Auto Insurance Quotes for a Volvo V60 in Anchorage

Sadly, the vast majority of consumers kept their coverage with the same insurance company for more than four years, and almost half have never shopped around. Most drivers in Anchorage could save nearly 35% each year, but they don’t know how much savings they would realize if they switched.

Discount Volvo V60 insuranceReally, the only way to find lower priced Volvo V60 insurance is to compare prices regularly from insurance carriers in Anchorage. You can shop around by following these guidelines.

First, it will benefit you to learn about coverages and the things you can change to lower rates. Many rating criteria that result in higher rates like your driving record and poor credit history can be rectified by making minor changes to your lifestyle. Read the full article for instructions to prevent rate hikes and find missing discounts.

Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can quote prices from multiple companies. View rates

Third, compare the new quotes to your current policy and determine if there is any savings. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

One key aspect of rate comparisons is to make sure you’re comparing the same physical damage deductibles and liability limits on every price quote and and to get rates from as many different companies as possible. Doing this guarantees a fair price comparison and the best price selection.

Finding affordable insurance coverage in Anchorage seems hard but is not really that difficult. If you are already insured or are looking for a new policy, use these tips to save money and still have adequate protection. Shoppers just need to know the quickest method to find the lowest price over the internet.

What Affects Volvo V60 Insurance Prices?

Many different elements are part of the calculation when you get your auto insurance bill. Some factors are common sense such as traffic violations, but others are less obvious such as your marital status and annual miles driven. Smart consumers have a good feel for some of the factors that play a part in calculating your insurance rates. If you know what determines premiums, this helps enable you to make changes that could help you find lower rates.

Avoid unnecessary extra policy coverages – Insurance companies have many optional add-on coverages that you can buy but may not be useful. Coverages for personal injury protection, high-cost glass coverage, and additional equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but if they’re wasting money remove them from your policy.

Don’t get traffic citations – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one citation could increase your next policy renewal forty percent or more. Drivers who don’t get tickets get better prices as compared to those with violations. Drivers who have flagrant tickets like DUI or reckless driving might be required by their state to complete a SR-22 to the state department of motor vehicles in order to continue driving.

Gender as a rate factor – Statistics have proven that women are safer drivers than men. The data does not necessarily mean that men are worse drivers. Females and males are in auto accidents in similar percentages, but men get into accidents with more damage. Not only that, but men also get more serious tickets like DUI and reckless driving. Male teenagers cause the most accidents and therefore are the most expensive to insure.

Location can influence price – Residing in a small town has definite advantages if you are looking for the lowest rates. City drivers tend to have much more traffic and more severe claims. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates.

More policies can equal more savings – Most major insurance companies will award lower prices to people that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, drivers will still want to shop around to make sure you are getting the best deal.

Liability insurance claims can be big – Your policy’s liability coverage is the coverage that protects you in the event that you are found liable for an accident. It will provide for a legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.

Volvo V60 insurance claim data – Companies include the past claim trends for vehicles to help set a rate to offset losses. Models that are shown to have higher frequency or amount of claims will have higher rates for specific coverages. The data below shows the loss history for Volvo V60 vehicles.

For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is represented as 100. Values that are under 100 mean the vehicle has better than average losses, while numbers above 100 point to more frequent losses or an increased probability of a larger loss.

Insurance Loss Ratings for Volvo V60 Vehicles
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volvo V60 2WD 68 53
Volvo V60 4WD 136 75

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Buy Anchorage Volvo V60 insurance online

The providers in the list below have been selected to offer price comparisons in Anchorage, AK. If multiple companies are listed, we recommend you click on several of them to get the most competitive price.

Three main reasons to buy auto insurance

Even though it’s not necessarily cheap to insure a Volvo in Anchorage, insuring your vehicle is required by state law in Alaska and it also provides benefits you may not be aware of.

The benefits of having auto insurance definitely exceed the cost, especially if you ever need it. The average driver in America is wasting up to $830 a year so you should quote rates at every renewal to help ensure money is not being wasted.

Don’t neglect these discounts on Volvo V60 insurance in Anchorage

Companies don’t always list all possible discounts very clearly, so we break down a few of the more well known and also the lesser-known discounts that you can inquire about if you buy Anchorage auto insurance online.Discount car insurance

As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you could get a free car insurance policy, it’s just not the way it works.

To locate providers who offer car insurance discounts in Anchorage, click here.

Buying from insurance agencies

Some people just want to buy from a licensed agent and that is recommended in a lot of cases Professional agents can make sure you are properly covered and help in the event of a claim. A good thing about price shopping on the web is you may find cheap auto insurance rates and still choose a local agent.

Anchorage insurance agentsUpon completion of this form (opens in new window), the quote information is immediately sent to insurance agents in Anchorage who will give you bids for your coverage. It makes it easy because there is no need to drive around because quoted prices will be sent to you instantly. If you need to quote rates from one company in particular, don’t hesitate to go to their quote page and complete a quote there.

Finding the right insurer needs to be determined by more than just the quoted price. The following questions are important to ask.

If you would like to find a local Anchorage insurance agent, it’s helpful to know the types of agencies and how they work. Anchorage agents can be described as either exclusive agents or independent agents. Both types can insure your vehicles, but it is a good idea to know how they are different because it can factor into which type of agent you select.

Exclusive Agencies

Exclusive agencies can only write with one company like Farmers Insurance and State Farm. They generally cannot compare rates from other companies so always compare other rates. These agents are highly trained on sales techniques which helps them sell insurance even at higher premiums.

Shown below are Anchorage exclusive insurance agencies willing to provide rate quotes.

5915 Lake Otis Pkwy Suite 2Anchorage, AK 99507(907) 644-7997View Map

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

3701 E Tudor Rd Ste 105Anchorage, AK 99507(907) 562-2645View Map

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Independent Auto Insurance Agents

Agents that elect to be independent do not sell for just one brand so they can insure your vehicles through many companies and get the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage which requires no work on your part. If you need lower rates, you will definitely want to contact a couple of independent agencies to maximize your price options.

The following are independent insurance agencies in Anchorage that are able to give price quote information.

507 W Northern Lights BlvdAnchorage, AK 99503(907) 276-7667View Map

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

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

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Cheaper insurance premiums are out there

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. In too many instances, drivers have reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We just showed you a lot of techniques to lower your Volvo V60 insurance premium rates in Anchorage. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive Anchorage auto insurance quotes. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower prices than their larger competitors like Progressive or GEICO.

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