If you want to save the most money, the best way to find affordable quotes for car insurance rates in Anchorage is to annually compare prices from companies in Alaska. You can compare rates by following these steps.
- Try to understand what coverages are included in your policy and the measures you can take to drop your rates. Many policy risk factors that result in higher rates such as at-fault accidents, careless driving, and an imperfect credit rating can be remedied by paying attention to minor details. This article gives more ideas to get lower rates and find possible discounts that are available.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
- Compare the quotes to your existing policy to determine if you can save on Q7 insurance. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
- Provide written notification to your current company of your decision to cancel your current auto insurance policy and submit a completed application and payment to the new company. Once the application is submitted, put the new certificate verifying proof of insurance with your vehicle’s registration.
One tip to remember is to use the same deductibles and limits on each quote request and and to get quotes from as many auto insurance providers as possible. Doing this guarantees a level playing field and and a good selection of different prices.
It’s an obvious statement that car insurance companies want to keep you from comparing rates. People who do rate comparisons will presumably switch to a new company because of the high probability of finding coverage at a cheaper rate. A study discovered that consumers who compared price quotes annually saved $865 annually compared to policyholders who never compared prices.
If finding the cheapest price for car insurance is your goal, then having some knowledge of how to find and compare insurance can make the process more efficient.
If you have insurance now, you will definitely be able to reduce premiums using the techniques covered below. Obtaining price quotes for the lowest-priced auto insurance in Anchorage is not as difficult as people think. But Alaska drivers need to learn how big insurance companies sell insurance online because it varies considerably.
Discounts mean cheaper rates for Audi Q7 insurance in Anchorage
Car insurance companies don’t always advertise every discount in a way that’s easy to find, so the below list has a few of the more well known and also the lesser-known auto insurance savings.
- Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Pay Early and Save – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
- Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Liberty Mutual, GEICO and Allstate permit an accident without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.
- College Student – Children who are attending college and do not take a car to college may be insured at a cheaper rate.
- Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount on your bill.
- Early Signing – A few auto insurance companies give discounts for switching companies before your current coverage expires. You could save around 10% when you buy Anchorage auto insurance online.
- Senior Discount – If you’re over the age of 55, you could receive a slight reduction on a Anchorage auto insurance quote.
One thing to note about discounts is that some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will bring down the premium cost.
The information below shows the difference between Audi Q7 auto insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, no claims, a clean driving record, Alaska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, multi-policy, safe-driver, and claim-free discounts applied.
Some of the larger companies that may offer quotes with most of these discounts possibly include:
When comparing rates, check with each insurance company to give you their best rates. Some discounts might not be available to policyholders in your state.
When quoting auto insurance, remember that making a lot of price comparisons helps improve the odds of finding more affordable rates. Not every company allows you to get online price quotes, so it’s important to compare price quotes from the smaller companies as well.
The companies shown below are ready to provide price comparisons in Alaska. If you wish to find cheap car insurance in Alaska, we recommend you visit two to three different companies in order to get a fair rate comparison.
Coverage information
The data table shown below covers different coverage prices for Audi Q7 models. Having a good understanding how insurance policy premiums are figured can help you make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q7 3.6 Quattro | $266 | $442 | $280 | $16 | $84 | $1,088 | $91 |
| Q7 3.6 Premium | $266 | $442 | $280 | $16 | $84 | $1,088 | $91 |
| Q7 3.0 Premium Turbo | $266 | $442 | $280 | $16 | $84 | $1,088 | $91 |
| Q7 3.6 Quattro Turbo Diesel | $266 | $442 | $280 | $16 | $84 | $1,088 | $91 |
| Q7 3.6 Premium Plus | $266 | $442 | $280 | $16 | $84 | $1,088 | $91 |
| Q7 3.6 Prestige S-Line | $266 | $500 | $280 | $16 | $84 | $1,146 | $96 |
| Q7 3.6 Prestige | $266 | $500 | $280 | $16 | $84 | $1,146 | $96 |
| Q7 3.6 Premium Plus SLINE | $266 | $500 | $280 | $16 | $84 | $1,146 | $96 |
| Q7 3.0 Premium Plus S-Line Turbo | $266 | $500 | $280 | $16 | $84 | $1,146 | $96 |
| Q7 3.0 Premium Plus Turbo | $266 | $500 | $280 | $16 | $84 | $1,146 | $96 |
| Q7 3.0 Prestige S-Line Turbo | $290 | $500 | $280 | $16 | $84 | $1,170 | $98 |
| Q7 3.0 Prestige | $290 | $500 | $280 | $16 | $84 | $1,170 | $98 |
| Q7 4.2 Prestige Turbo | $290 | $500 | $280 | $16 | $84 | $1,170 | $98 |
| Q7 4.2 Prestige S-Line 8Cyl | $290 | $500 | $280 | $16 | $84 | $1,170 | $98 |
| Q7 4.2 Quattro | $290 | $500 | $280 | $16 | $84 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in vehicle location which can affect price quotes noticeably.
Comparison of policy deductibles
One common question asked by Anchorage drivers is which comprehensive and collision deductibles to buy. The data tables below can help you visualize the rate differences when you buy lower versus higher coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q7 3.6 Quattro | $292 | $480 | $272 | $16 | $82 | $1,167 | $97 |
| Q7 3.6 Premium | $292 | $480 | $272 | $16 | $82 | $1,167 | $97 |
| Q7 3.0 Premium Turbo | $292 | $480 | $272 | $16 | $82 | $1,167 | $97 |
| Q7 3.6 Quattro Turbo Diesel | $292 | $480 | $272 | $16 | $82 | $1,167 | $97 |
| Q7 3.6 Premium Plus | $292 | $480 | $272 | $16 | $82 | $1,167 | $97 |
| Q7 3.6 Prestige S-Line | $292 | $544 | $272 | $16 | $82 | $1,231 | $103 |
| Q7 3.6 Prestige | $292 | $544 | $272 | $16 | $82 | $1,231 | $103 |
| Q7 3.6 Premium Plus SLINE | $292 | $544 | $272 | $16 | $82 | $1,231 | $103 |
| Q7 3.0 Premium Plus S-Line Turbo | $292 | $544 | $272 | $16 | $82 | $1,231 | $103 |
| Q7 3.0 Premium Plus Turbo | $292 | $544 | $272 | $16 | $82 | $1,231 | $103 |
| Q7 3.0 Prestige S-Line Turbo | $318 | $544 | $272 | $16 | $82 | $1,257 | $105 |
| Q7 3.0 Prestige | $318 | $544 | $272 | $16 | $82 | $1,257 | $105 |
| Q7 4.2 Prestige Turbo | $318 | $544 | $272 | $16 | $82 | $1,257 | $105 |
| Q7 4.2 Prestige S-Line 8Cyl | $318 | $544 | $272 | $16 | $82 | $1,257 | $105 |
| Q7 4.2 Quattro | $318 | $544 | $272 | $16 | $82 | $1,257 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q7 3.6 Quattro | $236 | $388 | $272 | $16 | $82 | $994 | $83 |
| Q7 3.6 Premium | $236 | $388 | $272 | $16 | $82 | $994 | $83 |
| Q7 3.0 Premium Turbo | $236 | $388 | $272 | $16 | $82 | $994 | $83 |
| Q7 3.6 Quattro Turbo Diesel | $236 | $388 | $272 | $16 | $82 | $994 | $83 |
| Q7 3.6 Premium Plus | $236 | $388 | $272 | $16 | $82 | $994 | $83 |
| Q7 3.6 Prestige S-Line | $236 | $438 | $272 | $16 | $82 | $1,044 | $87 |
| Q7 3.6 Prestige | $236 | $438 | $272 | $16 | $82 | $1,044 | $87 |
| Q7 3.6 Premium Plus SLINE | $236 | $438 | $272 | $16 | $82 | $1,044 | $87 |
| Q7 3.0 Premium Plus S-Line Turbo | $236 | $438 | $272 | $16 | $82 | $1,044 | $87 |
| Q7 3.0 Premium Plus Turbo | $236 | $438 | $272 | $16 | $82 | $1,044 | $87 |
| Q7 3.0 Prestige S-Line Turbo | $258 | $438 | $272 | $16 | $82 | $1,066 | $89 |
| Q7 3.0 Prestige | $258 | $438 | $272 | $16 | $82 | $1,066 | $89 |
| Q7 4.2 Prestige Turbo | $258 | $438 | $272 | $16 | $82 | $1,066 | $89 |
| Q7 4.2 Prestige S-Line 8Cyl | $258 | $438 | $272 | $16 | $82 | $1,066 | $89 |
| Q7 4.2 Quattro | $258 | $438 | $272 | $16 | $82 | $1,066 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in specific garaging location which can decrease or increase coverage rates greatly.
We can derive from the above data that using a $250 deductible will cost you roughly $16 more each month or $192 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 16 months between claims, you would probably be better off if you decide on a higher deductible. The illustration below shows an example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $102 |
| Average monthly premium for $500 deductibles (subtract): | – $86 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
One thing to be aware of is that a higher deductible level means you will have to pay more when you have a comprehensive or collision claim. You need to have some available funds in the event you need to pay the deductible.
Insurance premiums for males and females
The example below shows the comparison of Audi Q7 premium costs for male and female drivers. The rates are based on no claims or violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are factored in.
Audi Q7 liability rates compared to full coverage
The diagram below compares Audi Q7 insurance costs with and without full coverage. The price estimates are based on no claims or driving citations, $250 deductibles, drivers are single, and no additional discounts are factored in.
When to drop comprehensive and collision
There is no exact formula of when to eliminate physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your Audi Q7 settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after paying your deductible. If premium cost is more than $400 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some situations where only buying liability is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Get rate quotes but still have a local neighborhood Anchorage car insurance agent
Many drivers would prefer to visit with an insurance agent and that is a smart decision One of the great benefits of comparing insurance prices online is that you can find cheap auto insurance rates and also buy local. Supporting local agencies is important especially in Anchorage.
To help locate an agent, after submitting this form (opens in new window), your information is sent to companies in Anchorage that can provide free Anchorage auto insurance quotes for your business. There is no need to search for any insurance agencies as quotes are delivered directly to your email. You can most likely find cheaper rates without having to waste a lot of time. If you need to quote rates from a specific company, just find their quoting web page and fill out their quote form.
Anchorage auto insurance agents come in two flavors
If you are searching for an insurance agent, there are a couple of types of agencies to choose from. Agents can be described as either exclusive agents or independent agents.
Independent Auto Insurance Agents
Agents that choose to be independent do not have single company limitations so they can write business with multiple insurance companies and get you the best rates possible. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency.
When comparison shopping, it’s a good idea to include rate quotes from several independent insurance agents for the best price selection. Most independent agents also contract with companies that do not advertise much which can be an advantage.
Listed below is a partial list of independent agencies in Anchorage that can possibly get you price quotes.
- Safeco Insurance
500 W 36th Ave #210 – Anchorage, AK 99503 – (907) 770-2400 – View Map - Conrad-Houston Insurance
507 W Northern Lights Blvd – Anchorage, AK 99503 – (907) 276-7667 – View Map - Randall Moss Insurance
2960 C St #200 – Anchorage, AK 99503 – (907) 562-6224 – View Map
Exclusive Insurance Agencies
These type of agents normally can only provide a single company’s rates such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to shop your coverage around so you might not find the best rates. Exclusive agents are well schooled in insurance sales which can be an advantage. Some insured continue to use the same exclusive agent partially due to the prominence of the brand and the convenience of having all coverages with one company.
Below are exclusive agencies in Anchorage willing to provide price quote information.
- State Farm: Amy Jones
111 W 6th Ave – Anchorage, AK 99501 – (907) 274-2060 – View Map - Allstate Insurance: William R. McVitty
550 E Tudor Rd Ste 201 – Anchorage, AK 99503 – (907) 563-9690 – View Map - Allstate Insurance: Stanley Tebow
8201 Old Seward Hwy a – Anchorage, AK 99518 – (907) 344-3301 – View Map
Deciding on an auto insurance agent requires you to look at more than just the price. These questions are important to ask:
- How are they compensated?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will your rates increase after a single accident?
- Does the quote include credit and driving reports?
- What company holds the largest book of business for them?
- Is their price quote a firm figure or are their hidden costs?
- Do they have designations such as AIC, CPCU, or CIC?
- How long has their agency been open in Anchorage?
Anchorage auto insurance companies ranked
Choosing the right car insurance provider can be challenging considering how many companies there are in Anchorage. The company information displayed below can help you select which auto insurers to look at shopping your coverage with.
Top 10 Anchorage Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- GEICO
- Liberty Mutual
- Allstate
- The Hartford
- The General
- Farmers Insurance
Top 10 Anchorage Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- The General
- State Farm
- AAA Insurance
- Allstate
- Esurance
- Safeco
- 21st Century
Persistent drivers can save
Lower-priced insurance in Anchorage can be sourced from both online companies in addition to many Anchorage insurance agents, so you need to shop Anchorage auto insurance with both to get a complete price analysis. A few companies may not offer online rate quotes and many times these small insurance companies sell through local independent agents.
People change insurance companies for any number of reasons including being labeled a high risk driver, not issuing a premium refund, extreme rates for teen drivers or poor customer service. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.
When searching for affordable Audi Q7 insurance quotes, it’s not a good idea to reduce needed coverages to save money. There are too many instances where consumers will sacrifice full coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Helpful articles
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has the Cheapest Auto Insurance Rates for Drivers Requiring a SR22 in Anchorage? (FAQ)
- How Much are Auto Insurance Quotes for a Hyundai Santa Fe in Anchorage? (FAQ)
- Who Has the Cheapest Car Insurance Rates for 19 Year Olds in Anchorage? (FAQ)
- How Much are Anchorage Car Insurance Quotes for a Honda Accord? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Insurance Losses by Make and Model (iihs.org)