may not be as hard to do as you think, though. Here are a few tips to help you.

  • Be sure everyone in your home is on the same policy, even if they are adults. Bundling like this can reduce total costs by 20 percent or more.
  • Install security on your cars. Simple alarms and touch-alarms can increase the protection for your car in seconds. Your insurance agent is almost sure to offer a discount if you make the car safer. Add a GPS unit to the car, too.
  • Assess the value of your auto insurance policy every year. Is your car still worth the maximum amount listed on your policy? If not, reducing this coverage amount could reduce your costs.

Most importantly, ask your Santa Ana car insurance agent for discounts. Many times, they can provide insight into ways to reduce what you are paying. This is especially true if you have the same policy you had 5 to 10 years ago. New discounts and rewards could help you save significantly. Your agent wants to keep your business. And, they want to keep you happy. Asking for a discount on your auto insurance is one way they can do that for you.

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