Techniques for Lowering Your Alaska Car Insurance Rates

Sick and tired of trying to scrape together enough money to buy car insurance? You are in the same boat as millions of other consumers. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

If you have insurance now or need new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Finding the best rates is quite easy. Alaska consumers only need an understanding of the most efficient way to shop their coverage around on the web.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Most are applied at the time of purchase, but a few must be inquired about before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Defensive Driver – Successfully completing a course in driver safety could save 5% or more if you qualify.
  • No Accidents – Drivers who don’t have accidents can earn big discounts compared to bad drivers.
  • Homeowners Savings – Owning a house may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Low Mileage – Fewer annual miles can earn better rates on cars that stay parked.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less than drivers with accidents.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

It’s important to note that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will help reduce your premiums.

To see a list of providers who offer car insurance discounts in Alaska, follow this link.

Comprehensive Alaska Car Insurance Comparison Quotes

Getting a lower price on insurance isn’t really that difficult. You just have to invest a little time comparing rates online with multiple companies. This can be done using a couple different methods.

  • The single most time-saving way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for boring form submissions for every car insurance company. Just one form will return price quotes instantly.
  • A less efficient way to compare prices requires a trip to the website for every company you want to comare to complete a price quote. For example, we’ll assume you want to compare rates from State Farm, Farmers and GEICO. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same quote information for every quote you compare. If each company quotes differing limits it’s not possible to determine the lowest rate.

When might I need an agent?

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight whether or not you might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What discounts do I qualify for?
  • What should my uninsured motorist coverage limits be in Alaska?
  • When would I need rental car insurance?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

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One last thing

You just learned many tips how you can lower your car insurance rates. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the lowest premiums are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits and learned later that it was a big error on their part. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.