Buy Petersburg Alaska Car Insurance Like a Penny-pincher

I can’t think of a single person who cherishes buying car insurance, in particular when the cost is too high.

Numerous car insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive best rate

You should take the time to shop coverage around occasionally because insurance rates are usually higher with each renewal. Even if you think you had the best rates two years ago the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because we’re going to show you the best way to save money, get proper coverage and the best rates.

Lower rates by qualifying for discounts

Auto insurance companies don’t list every available discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find ways to save on car insurance.

  • Multi-policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • No Claims – Drivers who don’t have accidents pay much less compared to bad drivers.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less than less cautious drivers.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Defensive Driving Course – Successfully completing a course in driver safety can save you 5% or more if you qualify.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

For a list of providers with the best car insurance discounts in Alaska, click here to view.

Free Petersburg Car Insurance Quotes

Most major insurance companies such as State Farm, Allstate and GEICO provide coverage prices directly from their websites. This process is fairly simple as you simply enter your coverage information into a form. Once you submit the form, their system automatically retrieves reports for credit and driving violations and provides a quote based on these and other factors. Online quotes streamlines rate comparisons, but the work required to visit many different websites and enter the same data into a form can get tiresome after awhile. But it is imperative to have as many quotes as possible if you want to find lower prices.Alaska car insurance prices

Quote rates the easy way

A more efficient way to compare rates utilizes a single form to obtain quotes from several companies at one time. This type of form saves time, eliminates repetitive work, and makes rate comparisons a little more enjoyable. After your information is entered, it is rated with multiple companies and you can pick any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To save time and use this form to compare rates, click here and fill out the form. If you have a policy now, it’s recommended you copy your coverages as shown on your current policy. Doing this assures you will have rate comparison quotes based on similar coverages.

Why your price might be higher

It’s important that you understand the different types of things that go into determining the price you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Where you reside plays a part – Being located in small towns and rural areas can be a good thing when talking about car insurance. City drivers have much more traffic and longer commute times. Fewer people translates into fewer accidents and a lower car theft rate.
  • Older drivers save more – Mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Young drivers tend to be careless and easily distracted in a vehicle therefore car insurance rates are much higher.
  • Performance influences rates – The type of vehicle you drive makes a big difference in your rates. Lower performance four cylinder passenger cars receive the most favorable rates, but other factors influence the final cost greatly.
  • Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you if ever a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Battle of the sexes – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. Men and women have accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.

Save $467 a year. For real?

Companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the ads have a common claim about savings if you change your coverage to them. But how can every company claim to save you money? This is how they do it.

All companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a driver they prefer might be profiled as a mature driver, has no tickets, and drives newer vehicles. A driver who matches those parameters is entitled to the best price and therefore will save when switching.

Potential customers who don’t measure up to these standards will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that much money. This is how companies can make the claims of big savings. This emphasizes why it is so important to get as many comparisons as possible. Because you never know which car insurance company will have the lowest rates.

One last thing about your coverage

We’ve covered a lot of information how to get a better price on car insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from a small local company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced full coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Alaska insurance information

Additional detailed information can be read at the Alaska Division of Insurance website. Alaska consumers can download brochures, find out industry alerts, and file complaints about an insurance agent or broker.