How long has it been since you shopped around for more affordable insurance rates in Anchorage, AK? Anchorage buyers have a choice when searching for affordable Saturn VUE insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to find the lowest rates.
There is a better way to buy insurance so we’re going to tell you the best way to compare rates for your Saturn and find the lowest price from Anchorage insurance agents and online providers.
Consumers should take time to do rate comparisons as often as possible since prices fluctuate regularly. Just because you found the best rates on Saturn VUE insurance in Anchorage a year ago you will most likely find a better rate quote today. Ignore everything you know about insurance because we’re going to demonstrate the easiest way to lower your rates without sacrificing coverage.
Lowering your Saturn VUE insurance rates is pretty simple and can save money. You just need to take the time comparing price quotes from some recommended companies.
The car insurance companies shown below can provide free quotes in Alaska. If you wish to find cheap car insurance in Anchorage, it’s a good idea that you get prices from several of them to get the best price comparison.
Cheaper rates with discounts
Insurance is not inexpensive, but you may be missing some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but some must be asked for in order for you to get them.
- Senior Citizen Rates – Mature drivers may qualify for reduced rates.
- Paper-free Discount – Some of the larger companies may give you up to $50 for completing your application digitally online.
- Early Renewal Discounts – Some companies give discounts for renewing your policy prior to your current VUE insurance policy expiring. The savings is around 10%.
- Discounts for New Vehicles – Insuring a new VUE can get you a discount since new vehicles have better safety ratings.
- Military Rewards – Having a family member in the military could mean lower prices.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will lower your overall premium however.
The illustration below shows the comparison of Saturn VUE car insurance rates with and without policy discounts. The data is based on a female driver, a clean driving record, no claims, Alaska state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-policy, homeowner, and multi-car discounts applied.
Larger insurance companies and the discounts they provide are included below.
- GEICO offers discounts for five-year accident-free, seat belt use, good student, anti-lock brakes, and emergency military deployment.
- USAA may include discounts for vehicle storage, defensive driver, multi-policy, annual mileage, and multi-vehicle.
- Progressive has discounts for good student, continuous coverage, multi-policy, multi-vehicle, online signing, online quote discount, and homeowner.
- American Family discounts include TimeAway discount, accident-free, multi-vehicle, good student, air bags, defensive driver, and good driver.
- Esurance may offer discounts for multi-car, good student, safety device, renters, paid-in-full, and online quote.
- Farmers Insurance policyholders can earn discounts including multi-car, mature driver, distant student, teen driver, electronic funds transfer, and pay in full.
- State Farm includes discounts for defensive driving training, safe vehicle, Drive Safe & Save, passive restraint, good student, and student away at school.
When getting free Anchorage car insurance quotes, it’s a good idea to each company to apply every possible discount. Savings might not be offered in Anchorage. To find insurers who offer online Saturn VUE insurance quotes in Alaska, click here.
Saturn VUE coverage analysis
The price information shown next highlights different insurance coverage prices for Saturn VUE models. Learning more about how auto insurance policy rates are figured can be of help when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $234 | $348 | $272 | $16 | $82 | $952 | $79 |
| Vue XR 2WD | $234 | $422 | $272 | $16 | $82 | $1,026 | $86 |
| Vue XR-L 2WD | $264 | $422 | $272 | $16 | $82 | $1,056 | $88 |
| Vue XR AWD | $264 | $422 | $272 | $16 | $82 | $1,056 | $88 |
| Vue XR-L AWD | $264 | $498 | $272 | $16 | $82 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price information does not factor in your specific Anchorage location which can raise or lower rates considerably.
Higher deductibles lower rates
The hardest decision when buying coverage is what deductibles to buy. The following insurance rates can help show the differences in premium rates between low and high comp and collision deductibles. The first price estimate table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $234 | $348 | $272 | $16 | $82 | $977 | $81 |
| Vue XR 2WD | $234 | $422 | $272 | $16 | $82 | $1,051 | $88 |
| Vue XR-L 2WD | $264 | $422 | $272 | $16 | $82 | $1,081 | $90 |
| Vue XR AWD | $264 | $422 | $272 | $16 | $82 | $1,081 | $90 |
| Vue XR-L AWD | $264 | $498 | $272 | $16 | $82 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $130 | $184 | $272 | $16 | $82 | $684 | $57 |
| Vue XR 2WD | $130 | $222 | $272 | $16 | $82 | $722 | $60 |
| Vue XR-L 2WD | $146 | $222 | $272 | $16 | $82 | $738 | $62 |
| Vue XR AWD | $146 | $222 | $272 | $16 | $82 | $738 | $62 |
| Vue XR-L AWD | $146 | $262 | $272 | $16 | $82 | $778 | $65 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can affect insurance rates greatly.
We can derive from the above data that using a $100 deductible costs about $28 more each month or $336 a year across all Saturn VUE models than opting for the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 32 months between claim filings, you would save money if you choose the higher deductible.
Insurance premiums based on gender
The chart below illustrates the difference between Saturn VUE auto insurance costs for male and female drivers. Data assumes no violations or claims, full coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Informed Consumers Know How to Get Insurance at a Discount
The best way to find cheaper insurance is to take a look at some of the things that come into play when calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you much lower annual insurance costs.
The itemized list below are just a few of the factors used by companies to determine your rate level.
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Mature drivers are lower risk – Older drivers are viewed as being more responsible, file fewer claims, and get fewer tickets. Young drivers have been known to get distracted easily behind the wheel therefore insurance rates are much higher.
The following chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
- Your vocation may affect premiums – Careers like doctors, police officers, and medical professionals are shown to have higher premiums than the average policyholder due to high stress levels and long work hours. Other professions such as farmers, engineers and the unemployed have the lowest average rates.
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How’s your driving record? – Having a single speeding ticket or other violation may cause rates to rise twenty percent or more. Good drivers get better prices than people who have multiple driving citations. Drivers unfortunate enough to have license-revoking violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.
The diagram below shows how violations and at-fault fender-benders can raise Saturn VUE auto insurance rates for each age group. Data assumes a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
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The type of car, truck or SUV makes a difference – The performance of the car you own makes a significant difference in your premium level. Economy passenger cars usually have the lowest premiums, but many other things help determine your insurance rates.
The data below is based on a married female driver age 30, full coverage with $250 deductibles, and no discounts or violations. The chart compares Saturn VUE rates compared to other models that have a range of performance rating factors.
- Too many insurance claims and you’ll pay more – If you frequently file small claims, don’t be surprised to see higher rates. Insurance companies in Alaska award better rates to insureds who only file infrequent claims. Insurance coverage is meant to be used in the event of more catastrophic claims.
- Good credit equals lower rates – An insured’s credit history will be a significant factor in determining your rates. Therefore, if your credit is not that good, you could pay less to insure your Saturn VUE by spending a little time repairing your credit. People that have very good credit scores tend to be more responsible as compared to drivers with poor credit.
- Compare rates if you combine your policies – Most major companies afford a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, drivers will still want to compare other company rates to guarantee you are still saving the most.
Exclusive and independent auto insurance agents
Certain consumers still like to get professional advice from a licensed agent and that is a smart decision Good insurance agents will help you protect your assets and help submit paperwork. A nice benefit of comparing rates online is that drivers can save money and get lower prices and still have an agent to talk to. And supporting local agents is especially important in Anchorage.
By using this form (opens in new window), your insurance coverage information gets sent to companies in Anchorage that give free quotes to get your business. It’s much easier because you don’t need to drive around since price quotes are sent to you instantly. In the event you want to compare rates from a particular provider, you would need to search and find their rate quote page and complete a quote there.
Different types of Anchorage car insurance agents
If you want to buy car insurance from a good Anchorage insurance agent, it’s helpful to know the different agency structures to choose from. Agents are either independent or exclusive. Either type can properly insure your vehicles, but it’s important to point out why they differ since it can impact the kind of agent you use.
Independent Agencies or Brokers
Agents that elect to be independent often have many company appointments and that allows them to write policies with many different companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies and you can keep the same agent.
When shopping rates, you will want to check rates from independent agents to get the best comparison. Most can insure with small mutual carriers that may have much lower rates than larger companies.
The following is a small list of independent agents in Anchorage that may be able to provide pricing information.
- Denali Alaskan Insurance LLC
440 E 36th Ave #300 – Anchorage, AK 99503 – (907) 257-1625 – View Map - Integrity Insurance Agency
1505 W 34th Ave – Anchorage, AK 99503 – (844) 878-0258 – View Map - The Wilson Agency
3000 A St #400 – Anchorage, AK 99503 – (907) 277-1616 – View Map
Exclusive Car Insurance Agents
Agents of this type can usually just insure with one company like State Farm, Allstate, or Farmers Insurance. They are unable to place coverage with different providers so keep that in mind. Exclusive agencies are usually well trained on the products they sell which can be an advantage. Some insured continue to use the same exclusive agent partially due to the brand name and strong financial ratings.
Below is a list of exclusive insurance agencies in Anchorage willing to provide comparison quotes.
- Randy Rhodes State Farm Insurance
5915 Lake Otis Pkwy Suite 2 – Anchorage, AK 99507 – (907) 644-7997 – View Map - Lisa Sanders – State Farm Insurance Agent
8427 Laviento Dr #201 – Anchorage, AK 99515 – (907) 344-0506 – View Map - Allstate Insurance: Stanley Tebow
8201 Old Seward Hwy a – Anchorage, AK 99518 – (907) 344-3301 – View Map
Selecting an insurance agent needs to be determined by more than just a cheap price. Here are some questions you should ask.
- How experienced are they in personal risk management?
- Is the agent properly licensed in Alaska?
- Can you contact them at any time?
- Which companies can they place coverage with?
- Are all drivers listed on the coverage quote?
- How are they compensated?
- Will the agent or a CSR service your policy?
You can find cheap coverage
Discount Saturn VUE insurance in Anchorage can be bought on the web and from local insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who may not have internet price quotes and many times these smaller companies work with local independent agents.
Drivers who switch companies do it for a variety of reasons including policy non-renewal, extreme rates for teen drivers, high prices and questionable increases in premium. It doesn’t matter what your reason, finding a new car insurance company can be pretty painless.
We covered a lot of techniques to find cheap Saturn VUE insurance in Anchorage. The key concept to understand is the more quotes you get, the better your comparison will be. You may even be surprised to find that the best prices are with some of the lesser-known companies.
How to find affordable Saturn VUE insurance in Anchorage
If you want to save money, the best way to save on car insurance rates is to compare quotes once a year from insurers that sell auto insurance in Anchorage. This can be done by following these steps.
- Step 1: Spend a few minutes and learn about how insurance works and the steps you can take to prevent expensive coverage. Many risk factors that increase rates like traffic tickets, fender benders, and a less-than-favorable credit rating can be improved by making lifestyle changes or driving safer.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while independent agencies can quote rates for many different companies. View companies
- Step 3: Compare the new quotes to your existing coverage to see if cheaper VUE coverage is available in Anchorage. If you can save some money and buy the policy, make sure there is no coverage gap between policies.
A good tip to remember is to try to use similar coverage information on each quote request and and to get rate quotes from as many companies as feasibly possible. Doing this helps ensure a level playing field and a complete price analysis.
Much more information about car insurance in Alaska can be found at the links below
- Teen Driving Statistics (iihs.org)
- What Insurance is Cheapest for Veterans in Anchorage? (FAQ)
- What Car Insurance is Cheapest for a Learners Permit in Anchorage? (FAQ)
- Who Has the Cheapest Anchorage Auto Insurance Quotes for Drivers with Good Credit? (FAQ)
- How Much are Auto Insurance Quotes for a Hyundai Santa Fe in Anchorage? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Rental Car Insurance Tips (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)