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Do you know that you can help your insurer deliver much cheaper free insurance quotes to you? Yes, this is a fact that many people don’t know. They only think about insurance from the point of view of managing risks. They do NOT know that providers also consider the cost of delivering their services.

So if you can help them save on administration or related matters, you will definitely get a much lower rate. Here’s one way you can do this…

If you are currently paying by check then you should understand that you are raising your insurer’s cost of doing business with you. Why is this the case? It is the case because your insurer bears transactions costs and costs associated with mailing you notices. This is worse if you are on monthly payments.

If you switch to Electronic funds transfer (known as EFT for short) you will save them all such unnecessary savings. These savings will inevitably be passed on to you and, this way, you would have helped your provider to give you a lower rate.

There are very many ways that you can cut down your premium. One of them is taking advantage of the many discounts offered by providers out there. However, it’s important to note that NOT all that glitters is gold. There are many other sides to these discounts. But that said, they will help you in your quest for cheap free insurance quotes.

Like I was saying earlier, these discounts will help you save but they often have at least one other side to them that you might want to be aware of. Let’s pick the loyalty discount as an example…

Do you know that you have to stay for at least three to five years to be eligible for this discount? And if so, do you know that a lot of things would have changed a lot within the space of five years.

For example, your car would definitely be worth a lot less than it was five years ago. Your coverage needs too would almost always be different after five years. But more importantly, there might be far better offers out there for you to take advantage of. That is, assuming you even did a thorough job of getting and comparing quotes initially in the first place.

So what do these all point to? They point to the fact that you might actually be short-changing yourself by staying put with an insurer all in the name of getting a loyalty discount. You can only be sure that you are making the right move if you get and compare quotes from a wide range of insurers first and then are certain that you are better off where you are.

Someone might want to argue about the NO Claims Bonus and things like that. Just bear in mind that a great driver is a great driver and gets serious concessions from every insurer. If you’ve stayed claims free for up to five years, it will still count no matter the insurer you are with. Your accident records are in the public domain at least as far as insurance providers are concerned. They do check these records because they have access to them.

So if you are really looking for ways to get really cheap auto insurance then you have to get and compare quotes every now and then to ensure you are NOT getting short-changed.