Proven Ways to Save on Juneau Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to lower your monthly bill.

Multiple compete for your insurance dollar, and because of this it can be hard to compare to discover the definitive lowest price

It's important to compare rates on a regular basis due to the fact that insurance rates are constantly changing. Just because you found the best price a year ago you can probably find a better price now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to use online quotes to eliminate unnecessary coverages and save money.

If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Juneau is quite easy. Nevertheless, Alaska consumers do need to know how insurance companies sell online and apply this information to your search.

You have some control over your rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Understanding what determines base rates enables informed choices that can help you get lower car insurance prices.

How many coverages with the same company - Many car insurance companies give discounts to insureds who buy several policies from them. It's known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it's still a good idea to comparison shop to ensure the best deal.
Being married can save on car insurance - Having a spouse can get you a discount on your car insurance policy. Marriage means you're more mature and responsible and statistics show married drivers get in fewer accidents.
High deductibles save money - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply would be collision with another vehicle, damage caused by hail, and burglary. Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
Where do you drive? - Driving more miles in a year's time the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage is showing the proper vehicle usage.
Car features impact rates - Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
Add-on coverages can add up - There are a ton of add-on coverages you can purchase when buying car insurance. Coverages like personal injury protection, better glass coverage and term life insurance may be wasting your money. They may seem good initially, but if they're wasting money get rid of them and save.

Don't pay full price with these discounts

Car insurance is not cheap, but there could be available discounts that you may not know about. Some discounts apply automatically when you complete an application, but a few need to be specifically requested before they will apply.

Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
E-sign - Certain companies may give you up to $50 simply for signing on their website.
Multiple Vehicles - Having multiple vehicles with the same company can get a discount on all vehicles.
Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
Payment Method - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Driver Safety - Completing a defensive driving course could cut 5% off your bill if your company offers it.
Organization Discounts - Being a member of certain professional organizations could trigger savings on your policy.

It's important to understand that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will cut your premiums.

To choose providers who offer car insurance discounts in Juneau, click this link.

The car insurance bait and switch

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads make the same claim of big savings after switching to their company. How do they all claim to save you money? It's all in the numbers.

All companies have a preferred profile for the driver that makes them money. For example, a preferred risk might be over the age of 50, insures multiple vehicles, and has excellent credit. Any driver who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be charged higher rates which leads to the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much. This is how insurance companies can confidently make those claims.

That is why you should get quotes from several different companies. You cannot predict which insurance companies will have the lowest rates.

Additional car insurance information can be found on the website for the Alaska Division of Insurance found here. Visitors are able to read consumer alerts, get help finding coverage, report car insurance fraud, and file complaints about an insurance agent or broker.

Affordable insurance is out there

While you're price shopping online, never buy poor coverage just to save money. Too many times, drivers have reduced physical damage coverage only to regret at claim time they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Low-cost car insurance can be sourced both online and also from your neighborhood Juneau agents, and you should be comparing both to get a complete price analysis. Some companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.