Everyone knows that car insurance companies don’t want you comparing rates. Insureds who compare price quotes are very likely to buy a new policy because they have a good chance of finding a lower-priced policy. A survey found that consumers who compared rates annually saved approximately $850 each year as compared to drivers who never compared prices.
If finding the lowest price on insurance in Anchorage is your objective, then having a grasp of how to quote and compare cheaper coverage can help you succeed in saving money.
If you want to save the most money, the best way to find low-cost prices for auto insurance rates is to compare quotes once a year from insurers that sell auto insurance in Anchorage.
Step 1: Gain an understanding of how auto insurance works and the factors you can control to prevent expensive coverage. Many things that result in higher prices like traffic tickets, fender benders, and a lousy credit rating can be eliminated by making lifestyle changes or driving safer. Continue reading for tips to prevent high rates and get bigger discounts that may have been overlooked.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers. View insurance agents
Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a better price, verify that coverage does not lapse between policies.
Step 4: Tell your current company to cancel your existing policy and submit payment along with a signed and completed policy application for your new coverage. As soon as you have the new policy, keep the new certificate of insurance in a readily accessible location in your vehicle.
One piece of advice is to use the same coverage limits and deductibles on every price quote and and to get price estimates from all possible companies. This guarantees an apples-to-apples comparison and and a good selection of different prices.
Do you qualify for discounts?
Insurance is expensive, but there are discounts available that may help make it more affordable. Some discounts will apply when you complete an application, but some discounts are required to be specifically requested before they will apply.
- Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Student in College – Children who live away from home to go to college and do not have a car could get you a discount.
- Senior Citizens – Drivers that qualify as senior citizens can get a small decrease in premiums.
- Cautious Driver Discounts – Drivers without accidents can save up to 40% or more on their Anchorage auto insurance quote compared to rates paid by drivers with frequent claims.
- Claim Free – Insureds who avoid accidents and claims have much lower rates as opposed to drivers with a long claim history.
Please keep in mind that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck.
The example below compares Volkswagen Golf auto insurance rates with and without discounts being applied to the rates. The data is based on a male driver, no driving violations, no at-fault accidents, Alaska state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, safe-driver, and claim-free discounts applied.
Popular insurance companies and a summarized list of policyholder discounts are:
- GEICO offers discounts for multi-vehicle, anti-lock brakes, emergency military deployment, multi-policy, anti-theft, and defensive driver.
- USAA has discounts for annual mileage, family discount, military installation, safe driver, and new vehicle.
- Progressive offers discounts including continuous coverage, online signing, multi-vehicle, homeowner, online quote discount, good student, and multi-policy.
- American Family policyholders can earn discounts including mySafetyValet, good driver, TimeAway discount, defensive driver, multi-vehicle, early bird, and air bags.
- Esurance includes discounts for DriveSense, claim free, online shopper, emergency road assistance, and online quote.
- Farmers Insurance may offer discounts for pay in full, business and professional, alternative fuel, homeowner, electronic funds transfer, early shopping, and multi-car.
- State Farm may include discounts for Drive Safe & Save, good student, defensive driving training, student away at school, safe vehicle, and multiple autos.
Before you buy a policy, ask all the companies how many discounts you can get. A few discounts might not be offered in Anchorage.
The most recommended method to compare car insurance company rates for Volkswagen Golf insurance in Anchorage takes advantage of the fact most insurance companies provide online access to give rate comparisons. All you need to do is provide information such as if you have a valid license, how you use your vehicles, if a SR-22 is needed, and if it has an alarm system. That information is then sent to multiple top-rated companies and you will get price comparisons very quickly.
To get price quotes for your Volkswagen Golf now, click here and enter your coverage details.
The providers in the list below can provide quotes in Anchorage, AK. If you want to find cheap car insurance in Anchorage, we suggest you visit several of them to get the lowest price.
Volkswagen Golf insurance rates and statistics
The rate information shown below covers detailed analysis of prices for Volkswagen Golf models. Learning a little about how insurance rates are determined can benefit drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $190 | $414 | $368 | $22 | $110 | $1,104 | $92 |
| Golf 2.5 4-Dr Hatchback | $214 | $414 | $368 | $22 | $110 | $1,128 | $94 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $214 | $476 | $368 | $22 | $110 | $1,190 | $99 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $214 | $414 | $368 | $22 | $110 | $1,128 | $94 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in vehicle location which can modify prices noticeably.
Higher deductibles save money
When shopping for insurance, a common question is which deductible level should you buy. The following insurance rates outline the differences in premium rates when you choose different coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $234 | $498 | $272 | $16 | $82 | $1,127 | $94 |
| Golf 2.5 4-Dr Hatchback | $264 | $498 | $272 | $16 | $82 | $1,157 | $96 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $264 | $574 | $272 | $16 | $82 | $1,233 | $103 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $264 | $498 | $272 | $16 | $82 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $170 | $336 | $272 | $16 | $82 | $876 | $73 |
| Golf 2.5 4-Dr Hatchback | $192 | $336 | $272 | $16 | $82 | $898 | $75 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $192 | $388 | $272 | $16 | $82 | $950 | $79 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $192 | $336 | $272 | $16 | $82 | $898 | $75 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in Anchorage location which can impact premiums noticeably.
We can estimate from the data above that using a $100 deductible costs about $21 more each month or $252 annually than buying the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 19 months between claim filings, you would probably be better off if you elect the higher deductible.
The illustration below shows how different deductible levels and can raise or lower Volkswagen Golf insurance costs for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are factored in.
Safe drivers pay cheaper rates
The illustration below demonstrates how speeding tickets and accident claims can impact Volkswagen Golf insurance rates for different age groups of insureds. The premium estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Insurance premiums based on gender
The illustration below visualizes the comparison of Volkswagen Golf car insurance costs for male and female drivers. The premiums are based on no claims or violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
Volkswagen Golf full coverage rates compared to liability only
The illustration below visualizes the comparison of Volkswagen Golf insurance rates with full physical damage coverage and with liability coverage only. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.
When to drop full coverage
There is no set rule for dropping comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Volkswagen Golf replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after paying your deductible. If you are paying in excess of $300 a year for your policy with full coverage, then you might consider buying liability only.
There are some cases where removing full coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Do I need special coverages?
Always keep in mind that when comparing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.
These are some specific questions can help discover if your insurance needs will benefit from professional help.
- Do I have coverage if my license is suspended?
- When would I need rental car insurance?
- Do I need replacement cost coverage?
- Do I need PIP coverage since I have good health insurance?
- Am I covered if I hit my neighbor’s mailbox?
- Does medical payments coverage apply to all occupants?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.
Local neighborhood agents and auto insurance
A small number of people would rather get advice from a local agent and that is not a bad decision One of the benefits of comparing rate quotes online is that you can find cheap auto insurance quotes but also keep your business local.
For easy comparison, once you complete this simple form, the quote information is instantly submitted to participating agents in Anchorage who can give free rate quotes for your coverage. It simplifies rate comparisons since you won’t have to drive around because prices are sent instantly to you. It’s the lowest rates without the usual hassles of price shopping. If you want to quote rates from one company in particular, you would need to jump over to their website to submit a rate quote request.
Finding a good company should depend on more than just a low price. These questions are important to ask:
- Did they already check your driving record and credit reports?
- Does the agency support the community they serve?
- What company holds the largest book of business for them?
- Are there any extra charges for paying monthly?
- Can they give you a list of client referrals?
If you are wanting to find a reliable agent, there are two types of agencies and how they operate. Auto insurance agents in Anchorage can either be exclusive or independent (non-exclusive).
Exclusive Auto Insurance Agents
Exclusive insurance agents are contracted to one company and some examples include Farmers Insurance and State Farm. They usually cannot place coverage with different providers so they have to upsell other benefits. Exclusive agents are well schooled in insurance sales and that allows them to sell at a higher price point.
The following is a list of exclusive agents in Anchorage who can help you get price quotes.
Allstate Insurance: Ann T. Steck-Nale
1120 Huffman Rd, Ste A21 – Anchorage, AK 99515 – (907) 333-4411 – View Map
Allstate Insurance: Ronald Samber
1731 Bragaw St – Anchorage, AK 99508 – (907) 333-4566 – View Map
Allstate Insurance: William R. McVitty
550 E Tudor Rd Ste 201 – Anchorage, AK 99503 – (907) 563-9690 – View Map
Independent Auto Insurance Agents
Agents of this type are not restricted to one company and that enables them to quote your coverage amongst many companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to do anything.
When comparison shopping, we recommend you include a few independent agents for maximum quote selection.
The following are independent agents in Anchorage that are able to give price quote information.
Randall Moss Insurance
2960 C St #200 – Anchorage, AK 99503 – (907) 562-6224 – View Map
Alaska Service Agency
6901 Debarr Road #201 – Anchorage, AK 99504 – (907) 337-2311 – View Map
Dewar Insurance Agency
205 E Benson Blvd – Anchorage, AK 99503 – (907) 258-8888 – View Map
Upon getting reasonable responses to these questions and an affordable coverage quote, chances are good that you have found a car insurance agent that is professional and can insure your vehicles. But remember, you have the power to terminate your policy any time you want so don’t assume that you’re stuck with a policy for a certain time period.
Persistence is the key to affordable rates
We just presented a lot of ways to shop for Volkswagen Golf insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the lowest prices are with an unexpected company.
Cheaper Volkswagen Golf insurance in Anchorage can be bought on the web in addition to local insurance agencies, and you need to comparison shop both to have the best selection. There are still a few companies who may not have online price quotes and many times these smaller companies prefer to sell through local independent agents.
People switch companies for many reasons like questionable increases in premium, denial of a claim, policy cancellation or not issuing a premium refund. No matter why you want to switch, switching car insurance companies can be easy and end up saving you some money.
More detailed car insurance information is available by following these links:
- Speed and Speed Limit FAQ (iihs.org)
- Who Has Cheap Anchorage Car Insurance Rates for 4×4 Vehicles? (FAQ)
- How Much is Anchorage Auto Insurance for a Kia Forte? (FAQ)
- What Car Insurance is Cheapest for a Chevrolet Silverado in Anchorage? (FAQ)
- How Much is Car Insurance for Low Income Drivers in Anchorage? (FAQ)
- Who Has Affordable Auto Insurance for Handicapped Drivers in Anchorage? (FAQ)
- What Insurance is Cheapest for Drivers with Accidents in Anchorage? (FAQ)
- How Much is Anchorage Auto Insurance for a Hyundai Elantra? (FAQ)
- How Much are Auto Insurance Rates for Used Cars in Anchorage? (FAQ)
- Who Has Affordable Anchorage Auto Insurance Rates for Teenage Males? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Collision Coverage (Liberty Mutual)
- Red Light Cameras (State Farm)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)