Best Way to Find Cheaper Valdez Auto Insurance

Are you intimidated by the wide range of auto insurance company choices in Valdez? Lot's of other consumers are too. Drivers have so many choices that it can turn into a ton of work to locate the lowest price.

It's important to compare prices every six months because insurance rates are constantly changing. Even if you got the best rates last year the chances are good that you can find a lower rate today. You can find a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to save money.

Are you getting all your discounts?

Companies offering auto insurance don't always publicize all their discounts in an easy-to-find place, so the following is a list of both well-publicized as well as the least known savings tricks you should be using. If they aren't giving you every credit possible, you're paying more than you need to.

Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
Multiple Vehicles - Buying coverage for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
Drive Less and Save - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
Save over 55 - Mature drivers may be able to get a small decrease in premiums.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in Valdez, click here to view.

How to Compare Auto Insurance in Valdez, Alaska

Most companies such as State Farm, GEICO and Progressive provide price estimates on the web. Getting online rates is quite simple as you just type in the coverages you want as detailed in the form. Once you submit the form, the company's rating system will obtain your driving record and credit report and generates a price.

Online price quotes streamlines rate comparisons, but the time required to go to many different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to perform this step if you want to find the best price on auto insurance.

Quote rates the easy way

The preferred way to lower your rates uses one simple form that gets price quotes from many companies. The form is fast, requires less work, and makes comparison shopping much simpler. Immediately after submitting the form, it gets priced and you can select any of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To save time and find out if lower rates are available, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you complete the form with the insurance coverages as close as possible to your current policy. This makes sure you are getting a fair comparison based on the exact same insurance coverage.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the different types of things that help determine the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Pay less if you're married - Getting married can get you a discount on your policy. It translates into being more responsible and it's proven that being married results in fewer claims.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, vandalism, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more expense you have to pay, the less your auto insurance will be.
Pleasure use saves money - Driving more miles in a year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
Safer occupants lowers premiums - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and lower injury rates means lower claim amounts and lower rates for you.
Do you know you're credit rating? - Credit history is a important factor in calculating your auto insurance rates. If your credit history is not that good, you could pay less to insure your by repairing your credit. People with high credit scores tend to be more responsible than drivers who have lower credit scores.
Do men or women drive better? - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both are in accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.

How can State Farm, GEICO and Progressive save drivers who switch?

Alaska consumers can't get away from ads that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to make an identical promise about savings after switching your coverage to them.

How do they all make almost identical claims?

All the different companies are able to cherry pick for the type of customer that is profitable for them. A good example of a desirable insured could possibly be over the age of 50, has no driving citations, and drives newer vehicles. A driver who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will have to pay higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. That's the way companies can truthfully claim big savings. Because of the profiling, drivers must get as many quotes as possible. It is impossible to predict which auto insurance company will give you the biggest savings.

Best coverage at the best price

Cheaper auto insurance can be purchased online as well as from independent agents in Valdez, and you should be comparing both to get a complete price analysis. A few companies don't offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. In many cases, someone sacrificed full coverage and found out when filing a claim that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford.

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, delays in paying claims or delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

Learn more about Alaska auto insurance

Even more information can be read at the Alaska Division of Insurance website. Alaska consumers can get help finding coverage, report car insurance fraud, and file complaints about an insurance agent or broker.