Sadly, a large majority of car insurance policyholders kept buying from the same company for at least four years, and just under half have never shopped around. Many drivers in Anchorage can save as much as 35% each year just by comparing rates, but they mistakenly think it’s difficult to go online and compare rates.
If saving the most money is your goal, then the best way to find low-cost prices for Chevy City Express insurance in Anchorage is to start comparing prices regularly from companies who provide auto insurance in Alaska.
- Gain an understanding of how auto insurance works and the measures you can take to keep rates down. Many factors that result in higher rates such as multiple speeding tickets and a poor credit score can be rectified by making minor changes in your lifestyle. Keep reading for more ideas to keep prices down and find overlooked discounts.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agents can provide price quotes for many different companies.
- Compare the new rates to the premium of your current policy to see if a cheaper rate is available in Anchorage. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.
- Provide notification to your current agent or company to cancel your current coverage. Submit payment along with a signed and completed policy application to the new insurer. Make sure you put the new certificate of insurance in an accessible location in your vehicle.
One important bit of advice is to use the same coverage limits and deductibles on every quote and and to get prices from as many car insurance companies as possible. This guarantees a level playing field and a thorough selection of prices.
If you’re already insured, you will definitely be able to lower your rates using the concepts covered in this article. Pricing the cheapest coverage in Anchorage is not as difficult as people think. Nevertheless, Alaska drivers benefit from understanding how the larger insurance companies determine how much to charge and use it to your advantage.
The majority of larger companies like 21st Century, Allstate and State Farm give insurance quotes from their websites. Getting quotes for Chevy City Express insurance in Anchorage doesn’t take much effort as all you need to do is type in the coverage amounts you desire as detailed in the form. Once you submit the form, their quoting system will obtain your credit score and driving record and quotes a price based on the information you submitted.
Quoting online for Chevy City Express insurance in Anchorage streamlines rate comparisons, and it’s also necessary to have as many quotes as possible in order to find the best possible rates on car insurance.
To find out what other companies charge, compare quotes from the companies shown below. If you have a policy now, it’s recommended you duplicate your coverages identical to your current policy. This guarantees you are getting rate quotes for exact coverage.
The car insurance companies shown below can provide price quotes in Anchorage, AK. If you want to find the cheapest auto insurance in Anchorage, we recommend you visit two to three different companies to get the most competitive price.
Determine discounts to get cheap Anchorage insurance rates
Some insurance providers do not advertise every discount they offer very clearly, so here is a list some of the best known and also the more inconspicuous discounts you could be receiving when you buy Anchorage auto insurance online.
- Student Driver Training – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
- Driver Safety – Successfully completing a course teaching defensive driver skills could save 5% or more if your company offers it.
- Save over 55 – Older drivers can possibly qualify for a small discount on rates.
- Anchorage Homeowners Discount – Owning a house in Anchorage may trigger a policy discount on insurance because of the fact that having a home is proof that your finances are in order.
- Discount for Multiple Policies – If you combine your home and auto policies and place coverage with the same company you may save as much as 10 to 15 percent.
- Good Drivers – Drivers who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
You should keep in mind that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will cut your policy premium.
The example below shows the comparison of Chevy City Express premium costs with and without some available policy discounts. The costs are based on a male driver, no claims, a clean driving record, Alaska state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, homeowner, and marriage discounts applied.
A partial list of companies that may offer these benefits are:
If you need lower rates, check with all companies you are considering how you can save money. Some discounts may not be available in your state. To find providers with significant discounts in Alaska, click this link.
Rates and detailed analysis
The data table below outlines estimates of insurance rates for Chevy City Express models. Learning how auto insurance premiums are formulated can help drivers make smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$98||$180||$286||$16||$86||$666||$56|
|City Express Cargo 1500 2WD||$98||$218||$286||$16||$86||$704||$59|
|City Express Cargo 3500 2WD||$112||$218||$286||$16||$86||$718||$60|
|City Express 2500 LT 2WD||$112||$218||$286||$16||$86||$718||$60|
|City Express 2500 2WD||$112||$218||$286||$16||$86||$718||$60|
|City Express 2500 LS 2WD||$112||$218||$286||$16||$86||$718||$60|
|City Express 3500 2WD||$112||$218||$286||$16||$86||$718||$60|
|City Express Cargo 1500 AWD||$112||$218||$286||$16||$86||$718||$60|
|City Express 1500 LS 2WD||$112||$218||$286||$16||$86||$718||$60|
|City Express 1500 LS AWD||$112||$258||$286||$16||$86||$758||$63|
|City Express 1500 AWD||$112||$258||$286||$16||$86||$758||$63|
|City Express 1500 LT 2WD||$112||$258||$286||$16||$86||$758||$63|
|City Express Cargo 1500 Turbo Diesel 2WD||$112||$258||$286||$16||$86||$758||$63|
|City Express Cargo 2500 Turbo Diesel 2WD||$126||$258||$286||$16||$86||$772||$64|
|City Express 3500 LT 2WD||$126||$258||$286||$16||$86||$772||$64|
|City Express 3500 LS 2WD||$126||$258||$286||$16||$86||$772||$64|
|City Express 3500 2WD||$126||$258||$286||$16||$86||$772||$64|
|City Express 1500 LT AWD||$126||$258||$286||$16||$86||$772||$64|
|City Express Cargo 3500 Turbo Diesel 2WD||$126||$258||$286||$16||$86||$772||$64|
|City Express Cargo 1500 Turbo Diesel AWD||$126||$258||$286||$16||$86||$772||$64|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific zip code location which can decrease or increase premium rates substantially.
Full coverage rates vs. liability-only
The information below compares Chevy City Express auto insurance costs when comparing full coverage to liability only. The costs are based on no accidents, no driving violations, $1,000 deductibles, single status, and no additional discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no exact formula to stop buying physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Chevy City Express replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If it’s costing in excess of $700 annually for full coverage, then it may be the right time to buy liability only.
There are some situations where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not remove full coverage.
How Your City Express Insurance Premiums are Determined
An important part of buying insurance is that you know the rating factors that go into determining the price you pay for car insurance. If you understand what influences your rates, this allows you to make good choices that could help you find better car insurance rates. Lots of things are part of the equation when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but some are more obscure like where you live and annual miles driven.
The list below includes most of the major factors car insurance companies consider when setting premiums.
Females tend to be lower risk – Statistics have proven that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. Males and females are responsible for accidents in similar percentages, but men tend to have higher claims. Men also statistically get higher numbers of serious violations like DUI and reckless driving.
The information below compares Chevy City Express car insurance rates for male and female drivers. The rates are based on no claims, a clean driving record, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Youthful drivers pay high prices – Teenage drivers in Alaska are proven to get distracted easily when driving with friends so they pay higher car insurance rates. Parents adding a teenage driver to your car insurance policy can be very expensive. Mature drivers are more cautious drivers, cost insurance companies less in claims, and get fewer tickets.
The next chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Pay more by driving carelessly – Getting just one speeding ticket or other violation can boost insurance rates by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Drivers who have serious violations such as DUI or reckless driving may find they need to submit a SR-22 form with their state in order to prevent their license from being revoked.
The illustration below illustrates how violations and at-fault accidents impact Chevy City Express insurance prices for different age groups. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
What are good liability insurance limits? – The liability coverage on your policy kicks in if a court rules you are at fault for an accident. Your liability coverage provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Car insurance claims cost money – Companies in Alaska give most affordable rates to people who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is meant to be used in the event of more catastrophic claims.
City traffic equals higher premiums – Living in less populated areas can be a good thing if you are looking for the lowest rates. People in densely populated areas tend to have traffic congestion and longer commute times. Less people means fewer accidents and also fewer theft and vandalism claims.
Employer reflects on rates – Did you know your occupation can influence how much you pay for car insurance? Occupational choices like real estate brokers, executives, and financial analysts usually pay higher rates than the rest of us due to stressful work requirements and lengthy work days. On the other hand, jobs such as farmers, athletes and homemakers pay lower than average rates.
Bad credit will cost you – Credit score can be a huge factor in determining what you pay for car insurance. Drivers who have excellent credit scores tend to file fewer claims than those with lower ratings. If your credit rating is low, you could be paying less to insure your Chevrolet City Express if you clean up your credit.