Shop For Palmer Car Insurance for the Lowest Rate With These Tricks

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.

Palmer Car Insurance Prices Online

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.

1. Probably the best way to get quotes for comparison is a comparison rater form click to view form in new window. This easy form prevents you from having to do repetitive form submissions to each individual car insurance company. Filling out one form will get you price quotes from multiple companies.
2. A different way to compare rate quotes is spending the time to visit the website of each company and complete a new quote form. For instance, let’s say you want to compare rates from GEICO, Safeco and GMAC. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in Palmer, click here.
3. The most time-consuming method of getting rate comparisons is driving to different Palmer agent offices. The internet can eliminate the need for a local agent unless you have a need for the professional advice that only a license agent can provide. However, consumers can price shop your coverage online and still use a local agent and we’ll touch on that later.

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.

Policy discounts you shouldn’t miss

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.

• Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accident claims.
• Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
• Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
• College Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
• Paperless Signup – Some insurance companies will give a small break just for signing your application on their website.
• Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
• Military Discounts – Having a deployed family member could be rewarded with lower premiums.
• Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.

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.

What impacts Palmer insurance rates?

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.

• Performance influences rates – The performance of the vehicle you are insuring makes a significant difference in how high your rates are. Low performance passenger vehicles usually have the lowest rates, but the final cost of insurance is determined by many other factors.
• Never allow your policy to lapse – Having an insurance coverage lapse is a guaranteed way to increase your car insurance rates. And not only will your rates increase, getting caught without coverage will get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with the Alaska department of motor vehicles.
• Policy add-ons can waste money – There are quite a few add-on coverages you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and motor club memberships may be costing you every month. They may seem good when you first buy your policy, but if you don’t need them remove them from your policy.
• Liability insurance protects assets – Liability insurance is the protection when a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
• Mature drivers pay less – Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teen drivers are statistically proven to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.

Your local neighborhood insurance agent

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.

The different types of insurance agents

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 Insurance Agents

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

Captive Insurance Agents

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:

• If your car is in the repair shop, do you have coverage for a rental car?
• Do they make recommendations based only on price?
• Do they specialize in personal lines coverage?
• Is vehicle damage repaired with OEM or aftermarket parts?
• If you have an accident, will your rates go up?
• Who is covered by the car insurance policy?
• Do they assist clients in filing claims?
• Are they full-time agents?

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.

Is my situation unique?

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.

• Am I covered when driving in Canada or Mexico?
• Is my teen driver covered when they drive my company car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is my nanny covered when driving my vehicle?
• Should I buy additional glass protection?
• Should I put collision coverage on all my vehicles?
• Is business equipment covered while in my vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• When do I need to add a new car to my policy?

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.

More effort can pay off

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.