It’s safe to conclude that auto insurance companies don’t want policyholders to shop around. Consumers who shop around for cheaper rates are very likely to buy a different policy because there is a high probability of finding a more affordable policy. A study discovered that consumers who shopped around every year saved an average of $865 annually compared to those who never compared other company’s rates.
If finding the best rates on car insurance is your target objective, then having some insight into how to get rate quotes and compare auto insurance can help make the process easier.
The easiest way to get affordable auto insurance rates is to do an annual price comparison from providers in Anchorage.
Step 1: Get an understanding of what coverages are included in your policy and the things you can control to prevent high rates. Many risk factors that cause rate increases such as speeding tickets, careless driving and an imperfect credit score can be eliminated by making minor driving habit or lifestyle changes. This article gives additional ideas to find cheap rates and earn a bigger discount.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while independent agents can quote prices from many different companies.
Step 3: Compare the price quotes to your existing policy to determine if you can save on Uplander insurance. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
Step 4: Tell your current company of your decision to cancel your existing policy. Submit the completed application along with a down payment to the newly selected company. As soon as you receive it, put the certificate of insurance in your glove compartment.
An important bit of advice to remember is to use the same level of coverage on every quote and and to get rate quotes from as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and the best price selection.
Finding affordable coverage in Anchorage is actually quite simple. If you have coverage now or just want to reduce your rates, take advantage of these tips to buy cheaper auto insurance while maximizing coverage. Smart shoppers only have to learn the quickest way to quote multiple rates using one simple form.
Reducing your Chevy Uplander insurance rates is actually easier than you may think. You just have to spend a few minutes to get quotes from some recommended companies.
The auto insurance companies shown below have been selected to offer free rate quotes in Alaska. To get cheap car insurance in AK, we recommend you visit two to three different companies in order to find the most affordable rates.
Discounts mean cheaper rates for Chevy Uplander insurance in Anchorage
Some providers don’t always advertise every available discount in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden discounts that you can inquire about if you buy Anchorage car insurance online.
- Multi-line Discount – Larger companies have a discount if you purchase a life insurance policy as well.
- Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Policy Bundle Discount – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you will save up to 20% and get you affordable Chevrolet Uplander insurance rates in Anchorage.
- New Car Discount – Buying insurance coverage on a new vehicle may earn a small discount since new model year vehicles have better safety ratings.
- Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
- Homeowners Savings – Owning a house in Anchorage may earn you a small savings because maintaining a house shows financial diligence.
- No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts in comparison with insureds who have frequent claims or accidents.
- Theft Deterrent Discount – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
- Accident Forgiveness Coverage – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
A quick disclaimer, most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance policy, insurance companies wouldn’t stay in business.
Companies who may offer these discounts include:
It’s a good idea to ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not apply in every state.
Compare rate quotes but buy from a local Anchorage insurance agent
Some people would prefer to buy from a licensed agent and that is not a bad decision Professional insurance agents will help you protect your assets and give you someone to call. One of the best bonuses of getting online price quotes is the fact that drivers can get cheap auto insurance quotes but still work with a licensed agent.
Once you complete this simple form, your insurance coverage information is transmitted to local insurance agents in Anchorage who will give you quotes for your coverage. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go directly to your email. If you have a need to get a price quote from a specific insurance company, you just need to navigate to their website and fill out the quote form the provide.
Finding the right provider is decision based upon more than just a cheap price. The following questions are important to ask.
- Who are their largest clients?
- If you have an accident, will your rates go up?
- Where would glass claims be handled in Anchorage?
- Are they paid to recommend certain coverages?
- Will their companies depreciate repairs to your car based on the mileage?
Two different types of auto insurance agents
If you are wanting to find a reliable agent, you should know the different types of agents and how they differ in how they quote coverages. Auto insurance agencies can be described as either independent or exclusive depending on the company they work for. Both types can write auto insurance policies, but it’s important to know how they are different since it may influence the kind of agent you use.
Exclusive Agents
Exclusive agents can only place business with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agencies receive extensive training on what they offer and that can be a competitive advantage. Many people buy from exclusive agents partially due to loyalty to the company rather than having low rates.
The following are Anchorage exclusive agencies that are able to give comparison quotes.
- Allstate Insurance: Devery Prince Agency Team
401 E Fireweed Ln Ste 200 – Anchorage, AK 99503 – (907) 279-9000 – View Map - State Farm Insurance – Justin Goodman
4200 Old Seward Hwy – Anchorage, AK 99503 – (907) 561-7771 – View Map - Allstate Insurance: Babette Miller
3304 Spenard Rd – Anchorage, AK 99503 – (907) 561-7671 – View Map
Independent Agencies or Brokers
Agents of this type do not work for one specific company so they can insure your vehicles amongst many companies and find you the best rates. If you are not satisfied with one company, your agent can just switch to a different company and you can keep the same agent.
When comparing rates, you definitely need to get insurance quotes from at a minimum one independent agency to get the best comparison. Most also have access to smaller regional carriers that many times have cheaper rates.
The following is a short list of independent insurance agencies in Anchorage who can help you get price quotes.
- Insurance Group Of Alaska
505 W Northern Lights Blvd #216 – Anchorage, AK 99503 – (907) 276-9600 – View Map - Denali Alaskan Insurance LLC
440 E 36th Ave #300 – Anchorage, AK 99503 – (907) 257-1625 – View Map - Randall Moss Insurance
2960 C St #200 – Anchorage, AK 99503 – (907) 562-6224 – View Map
Car insurance is unique, just like you
When it comes to coverage online or from an agent for your vehicles, there is no cookie cutter policy. Each situation is unique.
For instance, these questions might point out whether you may require specific advice.
- Do I have coverage when making deliveries for my home business?
- Where can I find DUI or SR-22 insurance?
- What is the rate difference between pleasure use and commuting?
- Does my medical payments coverage pay my health insurance deductible?
- Do I get a pro-rated refund if I cancel my policy early?
- Is my camper covered by my car insurance policy?
- Am I covered if I wreck a rental car?
- What are the liability requirements in my state?
- Does my policy pay for OEM or aftermarket parts?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Chevy Uplander Insurance Premiums Can Be Cheaper
Lots of things are part of the calculation when pricing auto insurance. Some are pretty understandable such as your driving history, but some are more obscure such as whether you are married and annual miles driven.
Higher rates for tough employers – Occupational choices like military generals, executives, and emergency personnel generally have higher average rates because of intense work requirements and lengthy work days. On the flip side, professions such as farmers, engineers and retirees generally pay rates lower than average.
Stay claim-free and save money – If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Car insurance companies in Alaska provide discounts to policyholders who only file infrequent claims. Insurance coverage is intended to be relied upon for the large, substantial claims.
Where you call home can modify costs – Choosing to live in a rural area is a positive aspect when trying to find low car insurance rates. Residents of big cities tend to have more auto accidents and more time behind the wheel. Fewer drivers translates into fewer accident claims in addition to lower liability claims.
Are males or females drivers cheaper? – Statistics have proven females are less aggressive when driving. However, this does not mean women are better drivers. Males and females have fender benders in similar percentages, but the males get into accidents with more damage. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI).
Advanced alarms and GPS tracking – Choosing a vehicle with a theft deterrent system can help lower your premiums. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
Infrequent drivers can save – The more miles you rack up on your Chevy in a year the more you’ll pay to insure your vehicle. Most insurance companies calculate prices based upon how you use the vehicle. Cars that sit idle most of the time receive lower rates than those that get driven frequently. Having the wrong rating on your Uplander may be costing you higher rates. It’s a good idea to make sure your vehicle rating is rated on the correct usage, because it can save money.
Driving citations increase prices – Your driving record has a big impact on rates. Getting just one driving citation may increase your cost twenty percent or more. Drivers with clean records receive lower rates as compared to careless drivers. Drivers who get license-revoking violations like DUI, reckless driving or excessive speeding may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.
A policy lapse is a bad thing – Not maintaining insurance is against the law and you will pay a penalty because you let your insurance lapse for non-payment. In addition to paying higher rates, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Alaska motor vehicle department.
Three main reasons to buy car insurance
Despite the high cost, car insurance is required in Alaska but it also protects you in many ways.
First, just about all states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability coverage if you want to drive legally. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your vehicle, almost all lenders will force you to buy insurance to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Chevy at a significantly higher premium and force you to pay much more than you were paying before.
Third, car insurance protects both your vehicle and your personal assets. It will also cover hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you in the event you are sued. If your Chevy gets damaged, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having insurance greatly outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $869 every year so compare rate quotes once a year at a minimum to save money.
Anchorage auto insurance company ratings
Finding the top auto insurance provider can be challenging considering how many companies there are in Anchorage. The company information displayed below may help you analyze which companies you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Don’t give up on cheap rates
While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice collision coverage only to find out that it was a big error on their part. Your goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
We just showed you many ideas to compare Chevy Uplander insurance premium rates in Anchorage. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from an unexpected company.
Budget-friendly auto insurance in Anchorage is available from both online companies and with local Anchorage insurance agents, so get free Anchorage car insurance quotes from both of them to have the best rate selection. Some insurance companies do not provide online quoting and usually these regional carriers only sell coverage through independent agents.
For more information, feel free to browse the following helpful articles:
- Safe Vehicles for Teens (iihs.org)
- Who Has Affordable Anchorage Auto Insurance Rates for a Nissan Altima? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with a DUI in Anchorage? (FAQ)
- Who Has Cheap Auto Insurance for a Toyota Corolla in Anchorage? (FAQ)
- How Much are Auto Insurance Rates for Used Cars in Anchorage? (FAQ)
- Who Has Affordable Car Insurance for a Nissan Rogue in Anchorage? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)