New Methods for Paying Less for on Homer Alaska Car Insurance

Searching for the most affordable Homer car insurance on the web can be somewhat difficult for people who are new to buying insurance on the web. Because there are so many insurers to choose from, how can consumers even start to compare every company to locate the best price?

Locating affordable car insurance coverage in Homer can be fairly easy. If you are insured now or are just looking to switch companies, you can follow these tips to cut your premiums while maintaining coverages. Alaska consumers just need to learn the best way to shop for car insurance over the internet.

Decisions you make can impact your rates

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for car insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in lower car insurance prices.

  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages you can purchase if you aren’t careful. Coverages for roadside assistance, better glass coverage and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • What are your deductibles? – Physical damage deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply would be running into the backend of another car, damage from fire, or theft. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
  • Multiple policies with one company can save – Most companies provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you may still want to shop around to ensure the best deal.
  • Where you live is a factor – Living in less populated areas can be a good thing when buying car insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have much more traffic to deal with and much longer commute distances. Longer commute distances can result in more accidents.
  • Discounts for married couples – Having a spouse actually saves money when buying car insurance. Having a spouse translates into being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • High performance equals high price – The make and model of the vehicle you are insuring makes a substantial difference in your rates. The cheapest insurance rates tend to be for small economy passenger models, but the cost you end up paying is determined by many additional factors.
  • With age comes lower rates – Older insureds are more responsible, tend to file fewer claims and get fewer tickets. Young drivers are statistically proven to get distracted easily when behind the wheel therefore car insurance rates are much higher.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but some must be asked for before they will apply. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Club Memberships – Being a member of a civic or occupational organization could trigger savings on car insurance.
  • Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
  • Sign Online – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Accident Free – Claim-free drivers can save substantially when compared to frequent claim filers.

Drivers should understand that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.

Drivers who switch save $397 a year? Really?

Alaska drivers can’t ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings if you change to their company.

But how can every company say the same thing? It’s all in the numbers.<img class="alignright" style="padding-top:15px;" src="" alt="Alaska car insurance quote”/>

All companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and has great credit. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile must pay higher prices and this can result in the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully make the claims of big savings.

This illustrates why you absolutely need to compare many company’s rates. It’s just too difficult to predict which car insurance company will have the lowest rates.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Can I afford low physical damage deductibles?
  • Do I have coverage when making deliveries for my home business?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy only the required Alaska minimum liability coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving a rental car?
  • Is rental equipment covered for theft or damage?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Online resources for education

Additional car insurance information can be read on the Alaska Division of Insurance website. Click here for link. Alaska drivers can get help finding coverage, read consumer alerts, and find out which companies have the most complaints.

Alaska car insurance quote

In conclusion

When you buy insurance online, you should never buy poor coverage just to save money. There have been many cases where someone sacrificed physical damage coverage and learned later they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Cheap car insurance is attainable both online and also from your neighborhood Homer agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

We covered a lot of tips how to compare car insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best prices are with some of the lesser-known companies.