Suzuki Equator Insurance Rate Quotes in Anchorage

How many times have you said it’s time to compare cheaper insurance rates in Anchorage, AK? Anchorage buyers have options when searching for the lowest priced Suzuki Equator insurance. You can either waste hours struggling with agents to compare prices or leverage the internet to make rate comparisons. There are more efficient ways to shop for insurance so we’re going to tell you the best way to get price quotes for a new or used Suzuki and get the cheapest rates from both online companies and Anchorage agents.

You should make it a habit to compare premium rates yearly because prices tend to go up over time. If you had the best rates on Suzuki Equator insurance in Anchorage a couple years back you can probably find a better premium rate now. Ignore everything you know about insurance because we’re going to demonstrate the quickest way to properly buy coverages while reducing your premium.

If you are already insured or are looking for a new policy, you can follow these tips to cut your premiums while maintaining coverages. This article’s intent is to help educate you on how auto insurance companies operate and some tips to save money. Drivers only need to know the fastest way to shop for auto insurance online from multiple companies.

Insurance discounts help lower rates for Suzuki Equator insurance in Anchorage

Companies that sell car insurance do not advertise all their discounts very well, so we took the time to find a few of the more well known and the more hidden credits available to lower your premiums when you buy Anchorage car insurance online.

• Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates than less cautious drivers.
• Driving Data Discount – Drivers who elect to allow data collection to spy on driving manner by using a telematics device in their vehicle such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.
• Early Renewal Discounts – Some larger companies give discounts for buying a policy prior to the expiration date on your current Equator insurance policy. It’s a savings of about 10%.
• Club Memberships – Being in a qualifying organization could qualify you for a break on your bill.
• Buy New and Save – Buying a new car instead of a used Equator can save up to 30% since new vehicles are generally safer.
• Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
• Theft Deterrent System – Cars equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.
• Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts of 20% or more.
• Claim-Free Discount – Drivers who don’t have accidents have much lower rates as compared to policyholders that have many claims.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, insurance companies aren’t that generous. Any qualifying discounts will definitely reduce your overall premium however.

The information below illustrates the comparison of Suzuki Equator auto insurance rates with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Alaska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, safe-driver, and homeowner discounts applied.

Larger insurance companies and the discounts they provide are included below.

• State Farm includes discounts for accident-free, good driver, student away at school, passive restraint, and Drive Safe & Save.
• Progressive may include discounts for online quote discount, multi-policy, multi-vehicle, good student, homeowner, online signing, and continuous coverage.
• Progressive offers discounts including multi-vehicle, good student, online signing, homeowner, continuous coverage, and online quote discount.
• MetLife has savings for multi-policy, accident-free, good driver, claim-free, good student, defensive driver
• Farm Bureau has discounts for youthful driver, 55 and retired, multi-vehicle, driver training, and multi-policy.
• GEICO policyholders can earn discounts including membership and employees, multi-vehicle, defensive driver, daytime running lights, five-year accident-free, multi-policy, and military active duty.
• SAFECO offers premium reductions for homeowner, accident prevention training, teen safe driver, safe driver, anti-lock brakes, bundle discounts, and teen safety rewards.

If you are trying to find the cheapest Suzuki Equator rate quotes, ask all the companies how you can save money. Discounts may not apply in your state.

The companies shown below are our best choices to provide quotes in Anchorage, AK. If you want the best cheap auto insurance in Alaska, we suggest you visit several of them to get the best price comparison.

Insurance coverage details

The coverage table displayed next showcases a range of policy rates for Suzuki Equator models. Having a better idea how insurance policy rates are determined is important for making decisions on the best policy coverages.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate quotes do not factor in specific location which can revise price quotes substantially.

Policy deductibles

When buying insurance, a common question is how high should your deductibles be. The rates shown below summarize the cost difference between high and low deductibles. The first table uses a $250 deductible and the second rate table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in garaging location in Anchorage which can decrease or increase price quotes greatly.

Based on this data, using a $250 deductible will cost in the ballpark of $20 more each month or $240 annually across all Suzuki Equator models than buying the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 38 months between claims, you would probably come out ahead if you opt for a higher deductible.

The information below illustrates how your choice of deductibles and can change Suzuki Equator insurance costs for each age group. The rate quotes are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

Does it make sense to buy full coverage?

The illustration below illustrates the comparison of Suzuki Equator yearly insurance costs with full coverage and liability only. Data assumes no tickets, no at-fault accidents, $250 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no clear-cut formula for dropping physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s assume your Suzuki Equator book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after paying your policy deductible. If you are paying more than $700 a year for full coverage, then you might want to consider buying only liability coverage.

There are some situations where only buying liability is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

It’s not one size fits all

When selecting a policy for your personal vehicles, there really is no perfect coverage plan. Each situation is unique and your car insurance should unique, too.
For example, these questions might help in determining whether your personal situation may require specific advice.

• What does medical payments coverage do?
• If my pet gets injured in an accident are they covered?
• Do I need higher collision deductibles?
• What can I do if my company denied a claim?
• Am I insured when driving a different vehicle?
• How do I file an SR-22 for a DUI in Alaska?
• When do I need to add a new car to my policy?
• Can my babysitter drive my car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Comparing prices from local Anchorage auto insurance agents

A lot of people prefer to buy from a local agent and doing that can be a smart decision Professional insurance agents are very good at helping people manage risk and help file insurance claims. One of the benefits of comparing rate quotes online is you may find better rates and still have a local agent.

Upon completion of this form (opens in new window), the quote information is transmitted to local insurance agents in Anchorage who will return price quotes for your auto insurance coverage. It makes it easy because there is no need to contact any agents because quoted prices will be sent to the email address you provide. If you have a need to get a rate quote from one company in particular, you would need to navigate to their website and give them your coverage information.

Finding the right insurance company requires more thought than just the bottom line cost. Here are some questions you might want to ask.

• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do they carry Errors and Omissions coverage?
• Is the agency involved in supporting local community causes?
• Do they feel the quoted coverages are adequate?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

The following is a short list of auto insurance companies in Anchorage that can give you comparison quotes for Suzuki Equator insurance in Anchorage.

• Umialik Insurance Company
  3301 C St #300 – Anchorage, AK 99503 – (907) 338-5445 – View Map
• GEICO Insurance Agent
  1830 E Parks Hwy a116 – Wasilla, AK 99654 – (907) 631-6001 – View Map
• State Farm: Charity Carmody
  405 W Benson Blvd – Anchorage, AK 99503 – (907) 336-8800 – View Map
• State Farm Insurance – Justin Goodman
  4200 Old Seward Hwy – Anchorage, AK 99503 – (907) 561-7771 – View Map

More insurance agents

Best auto insurance in Anchorage

Choosing a high-quality insurance provider can be rather challenging considering how many companies provide coverage in Alaska. The company rank data shown next may help you decide which car insurance companies to look at buying from.

Top 10 Anchorage Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. The General
5. State Farm
6. AAA Insurance
7. Allstate
8. Esurance
9. Safeco
10. 21st Century

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%

More comparisons equals affordable rates

As you restructure your insurance plan, do not buy less coverage just to save a little money. Too many times, someone dropped full coverage to discover at claim time that it was a big mistake. Your objective should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

Throughout this article, we presented many ways to get a better price on Suzuki Equator insurance in Anchorage. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost Anchorage car insurance quotes. You may even find the lowest priced auto insurance comes from an unexpected company. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

There are still a few companies who don’t offer internet price quotes and many times these regional carriers provide coverage only through independent insurance agencies. Budget-conscious Suzuki Equator insurance is available both online and from local insurance agents, and you need to price shop both to have the best rate selection.

Steps to saving money on Suzuki Equator insurance in Anchorage

If you want to save money, the best way to get affordable car insurance rates is to compare prices annually from different companies that insure vehicles in Anchorage.

• Step 1: Spend some time learning about how car insurance works and the things you can change to prevent rate increases. Many policy risk factors that cause rate increases such as traffic citations and a bad credit score can be eliminated by improving your driving habits or financial responsibility.
• Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.
• Step 3: Compare the new quotes to your existing coverage to see if cheaper Equator coverage is available. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
• Step 4: Provide proper notification to your current company of your decision to cancel your current auto insurance policy and submit the completed application along with a down payment for the new coverage. Make sure you place the new certificate verifying proof of insurance along with your vehicle registration.

The most important part of shopping around is to compare similar deductibles and liability limits on every price quote and and to analyze as many carriers as you can. Doing this helps ensure a level playing field and maximum price selection.

Additional auto insurance information can be read below:

• Teen Driving Statistics (GEICO)
• Who Has the Cheapest Car Insurance Rates for Drivers Under 21 in Anchorage? (FAQ)
• Who Has the Cheapest Auto Insurance for Homeowners in Anchorage? (FAQ)
• What Car Insurance is Cheapest for Unemployed Drivers in Anchorage? (FAQ)
• Who Has Cheap Anchorage Car Insurance Quotes for High Risk Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance for Teenagers in Anchorage? (FAQ)
• What Car Insurance is Cheapest for Felons in Anchorage? (FAQ)
• Safe Vehicles for Teens (iihs.org)
• Tools for Teen Driving Safety (State Farm)