Proven Techniques for Finding Low-Cost Seward, AK Car Insurance

Consumers who are new to the process of comparing insurance rates online will discover buying low-cost Seward car insurance is not as easy as it seems.

If you have insurance now or need new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Shopping for affordable car insurance coverage in Seward is quite easy. Alaska drivers only need an understanding of the most efficient way to shop for car insurance over the internet.

Free Quotes for Car Insurance in Seward

Most companies like Allstate and Progressive give insurance quotes online. Getting quotes is quite easy as you just type in your coverage information as requested by the quote form. After the form is submitted, the company’s rating system obtains reports for credit and driving violations and gives you a price quote.

Being able to quote online makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible in order to find a better rate.

There is a better way to compare rates

The smarter way to lower your car insurance bill utilizes a single form that analyzes rates from many companies. It saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. Immediately after you send the form, it is rated and you are able to buy any or none of the price quotes you receive.

If you find a better price you simply finish the application and purchase coverage. It can be completed in a matter of minutes and may save quite a bit of money image

In order to get comparison pricing now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you input your coverages identical to your current policy. This way, you will receive a rate comparison for exact coverage.

You have some control over your rates

Smart consumers have a good feel for the different types of things that go into determining the price you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that can help you get much lower annual insurance costs.

  • Your occupation can affect rates – Did you know your car insurance rates can be affected by your occupation? Occupations such as real estate brokers, social workers and accountants have higher rates than average in part from high stress and long work days. On the flip side, professions such as pilots, athletes and performers get better rates.
  • Performance level impacts rates – The performance of the car you are buying insurance for makes a big difference in the rate you pay. The lowest rates are for lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors.
  • You might want pay the small claims yourself – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies in Alaska generally give discounts to drivers who are claim-free. Auto insurance is intended for larger claims.
  • Multi-policy discounts can save money – Some companies give discounts to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Proper usage rating affects rates – The higher the mileage driven each year the higher your rate. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your car insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.

Discounts are great for lower rates

The price of auto insurance can be rather high, but companies offer discounts that you may not even be aware of. Certain discounts will be applied at the time of purchase, but some must be inquired about before they will apply. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in high school.
  • One Accident Forgiven – A few companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Multiple Cars – Having all your vehicles on the same car insurance policy could earn a price break for each car.
  • Homeowners Pay Less – Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Low Mileage Discounts – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.

It’s important to note that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, you’re out of luck. But all discounts will cut your premiums.

To choose insurance companies who offer car insurance discounts in Seward, click here.

A little work can save a LOT of money

Throughout this article, we presented some good ideas how to save on car insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a smaller regional carrier.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. In many cases, an insured dropped collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Auto insurance in Seward Alaska

Cheap car insurance is attainable both online and with local Seward insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

More information can be found on the Alaska Division of Insurance website through this link. Alaska drivers can read enforcement actions against agents and companies, report car insurance fraud, discover disciplinary actions, and learn about specific coverages.

Other informative sites include these car insurance answers and this page on