Foley, Alabama
721 N McKenzie St
Foley, AL 36535
(251) 942-6837

5 Strategies to Lower Your Auto Insurance Rates September 16, 2019

Foley, Baldwin
5 Strategies to Lower Your Auto Insurance Rates, Foley, Alabama

While auto insurance is a necessary part of driving, it can be hard to enjoy the protection that it provides when your rates are tough on your budget. Fortunately, these premiums aren’t set in stone. Insurance providers base a policyholder’s rate on several factors that determine the driver’s overall risk—many of which can change and improve over time. If you’re looking to lower your car insurance payments, here are just a few ways you can influence those factors and save money.

5 Tips to Reduce Car Insurance Payments

1. Drive With Care

If you don’t have a good driving record—or any driving history at all—your auto insurance company will consider you to present an additional risk when behind-the-wheel. Making an effort to drive carefully can help you establish a better record, and lower your rates, over time. Some providers will also offer discounts to policyholders who take defensive driving courses or use an in-car device that monitors on-road behaviors.

2. Buy a Safer Car

auto-insurance-foley-alWhen it comes time to buy a new car, consider how its features may influence your coverage premiums. Typically, vehicles that have a higher safety rating or minimal average repair needs can be protected with lower rates. Anti-theft devices—such as car alarms and GPS tracking—can also help drivers save on comprehensive coverage.

3. Improve Your Credit

Having no or poor credit history can make you a higher risk to insurers. By making an effort to lower your overall total debt and make payments on time, your credit score can improve. Once your score improves, check with your provider to see if you qualify for lower auto insurance rates.

4. Increase Deductibles

A deductible is the amount you must pay on a claim before your insurance coverage kicks in. When this number is higher, the premiums typically drop. Keep in mind that if you adopt this strategy, you will have to pay a greater amount in the event you get into an accident.

5. Bundle With Other Policies

Many providers will offer attractive discounts to policyholders that bundle different types of coverage. For example, if you get your homeowners insurance from the same company that insures your vehicle, you can usually put a few dollars back in your pocket.


When you’re looking to reduce your premiums, get a quote from Absolute Insurance Agency in Foley, AL. Serving both new and experienced motorists, this Gulf Coast agency is committed to helping policyholders lock-in low rates by creating customized plans and exploring advantageous discounts. In addition to affordable premiums, this provider is also recognized for their stellar customer support—especially when it comes to making claims. Visit this company online to learn more about their comprehensive business, home, and auto insurance options or call (251) 942-6837 to request a personalized quote.

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