Wasilla Alaska Auto Insurance Savings the Big Companies Don’t Want You to Know About

If shopping for auto insurance online is new to you, you may be overwhelmed because of the huge number of companies offering insurance in Wasilla.

You should make it a habit to compare prices every six months since rates are adjusted regularly by insurance companies. Even if you think you had the best price a year ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance online but with this article, you’re going to get some great ways to save money.

If you are insured now or are looking for a new policy, you can use these tips to get lower rates and still get good coverage. The purpose of this post is to introduce you to how to effectively get price quotes. Alaska consumers just need to understand how to buy auto insurance over the internet.

Do you qualify for a discount?

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Certain discounts will be applied when you complete an application, but some must be requested specifically before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

  • Low Mileage – Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less than drivers with accidents.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • Own a Home – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
  • Save over 55 – Mature drivers may be able to get a discount up to 10%.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.

Consumers should know that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.

For a list of companies offering auto insurance discounts in Wasilla, click here.

Make smart decisions and save

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The following are some of the items used by your company to calculate your rates.

  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Liability insurance protects assets – Liability insurance is the protection when a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • What are your deductibles? – The deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, damage from fire, and burglary. The more the insured has to pay upfront, the bigger discount you will receive.
  • Performance makes a difference – The performance of the vehicle you drive makes a substantial difference in how high your rates are. The lowest base rates are generally reserved for lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors.

How to know if you need help

When choosing the right insurance coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions may help you determine if you will benefit from professional help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my insurance cover my expensive audio equipment?
  • At what point should I drop full coverage?
  • How do I file an SR-22 for a DUI in Alaska?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I have combined single limit or split liability limits?
  • Am I getting all the discounts available?
  • Does my vehicle qualify for pleasure use?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Do I need a local agent?

Some people would rather buy from a licensed agent and there is nothing wrong with that. Agents can answer important questions and help submit paperwork. One of the great benefits of price shopping on the web is you can get lower rates but also keep your business local. And providing support for local insurance agencies is definitely important in Wasilla.

To help locate an agent, after submitting this short form, your insurance data is sent to participating agents in Wasilla who will return price quotes for your insurance coverage. You never need to visit any agencies since price quotes are sent to the email address you provide. It doesn’t get any easier!

The following are Wasilla insurance companies that can give you price quote information.

  • Ellen Hermann Insurance Co – 1051 Bogard Rd # 11, Wasilla, AK 99654 – (907) 376-3766
  • State Farm Insurance – 436 N Main St, Wasilla, AK 99654 – (907) 376-2478
  • Insurance Mart – 1740 E Parks Hwy, Wasilla, AK 99654 – (907) 373-6277
  • Will Fernandez Agency – 165 E Parks Hwy # 105, Wasilla, AK 99654 – (907) 376-7638

For a complete listing of licensed insurance agents in Wasilla, click here to link.

Selecting an insurance company requires more thought than just the premium amount. Agents should be asked these questions:

  • Do they carry Errors and Omissions coverage?
  • Does the company allow you to choose your own collision repair facility?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do the companies they represent have a solid financial rating?
  • What is the agency’s Better Business Bureau rating?
  • Did they already check your driving record and credit reports?
  • Are there any discounts that you might be missing?
  • Will their companies depreciate repairs to your car based on the mileage?

Upon receiving acceptable answers to all your questions and an acceptable price quote, most likely you have located a company that will properly insure your vehicles.

More information can be found on the Alaska Division of Insurance website located here. Alaska drivers can find out which companies have the most complaints, find out industry alerts, and view agent and company licensing information.

free Wasilla insurance quote

Additional helpful sites include Wikipedia and this list of agents in Wasilla, AK.

And the best car insurance company is…

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped liability limits or collision coverage only to regret they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

In this article, we presented a lot of ways to get a better price on auto insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the biggest savings come from an unexpected company.

Lower-priced auto insurance can be found online and also from your neighborhood Wasilla agents, so you should compare both to have the best selection. Some insurance companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.