Paying for high-priced auto insurance can dwindle your personal savings, especially in this economy. Comparison shopping is a great way to help make ends meet.
Companies like Allstate, Progressive and GEICO continually hit you with catchy ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.
It’s a good habit to shop coverage around yearly because prices change regularly. Just because you found the best rates a few years ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest way to save money, get proper coverage and the best rates.
Where Can I Get Cheap Nome Auto Insurance?
To find the best auto insurance prices, there are several ways to compare quotes from different in Nome, Alaskainsurance companies. The quickest method to compare insurance prices is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.
One of the simplest ways to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating boring form submissions for every auto insurance company. Completing one form will get you price quotes instantly.
Another way to compare prices is to manually visit the website of each company and fill out their own quote form. For sake of this example, let’s assume you want comparison quotes from State Farm, Farmers and GEICO. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular.
For a handy list of car insurance company links in Nome, click here.
However you get your quotes, make sure you use identical coverage limits and deductibles with each company. If your comparisons have mixed coverages it will be impossible to truly determine the lowest rate in Nome. Having just a slight variation in coverage limits can make a big difference in price. And when comparing auto insurance rates, know that having more price comparisons gives you a better chance of getting better pricing.
Verify you’re getting all your discounts
Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so we researched both the well known as well as the least known ways to save on auto insurance.
- Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
- Federal Employees – Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
- Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
A little note about advertised discounts, some credits don’t apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, companies don’t profit that way.
When should I talk to an agent?
When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help highlight whether you might need an agent’s assistance.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I need motorclub coverage?
- Am I covered when driving on a suspended license?
- Is rental equipment covered for theft or damage?
- How high should my medical payments coverage be?
- What is the minimum liability in Alaska?
- I don’t drive much so do I pay less?
- Who is covered by my policy?
- Can I rate high risk drivers on liability-only vehicles?
- What happens if I owe more than my vehicle is worth?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.
More detailed Alaska auto insurance information can be found at the Alaska Division of Insurance website. Alaska consumers can read industry bulletins, find a variety of consumer forms, get help finding coverage, and read enforcement actions against agents and companies.