I can’t think of anyone who looks forward to buying auto insurance, especially knowing the cost is way too high.
Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the best rate
Consumers need to compare prices quite often due to the fact that insurance rates change frequently. Just because you found the best deal on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.
Most companies quote pricing directly from their websites. Getting online rates is pretty easy as you just type in the coverages you want as requested by the quote form. After the form is submitted, their rating system will order your credit score and driving record and returns pricing information determined by many factors. Online price quotes makes it a lot easier to compare rates but the time required to go to several different sites and complete many quote forms can be a bit repetitive. But it is imperative to have as many quotes as possible in order to find the lowest possible prices on auto insurance.
A quicker way to lower your auto insurance bill is to use a quote form that analyzes rates from multiple companies. The form is fast, eliminates form submissions, and makes online quotes a lot less work. Immediately after submitting the form, it gets priced and you are able to buy your choice of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.
In order to get comparison pricing now, click here to open in new window and fill out the form. To compare your current rates, we recommend you input exactly as they are listed on your policy. This ensures you are getting a rate comparison for exact coverage.
Companies that sell car insurance don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find auto insurance savings.
A little note about advertised discounts, most discount credits are not given to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.
To see a list of insurance companies offering auto insurance discounts in Kenai, click here to view.
A small number of people just want to get advice from a local agent and that is a personal choice. The best thing about getting online price quotes is the fact that you can find the lowest rates but still work with a licensed agent.
To find an agent, once you fill out this short form, your insurance coverage information is sent to participating agents in Kenai who will give you bids to get your business. You never need to even leave your home due to the fact that quote results will go to your email. Now that’s easy! You can find better rates and work with a local agent.
Selecting an insurance company needs to be determined by more than just the price. These are valid questions to ask:
When looking for a reliable agent, you need to know there are two different agency structures to choose from. Insurance agencies in Kenai can either be captive or independent.
Captive agencies write business for a single company and some examples include State Farm, Allstate and AAA. They generally cannot compare other company’s rates so they have to upsell other benefits. Captives are very knowledgeable in insurance sales and that can be a competitive advantage.
Independent agencies do not work for one specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and that require little work on your part. When comparison shopping, you should always get quotes from at least one independent agent for the best price selection.
The following are independent agencies in Kenai that can give you price quote information.
A Kenai Alaska Insurance – 5791 Kenai Spur Hwy – Kenai, AK 99611 – (907) 283-4191
Brown Agency – 110 S Willow St # 106 – Kenai, AK 99611 – (907) 283-7834
Kristie Leaf Insurance – 10735 Kenai Spur Hwy # 1 – Kenai, AK 99611 – (907) 283-7116
To view a complete directory of auto insurance agents in Kenai, simply jump to this page.
Once you have received positive responses to all your questions as well as a affordable price, you’ve probably found an insurance agency that is a good match to insure your vehicles.
When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight whether or not you might need an agent’s assistance.
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
It’s important that you understand some of the elements that play a part in calculating your auto insurance rates. 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.
Allstate and Progressive regularly use television and radio advertisements. All the companies make an identical promise that you can save if you move to them. How can each company say the same thing? It’s all in the numbers.
Different companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a driver they prefer could possibly be between 25 and 40, a clean driving record, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.
Potential customers who don’t qualify for this ideal profile will be quoted a more expensive rate which usually ends up with business going elsewhere. The ads state “customers that switch” not “people who quote” save that much money. This is how companies can claim big savings. This emphasizes why you should get as many comparisons as possible. It’s not possible to predict which auto insurance company will give you the biggest savings.
While you’re price shopping online, you should never skimp on coverage in order to save money. There are too many instances where an insured dropped collision coverage only to regret that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
Low-cost auto insurance can be bought from both online companies in addition to many Kenai insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
More detailed Alaska auto insurance information can be found at the Alaska Division of Insurance website. Alaska consumers can view agent and company licensing information, learn about insurance regulations, find out which companies have the most complaints, and file complaints about an insurance agent or broker.