Tightwads Guide for Saving on North Pole Auto Insurance

Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as millions of other consumers. Big companies like GEICO and Progressive constantly blast consumers with TV and radio ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to get lower rates while maintaining coverages. Buying car insurance in North Pole is not that difficult. Alaska consumers only need to know the most effective way to get comparison rates over the internet.

Fast and Easy North Pole Auto Insurance Quotes

Getting better auto insurance pricing is actually quite simple. You just have to take a few minutes comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to get quotes is to use a rate comparison form click to view form in new window. This type of form keeps you from doing separate quote forms to each individual auto insurance company. Taking the time to complete one form gets rate comparisons from many national carriers.

A slightly less efficient method to get quotes online is spending the time to visit the website for every company you want to comare and complete a new quote form. For example, we'll pretend you want rates from , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker.

To view a list of companies in North Pole, click here.

However you get your quotes, double check that you are using exactly the same information on every quote. If you have higher or lower deductibles you can't possibly make a fair comparison in North Pole.

What determines how much you pay?

It's important that you understand the factors that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in big savings.

The following are some of the items companies use to determine premiums.

Safer cars are cheaper to insure - Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Car features impact rates - Driving a car with a theft deterrent system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
Please use or commuting - Driving more miles every year the more you'll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage.
Do you have a high stress job? - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as real estate brokers, social workers and dentists tend to pay the highest average rates due to high stress levels and lots of time spent at work. Other professions such as farmers, historians and performers have the lowest average rates.
Do men or women drive better? - The statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. They both tend to get into accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
Performance level impacts rates - The make and model of the vehicle you are insuring makes a huge difference in the rate you pay. Economy passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
Cautious drivers pay less - Whether or not you get tickets has a huge affect on how much you pay. Good drivers get better rates compared to drivers with tickets. Even a single moving violation can increase rates by twenty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 to the state department of motor vehicles in order to keep their license.

Save big with these discounts

Companies offering auto insurance don't necessarily list all available discounts in a way that's easy to find, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you aren't receiving every discount available, you're just leaving money on the table.

Fewer Miles Equal More Savings - Fewer annual miles could qualify for a substantially lower rate.
Payment Method - By paying your policy upfront rather than paying monthly you can actually save on your bill.
Save with a New Car - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
Accident Free - Claim-free drivers pay less when compared with frequent claim filers.
One Accident Forgiven - A handful of insurance companies allow you one accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.
Early Switch Discount - Some companies give discounts for buying a policy before your current policy expires. It's a savings of about 10%.
Passive Restraints - Vehicles equipped with air bags can qualify for discounts of 20% or more.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

For a list of insurers who offer auto insurance discounts in North Pole, click here.

Even more information can be read at the Alaska Division of Insurance website. Visitors are able to find disaster information, view a list of available companies, file complaints about an insurance agent or broker, and read industry bulletins.

In the end, you save

The cheapest auto insurance can be purchased both online and with local North Pole insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.