Barrow, AK Auto Insurance Buying Tips You Aren’t Supposed to Know

Are you overwhelmed by the wide range of auto insurance companies in Barrow? Many other drivers are as well. There are so many choices that it can turn into more work than you anticipated to compare prices.

It is always a good idea to check auto insurance prices occasionally because rates go up and down regularly. Despite the fact that you may have had the lowest price last year the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about auto insurance because you’re about to learn how to use the internet to save on auto insurance.

Shopping for affordable protection in Barrow can be fairly easy. Just about every driver who shops for auto insurance most likely will be able to lower their premiums. But Alaska consumers must know how companies determine prices because it can help you find the best coverage.

Vehicle Insurance Comparison

To find the best auto insurance prices, there are several ways of comparing price quotes and find the best price. The simplest method to find the lowest rates is to get quotes online. This can be done in just a few minutes using one of these methods.

  1. One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing separate quotation requests for each company you want a rate for. Completing one form will return quotes . It’s definitely the quickest method.
  2. A more time consuming way to compare rate quotes is to take the time to go to each company website and request a quote. For example, let’s assume you want to compare rates from Geico, Liberty Mutual and State Farm. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker. To view a list of companies in Barrow, click here.

However you get your quotes, ensure you’re using identical coverages and limits with every price quote. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine the best price in Barrow. Slightly different limits could mean much higher rates. And when quoting auto insurance, remember that obtaining a wide range of quotes helps you find a lower rate.<img class="alignright" style="padding-top:15px" src="" alt="lower rates in Barrow AK” />

Are you getting all your discounts?

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but less common discounts must be specially asked for before you will receive the discount.

  • Government Employees – Active or retired federal employment could cut as much as 10% off with a few auto insurance companies.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums.
  • One Accident Forgiven – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Fewer Miles Equal More Savings – Fewer annual miles can qualify you for a substantially lower rate.
  • Homeowners Pay Less – Owning a home in Barrow may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.

Consumers should know that many deductions do not apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

When might I need an agent?

When it comes to choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might point out whether or not you will benefit from professional help.

  • Do all my vehicles need collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my vehicle need full coverage?
  • Does my personal policy cover me when driving my company car?
  • Do I need rental car coverage?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Barrow AK insurance comparisons

Much more information about auto insurance in Alaska can be found on the Alaska Division of Insurance website through this link. Alaska drivers can find out industry alerts, find disaster information, and discover disciplinary actions.

Additional helpful sites include this site for auto insurance information in Alaska and this page where you can also get Barrow auto insurance quotes.