Free Guide to Paying Less for Kodiak Car Insurance Online

I can't think of a single person who enjoys paying for car insurance, especially when they are paying too much.

Because you have many car insurance companies to choose from, it can be hard to choose the lowest price provider.

It's important to get comparison quotes periodically because rates are constantly changing. If you had the best deal a year ago there may be better deals available now. So forget anything you know (or think you know) about car insurance because you're going to learn the only way to save on car insurance.

Kodiak car insurance quote

Be sure to get all your discounts

Car insurance companies don't always advertise every available discount very well, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Military Discounts - Being deployed with a military unit can result in better rates.
  • Sign Early and Save - A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.
  • No Claims - Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren't that generous.

For a list of providers with the best car insurance discounts in Alaska, click here.

How to Get Kodiak Car Insurance Comparison Quotes

Shopping for lower car insurance rates can be exhausting if you don't know the most efficient way to do it. You can waste hours driving to local insurance agents in Kodiak, or you can utilize the internet for quick rates.

Most car insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company can give them a price for coverage. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of system is you don't know exactly the companies you want to price. So if you prefer to choose individual companies to receive pricing from, we put together a list of low cost car insurance companies in Alaska. View list of Alaska insurance companies.

However you get your quotes, be sure to compare apples-to-apples deductibles and coverage limits on every quote. If you use different values for each quote it will be next to impossible to make a fair comparison in Kodiak. Slightly different coverages could mean much higher rates. Keep in mind that having more price comparisons gives you a better chance of getting better pricing.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions may help highlight whether or not you may require specific advice.

  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I drive in a foreign country?

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Final considerations

While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. Too many times, someone dropped comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

We just showed you a lot of techniques to get a better price on car insurance. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may even find the biggest savings come from a company that doesn't do a lot of advertising. These companies may have significantly lower rates on certain market segments compared to the large companies like .