Feel like you’re a prisoner to overpriced car insurance? Trust us when we tell you many Palmer consumers feel financially strained by their car insurance policy.
Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
The are a couple different ways of comparing price quotes and find the best price. The easiest way to find competitive insurance rates is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.
It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages for every quote you compare. If you use different deductibles it will be next to impossible to decipher which rate is best in Palmer. Quoting even small variations in insurance coverages can result in a big premium difference. And when price shopping your coverage, having more price comparisons gives you a better chance of getting the best price.
Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Certain discounts will be applied when you complete an application, but a few must be specifically requested before you get the savings.
A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as comp or med pay. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will cut your premiums.
To choose providers with the best car insurance discounts in Palmer, follow this link.
Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.
Shown below are a partial list of the pieces used by your company to calculate prices.
Certain consumers prefer to get advice from a local agent and that is OK! The biggest benefit of price shopping on the web is you may find the lowest rates but still work with a licensed agent. Buying from local agencies is important particularly in Palmer.
To find an agent, once you fill out this quick form, your information is transmitted to companies in Palmer who will battle to get your business. You never need to drive around since price quotes are sent to your email. How’s that for easy! It’s the lowest rates and work with a local agent.
When researching a reputable insurance agent or broker, you must know there are a couple different agency structures to choose from. Agencies in Palmer are either independent (non-captive) or captive.
Independent agents are not required to write business for one company so they have the ability to put coverage with many different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.
When comparing rates, it’s a good idea to include at least one independent agent to ensure the widest selection of prices.
Shown below are Palmer independent agencies who can help you get price quote information.
Pippel Insurance – 9061 E Frontage Rd – Palmer, AK 99645 – (907) 745-3261
Stan Tebow Insurance – Mile 1.3 Palmer Wasilla Hwy – Palmer, AK 99645 – (907) 746-6970
These agents write business for a single company such as American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. They are very knowledgeable on the products they sell which can be an advantage.
Listed below are captive agencies in Palmer willing to provide rate quotes.
Allstate Insurance – Mile 3.2 Palmer Wasilla Hwy – Palmer, AK 99645 – (907) 746-0505
For a full directory of captive agents in Palmer, please go to this site.
Deciding on an auto insurance agent should depend on more than just the price. Some important questions to ask are:
Once you have received positive responses to any questions you have and locked in a price quote, it’s possible that you found an auto insurance agent that will provide car insurance coverage.
When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions might help in determining whether you may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.
Additional car insurance information can be found on the website for the Alaska Division of Insurance. Click here for link. Visitors are able to learn about insurance regulations, find a variety of consumer forms, find out industry alerts, and learn about specific coverages.
In this article, we covered a lot of techniques to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with an unexpected company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.
When shopping online for car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.