Cheap Insurance for a Chrysler 200 in Anchorage

We don’t have to point out that fact that car insurance companies don’t want you shop around. People who get comparison quotes at least once a year will most likely buy a different policy because of the high probability of finding a lower-priced company. Surprisingly, a recent survey revealed that consumers who routinely shopped for cheaper coverage saved as much as $850 each year compared to drivers who never shopped around for lower prices.

If finding budget-friendly rates on auto insurance in Anchorage is the reason for your visit, understanding how to quote prices and compare cheaper coverage can help you succeed in saving money.

Insurance quote for Chrysler 200 in AnchorageThe best way to get low-cost Chrysler 200 insurance in Anchorage is to compare prices regularly from providers in Alaska.

One key aspect when comparing rates is to use similar coverage information on each quote and and to get prices from as many companies as you can. This enables an accurate price comparison and plenty of rates choose from.

Most major insurance companies provide prices for coverage from their websites. Doing online price comparisons for Chrysler 200 insurance in Anchorage is very simple as you simply enter the coverages you want as detailed in the form. When complete, their system will obtain reports for credit and driving violations and provides a quote based on the data you entered. Using the web to get rates for Chrysler 200 insurance in Anchorage makes comparing rates easy, and it’s absolutely necessary to perform this step in order to find the most affordable premium.

To quickly find out if lower rates are available, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you type in the coverage information as close as possible to your current policy. This makes sure you will have an apples-to-apples comparison for similar insurance coverage.

The companies shown below are ready to provide price comparisons in Alaska. If you want to find cheap auto insurance in AK, we recommend you compare several of them in order to get a fair rate comparison.

Do you qualify for discounts on Chrysler 200 insurance in Anchorage?

Insuring your fleet can be pricey, but you might already qualify for some discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but once in a while a discount must be asked for prior to getting the savings.Cheaper auto insurance with discounts

As a sidenote, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

For a list of auto insurance companies with significant discounts in Anchorage, follow this link.

Local Anchorage insurance agencies

Some people just want to get advice from a local agent and that is a smart decision The biggest benefit of getting free rate quotes online is that you can find the best rates but still work with a licensed agent.

Insurance agents in AnchorageAfter filling out this short form, your coverage information is sent to local insurance agents who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents due to the fact that quote results will go immediately to your email address. You can most likely find cheaper rates and a licensed agent to work with. If for some reason you want to compare rates from a specific insurance company, don’t hesitate to jump over to their website and fill out their quote form.

Deciding on an insurer requires more thought than just a cheap price. The following questions are important to ask.

Two different types of auto insurance agents

When searching for a local Anchorage insurance agency, there are a couple of types of insurance agents and how they work. Car insurance agents can either be exclusive or independent (non-exclusive).

Exclusive Agencies

These type of agents can only place business with one company and examples are American Family, State Farm, and Allstate. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are trained well on their company’s products which aids in selling service over price.

Shown below is a list of exclusive insurance agencies in Anchorage who may provide you with comparison quotes.

111 W 6th AveAnchorage, AK 99501(907) 274-2060View Map

225 E Fireweed Ln #101Anchorage, AK 99503(907) 277-5548View Map

550 E Tudor Rd Ste 201Anchorage, AK 99503(907) 563-9690View Map

More insurance agents

Independent Agents

Agents that elect to be independent are not required to write business for one company so they can write business through many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage which is easy for the insured.

If you are comparing car insurance prices, we recommend you get rate quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.

The following are Anchorage independent agencies that are able to give price quotes.

7125 Old Seward Hwy #203Anchorage, AK 99518(907) 349-2229View Map

1031 W 4th Ave #400Anchorage, AK 99501(907) 276-5617View Map

Safeco Insurance
500 W 36th Ave #210Anchorage, AK 99503(907) 770-2400View Map

More insurance agents

If you feel you receive good feedback for all questions you ask and an affordable coverage quote, you’ve probably found an insurance agency that is a good match to service your policy. It’s important to know that consumers can cancel coverage whenever you choose to so don’t think that you are obligated to a specific agent for the full term.

When in doubt talk to an agent

Always keep in mind that when comparing adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.Higher deductibles save money

For instance, these questions can help discover if your situation may require specific advice.

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Chrysler 200 Insurance Rates Can Be More Affordable

Lots of things are part of the equation when pricing auto insurance. Some of the criteria are obvious like your driving record, although others are less apparent such as your marital status or your commute time.

Shown below are some of the factors used by insurance companies to determine your rate level.

Having a spouse is a good thing – Being married actually saves money when shopping for insurance. It means you’re more financially stable it has been statistically shown that married couples file fewer claims.

Too many insurance claims and you’ll pay more – If you frequently file small claims, you should expect either higher rates or even cancellation. Car insurance companies in Alaska provide better rates to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.

Never go without insurance – Driving without insurance can get your license suspended and you may have a hard time finding new coverage because you let your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance could result in a steep fine or even jail time.

Better drivers pay less – Even one chargeable violation may increase your cost by as much as twenty percent. Drivers with clean records have lower premiums than their less careful counterparts. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to prove financial responsibility with the DMV in their state in order to keep their license.

With age comes lower rates – Young drivers in Alaska tend to be less responsible when driving and because of this, their insurance rates are much higher. Parents adding a teen driver to your policy can cause a big jump in price. Older, more experienced drivers are more cautious drivers, cost insurance companies less in claims, and get fewer tickets.

Commute or pleasure use – The more miles you rack up on your Chrysler in a year the more it will cost to insure it. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars used primarily for pleasure use cost less to insure than those used for commuting. Incorrect rating for your 200 is throwing money out the window. Make sure your insurance policy properly reflects annual mileage.

Insurance loss statistics a Chrysler 200 – Car insurance companies use historical loss data to help calculate a profitable premium rate. Vehicles that the statistics show to have higher frequency or amount of claims will cost more for specific coverages.

The information below illustrates the actual insurance loss data for Chrysler 200 vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make or model, is represented as 100. Percentage values below 100 indicate better than average losses, while numbers above 100 indicate frequent claims or an increased chance of larger losses than average.

Chrysler 200 Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chrysler 200 2WD 117 113 116 174 189 152
Chrysler 200 4WD 117 112 108 127

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Auto insurance protects more than just your car

Even though it can be expensive, auto insurance is mandatory in Alaska but it also protects more than you think.

The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. Today the average American driver is overpaying over $800 each year so it’s very important to do a rate comparison at every policy renewal to save money.

How to find a good Alaska car insurance company

Selecting a high-quality insurance provider is difficult considering how many companies sell insurance in Anchorage. The company ratings shown next can help you analyze which auto insurers to look at when comparing rate quotes.

Top 10 Anchorage Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 94%
  2. AAA Insurance – 91%
  3. State Farm – 90%
  4. GEICO – 89%
  5. The Hartford – 89%
  6. The General – 88%
  7. 21st Century – 88%
  8. Allstate – 88%
  9. Liberty Mutual – 88%
  10. Esurance – 87%

Affordable insurance rates are out there

We just showed you a lot of techniques to find cheap Chrysler 200 insurance in Anchorage. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from an unexpected company.

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced liability limits or collision coverage only to regret that it was a big mistake. Your goal is to get the best coverage possible at the best price while still protecting your assets.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, policy cancellation, questionable increases in premium and even delays in responding to claim requests. Whatever your reason, choosing a new insurance company can be easier than you think.

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