Finding better insurance prices for a Saturn Astra in Alaska can normally be difficult, but you can use the following methods to make it easier. There is a better way to shop for auto insurance and we’ll show you the quickest way to get price quotes on a Saturn and obtain the lowest possible price from Anchorage insurance agents and online providers.
It’s well known that insurance companies don’t want you quoting rates from other companies. Insureds who shop around annually will most likely buy a different policy because they have a good chance of finding coverage at a more affordable price. A study showed that drivers who compared rates once a year saved $3,400 over four years compared to those who never compared prices.
If saving money on auto insurance in Anchorage is your objective, then having a good understanding how to compare coverage rates can save time and make the process easier.
If you have coverage now or just want a better rate, you can use these techniques to cut your premiums without reducing coverage. Locating the cheapest insurance in Anchorage can be fairly easy. Drivers just have to know the most effective way to compare rate quotes from multiple carriers.
How to compare Saturn Astra insurance price quotes in Anchorage
Many insurance companies give price estimates direct online. Doing online quotes for Saturn Astra insurance in Anchorage is pretty easy as you simply enter the amount of coverage you want into a form. Behind the scenes, the system pulls credit information and your driving record and generates pricing information.
This makes it a lot easier to compare rates and it is important to do this in order to find a better rate.
To get comparison pricing now, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended that you enter deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will receive a rate comparison for similar insurance coverage.
The providers in the list below provide quotes in Anchorage, AK. If multiple companies are listed, we recommend you click on several of them in order to find the lowest rates.
Earn discounts to get lower-cost Anchorage auto insurance rates
Companies that sell car insurance don’t always advertise every possible discount in an easy-to-find place, so the list below contains both well-publicized in addition to some of the lesser obvious auto insurance savings.
- Save over 55 – Seniors may receive a slight reduction on a Anchorage car insurance quote.
- Claim Free – Claim-free drivers get the best auto insurance rates in comparison to frequent claim filers.
- Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Anti-lock Brake Discount – Vehicles with ABS and/or traction control have fewer accidents and the ABS can save up to 10%.
- Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
- Discounts for Government Workers – Active or former government employment may reduce rates when you quote Anchorage car insurance depending on your auto insurance provider.
- Discount for Multiple Policies – When you have multiple policies with one company you may save over 10 percent off each policy depending on the company.
- Organization Discounts – Affiliation with certain professional organizations could trigger savings on your bill.
- Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn slightly better premium rates than normal.
- Full Payment Discount – If you pay your bill all at once rather than paying monthly you could save up to 5%.
One last thing about discounts, some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, it just doesn’t work that way. But any discount will positively reduce the cost of your policy.
To see insurance companies that offer multiple discounts in Alaska, click this link.
Why insurance is not optional
Even though Anchorage Astra insurance rates can get expensive, insurance is a good idea for several reasons.
First, the majority of states have mandatory insurance requirements which means you are required to carry a minimum amount of liability coverage in order to be legal. 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 lien on your Saturn Astra, it’s most likely the lender will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your Saturn for a much higher rate and force you to pay the higher price.
Third, insurance safeguards both your Saturn Astra and your assets. It will also reimburse you for hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying insurance more than cancel out the cost, particularly for liability claims. According to a 2015 survey, the average American driver is overpaying over $865 each year so it’s very important to do a rate comparison every year to ensure rates are competitive.
Insurance agent or online?
A small number of people would prefer to talk to a local agent and that is OK! Licensed agents can point out coverage gaps and will help you if you have claims. An additional benefit of comparing rates online is that drivers can save money and get the lowest rates and also buy local.
For easy comparison, once you complete this short form, your insurance coverage information is instantly submitted to local insurance agents in Anchorage that give free quotes to get your business. There is no need to search for any insurance agencies because quoted prices will be sent immediately to your email address. If you want to compare rates for a specific company, don’t hesitate to jump over to their website and complete a quote there.
Finding a good provider needs to be determined by more than just a cheap price quote. These questions are important to ask:
- Can you get a list of referrals?
- Do they regularly work with personal auto policies in Anchorage?
- Are all drivers listed on the coverage quote?
- Does the agency have a current Errors and Omissions policy?
- How much experience to they have in personal lines coverages?
- Does the company use OEM repair parts?
Pick the best auto insurance agent in Anchorage for you
If you prefer to buy insurance from a local Anchorage insurance agent, you must know there are a couple different types of agents and how they differ in how they quote coverages. Agents in Anchorage may be either independent (non-exclusive) or exclusive. Either can properly insure your vehicles, but it’s important to point out the difference in how they write coverage since it could factor into the type of agent you choose.
Exclusive Insurance Agencies
These type of agents can only quote rates from one company like Farmers Insurance or State Farm. They usually cannot place coverage with different providers so always compare other rates. These agents are usually well trained on their products and sales techniques which aids in selling service over price. Consumers sometimes buy from exclusive agents primarily because of the prominence of the brand rather than having low rates.
Listed below is a short list of exclusive agencies in Anchorage who may provide you with price quotes.
- Allstate Insurance: Stanley Tebow
8201 Old Seward Hwy a – Anchorage, AK 99518 – (907) 344-3301 – View Map
- State Farm: Todd Jackson
1330 Huffman Rd Suite E – Anchorage, AK 99515 – (907) 345-0214 – View Map
- Stacey Roy – State Farm Insurance Agent
9220 Lake Otis Pkwy Ste A6 – Anchorage, AK 99507 – (907) 345-0505 – View Map
Independent Insurance Agencies
Agents that elect to be independent can quote rates with many companies so as a result can place your coverage with any number of different companies and find the cheapest insurance rates. If they find a cheaper price, they can switch companies in-house and you stay with the same agent. When comparing insurance rates, you will want to get quotes from several independent agencies to get the best comparison. They also have the ability to place coverage with small mutual carriers which can be an advantage.
Below are independent agencies in Anchorage willing to provide price quotes.
- Kevin Dykman Agency
4450 Cordova St #120 – Anchorage, AK 99503 – (907) 563-5300 – View Map
- Aurora Insurance Services – A Horace Mann Company
4450 Cordova St #120 – Anchorage, AK 99503 – (907) 563-5300 – View Map
- Conrad-Houston Insurance
507 W Northern Lights Blvd – Anchorage, AK 99503 – (907) 276-7667 – View Map
Once you have acceptable answers to these questions and affordable Saturn Astra insurance rates in Anchorage quotes, most likely you have located an auto insurance agent that is reputable and can service your policy. But keep in mind it’s your coverage and you can cancel coverage any time you want so don’t think that you’re stuck with a policy with no way out.