The road is an unpredictable place, so having high-quality auto insurance provides peace of mind and protection against the various hazards life can throw your way. As important as car insurance can be, no one wants to pay more than they have to or carry coverage they don’t really need. Fortunately, there are some steps you can take to lower your premiums without sacrificing coverage.

3 Tips for Reducing Auto Insurance Rates

1. Drive Safely

While the fine for most traffic infractions may not be very high, a single ticket can get very expensive in the long run. Insurance companies assume that drivers who’ve caused accidents or gotten speeding tickets in the past are more likely to file claims in the future. Obeying speed limits, using your signals, and following other traffic laws will not only make the roads safer for everyone, but it’ll also keep your auto insurance premiums down.

2. Take a Safe Driver Course

Many insurance carriers offer discounts to those who’ve completed a qualified safe driving course, which can be especially helpful to young drivers with high premiums. As an added benefit, some states will take points off of your license after passing the course, resulting in even more long-term savings.

3. Have an agent that is concerned about your needs. 

When shopping for auto coverage, bring along your homeowners or renters insurance policies, too. Many insurance agents offer coverage through multiple carriers and can switch your existing policies to another company which can lower your premium by hundreds of dollars per year. Using an insurance agent adds a personal touch that will help with your ever changing needs. 
 

Shopping for auto insurance can be confusing, which is why the agents at Russell Insurance Agency have dedicated themselves to helping Lower Alabama drivers get the coverage they need at the best rates possible. As an independent agency based in Robertsdale, they work with a variety of carriers and have the expertise to find options tailored to your unique situation. Service is our #1 Priority!!! Call (251) 947-3607 today to make an appointment and request a quote.