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Thursday, April 5, 2007
How to Get Cheap Car Insurance in Cleveland
You can save money on Cleveland car insurance, and possibly even get cheap Cleveland car insurance, simply by changing the schedule you follow to pay your Ohio auto insurance premiums.
Cleveland car insurance companies charge what is called a “fractional premium fee.” You have a fractional premium when you divide your annual Cleveland car insurance premiums into installments of six months, three months, or one month. (This means you make your Ohio car insurance payment every six months, every three months, or every month.) Many people choose to pay their car insurance premiums once a month; they figure it’s easier to pay an amount that seems low compared to what a payment for three or six months would be. Yet, Cleveland drivers are charged a fractional premium fee that increases as the number of times they pay their car insurance premiums increases.
For example, if you pay your Cleveland car insurance premium every three months, you would pay a lower fractional premium fee than a driver who pays his or her car insurance premium every month.
As you’re shopping for cheap Cleveland car insurance, ask the various insurance agents about the company’s policies regarding fractional premium fees. Get a specific fee amount before you sign up for monthly premium payments. When you add up the monthly fractional premium fees for an entire year, you may find out that what you thought was a low Ohio car insurance premium each month could actually be lower. At this point, you can decide whether you want to make your Cleveland car insurance payments once a month, or only a few times a year.
While you’re at it, ask the insurance agent about the different methods offered for making payments. Sometimes insurance companies allow policyholders to make payments directly from their bank accounts, as opposed to sending in a check. When the insurance company can withdrawal your premium, it usually cuts out a processing fee, helping you get even cheaper Cleveland car insurance!
Cleveland car insurance companies charge what is called a “fractional premium fee.” You have a fractional premium when you divide your annual Cleveland car insurance premiums into installments of six months, three months, or one month. (This means you make your Ohio car insurance payment every six months, every three months, or every month.) Many people choose to pay their car insurance premiums once a month; they figure it’s easier to pay an amount that seems low compared to what a payment for three or six months would be. Yet, Cleveland drivers are charged a fractional premium fee that increases as the number of times they pay their car insurance premiums increases.
For example, if you pay your Cleveland car insurance premium every three months, you would pay a lower fractional premium fee than a driver who pays his or her car insurance premium every month.
As you’re shopping for cheap Cleveland car insurance, ask the various insurance agents about the company’s policies regarding fractional premium fees. Get a specific fee amount before you sign up for monthly premium payments. When you add up the monthly fractional premium fees for an entire year, you may find out that what you thought was a low Ohio car insurance premium each month could actually be lower. At this point, you can decide whether you want to make your Cleveland car insurance payments once a month, or only a few times a year.
While you’re at it, ask the insurance agent about the different methods offered for making payments. Sometimes insurance companies allow policyholders to make payments directly from their bank accounts, as opposed to sending in a check. When the insurance company can withdrawal your premium, it usually cuts out a processing fee, helping you get even cheaper Cleveland car insurance!
# posted by gopi @ 6:46 AM 
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