Find the Cheapest Haines Car Insurance

Finding lower rates for Haines car insurance is a challenge for beginners to shopping for insurance online. There are so many options that it can turn into a big hassle to compare prices in Haines.

It's important to take a look at other company's rates once or twice a year because rates are constantly changing. If you had the best deal on your last policy the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about car insurance because you're going to learn the only way to reduce your cost while increasing coverage.

Be sure to get all your discounts

Companies offering auto insurance do not advertise all their discounts in a way that's easy to find, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • New Car Discount - Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Seat Belt Usage - Buckling up and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.

It's important to note that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it's possible to get free car insurance, you're out of luck.

To see a list of companies with the best car insurance discounts in Haines, click here.

Alaska car insurance quotes

Compare the Market for Car Insurance in Haines

There are several ways you can shop for car insurance but one way is more efficient than others. You can waste a lot of time driving to agents in Haines, or you can utilize online quoting to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that allows shoppers to submit one quote, and at least one company then returns a price quote for coverage. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you can't choose which carriers you want to price. So if you want to select specific providers for rate comparison, we have assembled a list of low cost car insurance companies in Alaska. View list of Alaska insurance companies.

However you get your quotes, double check that you are using exactly the same coverages for each comparison quote. If you use different limits and deductibles on each one it will be next to impossible to determine the lowest rate in Haines. Slightly different limits may cause a big price difference. It's important to know that obtaining a wide range of quotes will improve the odds of getting lower pricing.

Haines Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with lower car insurance prices.

The list below includes some of the factors car insurance companies consider when setting rates.

  • More miles equals more premium - The more you drive every year the more you will pay for car insurance. Most insurance companies rate vehicles based on their usage. Cars left parked in the garage can get a lower rate compared to those used for work or business. Make sure your car insurance policy is rated on the correct driver usage, because it can save money.
  • An active claims history can cost you - If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Alaska generally give cheaper rates to drivers who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Don't cancel a policy without a new one in place - Driving your car without having proper coverage is illegal and car insurance companies will penalize you for letting your coverage have a gap. Not only will rates go up, getting caught without coverage will get you a license revocation or jail time.
  • How's your driving record? - Your driving citation history has a huge affect on how much you pay. Careful drivers receive lower rates than people who have multiple driving citations. Even a single speeding ticket can boost insurance rates by twenty percent. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • More than one policy can earn a discount - The majority of insurance companies will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, you may still want to compare rates to ensure the best deal. Consumers may find better rates by splitting coverages up.
  • Do you need the policy add-ons? - There are a lot of extra bells and whistles that you can buy on your policy. Insurance for vanishing deductibles, towing coverage and term life insurance are some examples. These coverages may sound good at first, but if they're wasting money eliminate the coverages to reduce your premium.
  • Credit scores impact car insurance rates - Credit rating is a large factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit rating can use some improvement, you could pay less to insure your by improving your credit score.

Is there truth in advertising?

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to have a common claim that you can save if you move to their company. How can each company make the same claim?

All companies can use profiling for the driver that is profitable for them. An example of a desirable insured could be between the ages of 30 and 50, has no tickets, and has great credit. A customer that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will have to pay higher prices and this can result in business going elsewhere. The ads state "people who switch" but not "drivers who get quotes" save that much. That's why insurance companies can advertise the savings. Because of the profiling, drivers must get as many quotes as possible. Because you never know the company that will fit your personal profile best.

Shop smart and save

When you buy insurance online, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Drivers who switch companies do it for many reasons like delays in paying claims, extreme rates for teen drivers, being labeled a high risk driver or poor customer service. Regardless of your reason, finding the right car insurance provider is actually quite simple.

We just showed you a lot of techniques to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from a company that doesn't do a lot of advertising.

compare Haines car insurance rates

Additional detailed information is available at the Alaska Division of Insurance website. Consumers can file complaints about an insurance agent or broker, download brochures, and find a variety of consumer forms.