Things You Must Know Before Buying Craig Car Insurance Online

Using the web to shop for Craig car insurance can be complicated if you’re new to online rate quotes. But don’t be discouraged because online price shopping is actually quite simple.

You should take the time to shop coverage around before your policy renews because rates change frequently. Despite the fact that you may have had the lowest rates on your last policy you may be paying too much now. Starting right now, forget all the misinformation about car insurance because we’re going to show you the quickest way to reduce your cost while increasing coverage.

The purpose of this post is to instruct you on how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you will be able to save some money using this strategy. Although Alaska vehicle owners need to learn the way companies price online insurance and take advantage of how the system works.

Finding Car Insurance in Craig

There are multiple methods you can shop for car insurance but one way is less labor-intensive and much quicker. You can spend your afternoon driving to insurance companies in Craig, or you can stay home and use online quoting to maximize your effort.

Most major companies participate in a marketplace that enables customers to submit their information once, and at least one company provides a quote determined by their information. This system prevents you from having to do quote forms to each company.

To get comparison pricing now click here to open in new window.

The only downside to using this type of form is you are unable to specify the companies you want pricing from. If you would rather choose specific providers to receive pricing from, we have a page of car insurance companies in Alaska. Click to view list.

Which method you use is up to you, but ensure you’re using the exact same coverage information on every quote. If you have different values for each quote it’s impossible to make an equal comparison in Craig. Having just a slight variation in limits may cause a big price difference. And when quoting car insurance, remember that getting more free quotes helps you find lower pricing.

Are car insurance companies telling the truth?

Allstate and Progressive constantly bombard you with television and radio advertisements. All the companies make an identical promise that you’ll save big if you switch your policy. How can each company claim to save you money? This is how they do money image

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a profitable customer could be over the age of 40, has no tickets, and has a short commute. A customer getting a price quote who matches those parameters receives the best rates and most likely will save when switching.

Potential customers who do not match these standards will be charged higher prices which leads to the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully claim big savings.

That is why you should get quotes from several different companies. It is impossible to predict which car insurance company will have the lowest rates.

Why some people pay less for insurance in Craig

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The list below includes some of the items used by your company to calculate your rates.

  • Teen drivers pay high rates – Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Young drivers have a tendency to get distracted easily in a vehicle therefore car insurance rates are much higher.
  • Males pay more for insurance – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Men and women are in accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.
  • Tickets mean higher rates – Just one citation can boost insurance rates forty percent or more. Careful drivers get better rates than people who have multiple driving citations. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Never allow your policy to lapse – Driving with no insurance is illegal and your next policy will cost more because you let your insurance expire. Not only will you pay more, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies in Alaska award cheaper rates to policyholders who are claim-free. Auto insurance is meant to be used in the event of the large, substantial claims.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for car insurance? Occupations such as lawyers, social workers and stock brokers are shown to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, occupations such as actors, students and performers pay the least.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically at quote time, but some must be asked for prior to getting the savings.

  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • Low Mileage Discounts – Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% with select insurance companies.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying your policy online.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than less cautious drivers.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.

It’s important to understand that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

To choose insurers with discount car insurance rates in Alaska, click here.

Summing up your car insurance search

Cost effective car insurance is definitely available on the web and also from your neighborhood Craig agents, so you should compare both to have the best rate selection. Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

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Drivers who switch companies do it for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, policy cancellation and poor customer service. No matter why you want to switch, choosing a new company can be pretty painless.

When shopping online for car insurance, never skimp on coverage in order to save money. Too many times, an insured dropped uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The proper strategy is to buy enough coverage at a price you can afford, not the least amount of coverage.

Learn more about Alaska car insurance

Much more information about car insurance in Alaska is available on the Alaska Division of Insurance website. Click here for link. Alaska consumers can discover disciplinary actions, learn about specific coverages, read state legal mandates and laws, and report car insurance fraud.

Other useful links include and this page on