Best Insurance for a Dodge Stratus in Anchorage

Discount Dodge Stratus insuranceI really doubt anyone is fond of buying auto insurance, in particular when they could get a better deal.

It’s a fact that insurance companies want to keep you from comparing prices. Consumers who compare rates once a year are very likely to switch companies because there is a good probability of finding coverage at a more affordable price. A recent survey found that people who compared rates once a year saved on average $3,400 over four years compared to people who never shopped around for better prices.

If finding the lowest price on Dodge Stratus insurance in Anchorage is the reason you’re reading this, then learning a little about how to shop and compare auto insurance can help simplify the process. With so many options when it comes to auto insurance, it’s difficult to choose the cheapest auto insurance provider.

Get cheaper Dodge Stratus insurance in Anchorage with discounts

Some insurance providers don’t always publicize all discounts very well, so the list below details a few of the more common and the harder-to-find discounts that you may qualify for.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A list of companies and some of their more popular discounts can be read below.

Before you buy a policy, ask all the companies what discounts are available to you. Some credits may not be available in your state. To see insurance companies with significant discounts in Anchorage, click here.

The method we recommend to compare rate quotes for Dodge Stratus insurance in Anchorage is to know the fact auto insurance companies actually pay money for the chance to give rate comparisons. To start a quote, the only thing you need to do is provide details like if you have a valid license, level of coverage desired, if you went to college, and if you’re married. Those rating factors is sent automatically to multiple different insurance companies and you receive quotes with very little delay.

To compare affordable Dodge Stratus insurance rates now, click here and complete the quick form.

The following companies provide price comparisons in Anchorage, AK. If you want to find cheap auto insurance in Alaska, we recommend you visit two to three different companies to get the lowest price.

Why Your Insurance Rates might be higher

Lots of factors are considered when you get your auto insurance bill. Some are pretty understandable like your driving record, but others are more transparent like where you live or your financial responsibility.

The itemized list below are some of the factors used by companies to determine premiums.

Add-on coverages are wasting money – There are many additional extra coverages that you can get tricked into buying on your Stratus policy. Things like personal injury protection, towing coverage, and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so consider taking them off your policy.

Deter car thieves – Choosing a vehicle that has an advanced theft prevention system can save you some money. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.

Use one insurance company and save – Most major insurance companies afford lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to compare other Anchorage Stratus insurance rates to make sure you are getting the best deal.

Credit score impacts premium prices – Credit score factor in your rate calculation. Drivers who have very high credit ratings tend to be better risks to insure than those with poor credit. So if your credit score can use some improvement, you may save money insuring your Dodge Stratus by improving your rating.

Drive a fast car, truck or SUV and pay more – The performance of the vehicle you need to insure makes a big difference in determining your rates. The most favorable rates are usually found on lower performance four cylinder passenger vehicles, but your final cost has many other factors.

Your occupation is a factor – Did you know your career choice can influence rates? Jobs like real estate brokers, social workers, and dentists generally have the highest rates due to intense work-related stress and incredibly demanding work hours. Conversely, professions such as scientists, engineers and performers get better rates.

How much auto insurance do I need?

Always keep in mind that when comparing proper insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight if your insurance needs might need professional guidance.

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

When do I need to talk to an insurance agency?

Many people just prefer to buy from a local agent and doing so can bring peace of mind Experienced insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of getting free rate quotes online is that you can obtain cheaper car insurance rates but still work with a licensed agent. Buying from neighborhood agents is important especially in Anchorage.

Anchorage insurance agentsOnce you complete this short form, the coverage information gets sent to agents in your area who will give you bids for your business. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go to the email address you provide. If for some reason you want to compare rates from one company in particular, feel free to search and find their rate quote page and submit a quote form there.

Is an exclusive or independent car insurance agent right for you?

If you want a reliable insurance agent, it helps to know the two different types of agencies and how they can service your needs differently. Insurance agents in Anchorage are classified as either exclusive or independent. Both handle insurance, but it’s worth learning the difference in the companies they write for because it can impact the selection process.

Independent Insurance Agents

Independent agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies and find you the best rates. If they quote lower rates, they can switch companies in-house and you can keep the same agent.

When comparison shopping, we highly recommend that you get several quotes from at a minimum one independent agency to ensure the widest selection of prices.

Shown below is a list of independent agents in Anchorage that can possibly get you price quotes.

3301 C St #300Anchorage, AK 99503(907) 338-5445View Map

205 E Benson BlvdAnchorage, AK 99503(907) 258-8888View Map

1505 W 34th AveAnchorage, AK 99503(844) 878-0258View Map

More Anchorage agents

Exclusive Agencies

Agents of this type can only write with one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot give you multiple price quotes so always compare other rates. Exclusive insurance agents are highly trained on their company’s products which helps them compete with independent agents.

Listed below are exclusive agents in Anchorage that are able to give rate quotes.

1731 Bragaw StAnchorage, AK 99508(907) 333-4566View Map

3900 Arctic Blvd #102Anchorage, AK 99503(907) 563-3188View Map

510 W Tudor Rd Ste 1Anchorage, AK 99503(907) 561-0000View Map

More Anchorage agents

Choosing an insurance agency needs to be determined by more than just the price. Any agent in Anchorage should have no problem answering these questions:

Why you need car insurance

Even though it’s not necessarily cheap to insure a Dodge in Anchorage, buying car insurance is most likely required but also gives you several important benefits.

The benefits of buying enough insurance more than offset the price you pay, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays as much as $825 a year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.

In conclusion

In this article, we presented a lot of techniques to shop for Dodge Stratus insurance online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

When shopping online for insurance, make sure you don’t reduce needed coverages to save money. There have been many cases where someone dropped physical damage coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

How to save on Dodge Stratus insurance in Anchorage

The preferred way to find cheaper Dodge Stratus insurance in Anchorage is to annually compare prices from insurance carriers who can sell car insurance in Alaska. You can compare rates by following these guidelines.

First, spend a few minutes and learn about what coverages are included in your policy and the measures you can control to prevent expensive coverage. Many risk factors that increase rates like high-risk driving behaviors and a less-than-favorable credit score can be rectified by making lifestyle changes or driving safer.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can quote rates for many different companies. Compare rates now

Third, compare the new rate quotes to your existing coverage to determine if you can save on Stratus insurance. If you find better rates and change companies, make sure coverage is continuous and does not lapse.

Fourth, provide proper notification to your current company to cancel your current car insurance policy and submit the application along with any required down payment to your new insurance company. Be sure to store the proof of insurance paperwork in your vehicle’s glove compartment or console.

A good tip to remember is that you’ll want to compare the same coverage limits and deductibles on each price quote and and to get prices from every company you can. Doing this provides a fair rate comparison and a complete rate analysis.

Much more information about insurance in Alaska is located below: