If shopping for Anchorage auto insurance quotes online is new to you, chances are good that you are confused thanks to the incredible selection of online companies vying for business in Anchorage.
How to find lower priced Lincoln Continental insurance in Anchorage
The best way to find low-cost Lincoln Continental insurance in Anchorage is to start doing a yearly price comparison from companies in Alaska. Rates can be compared by completing these steps.
- Try to comprehend how companies price auto insurance and the things you can control to prevent expensive coverage. Many risk factors that are responsible for high rates such as accidents, careless driving, and poor credit rating can be improved by being financially responsible and driving safely. This article gives information to help prevent high rates and find possible discounts that are available.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while independent agencies can quote prices for many different companies.
- Compare the quotes to the premium of your current policy to see if cheaper Continental coverage is available in Anchorage. If you can save some money and buy the policy, make sure there is no coverage gap between policies.
- Notify your agent or company to cancel the current policy. Submit a signed application and payment to your new company or agent. As soon as you can, put the new proof of insurance paperwork in your glove compartment.
One piece of advice is that you’ll want to compare similar coverage information on each price quote and to quote with every insurance company. Doing this helps ensure an accurate price comparison and the best price selection.
Regrettably, the majority of drivers kept buying from the same company for a minimum of four years, and roughly 40% of drivers have never compared rate quotes at all. Consumers in America could pocket $859 a year by just shopping around, but most tend to underestimate the actual amount they would save if they just switched companies.
The intent of this article is to let you in on how to get online quotes and also pocket some savings If you have coverage now, you will be able to get lower rates using these techniques. Nevertheless, Alaska consumers need to have an understanding of the methods companies use to market insurance on the web and take advantage of how the system works.
The are a couple different ways of comparing rate quotes from different Anchorage insurance companies. The easiest way to find cheaper Lincoln Continental rates is to use the internet to compare rates. Just remember that more quotes provides better odds of finding a better price.
The companies shown below are ready to provide free quotes in Anchorage, AK. If you want to find the best cheap auto insurance in Anchorage, AK, it’s a good idea that you visit two to three different companies to get the most affordable price.
Get cheaper rates on Lincoln Continental insurance in Anchorage with these discounts
Insuring your vehicles can cost a lot, but there are discounts available that can help lower your rates. Some trigger automatically when you purchase, but some need to be specifically requested before you will receive the discount.
- Accident Free – Good drivers with no accidents are rewarded with significantly better rates on Anchorage auto insurance quote when compared to insureds who have frequent claims or accidents.
- Military Deployment Discount – Having an actively deployed family member can result in better prices.
- Discounts for Good Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Telematics Devices – People who choose to allow their company to monitor driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.
- Distant Student – Kids who are enrolled in a college that is more than 100 miles from Anchorage and do not have a car could get you a discount.
Don’t be surprised that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free car insurance policy, that’s just not realistic. Any amount of discount will help lower the amount you pay for coverage.
Large car insurance companies and the discounts they provide are shown below.
- GEICO has savings for multi-vehicle, defensive driver, federal employee, seat belt use, and air bags.
- Auto-Owners Insurance offers discounts for student away at school, safe driver, good student, anti-lock brakes, company car, and air bags.
- American Family policyholders can earn discounts including mySafetyValet, multi-vehicle, early bird, air bags, and defensive driver.
- Esurance may include discounts for DriveSense, anti-theft, multi-policy, good driver, renters, and online quote.
- Progressive may have discounts that include online quote discount, good student, multi-policy, multi-vehicle, online signing, continuous coverage, and homeowner.
- State Farm offers premium reductions for passive restraint, driver’s education, accident-free, good student, anti-theft, student away at school, and multiple policy.
- AAA discounts include anti-theft, good driver, pay-in-full, AAA membership discount, and good student.
When quoting, ask every prospective company which discounts you may be entitled to. Discounts might not be offered in Anchorage.
Why Smart Consumers Pay Less for Lincoln Continental Insurance
The best way to find cheaper auto insurance is to take a look at some of the factors that are used to determine the rates you pay for auto insurance. If you know what controls the rates you pay, this allows you to make good choices that can earn you lower premium levels. Many factors are used when you get a price on insurance. Some are obvious such as your driving record, but other criteria are less obvious like your continuous coverage or your vehicle rating.
- Occupation and insurance rates – Do you have a high-stress occupation? Jobs such as military generals, social workers, and medical professionals tend to pay the highest rates attributed to intense work requirements and incredibly demanding work hours. Other professions such as professors, historians and performers have lower than average premiums.
- Better prices on safer vehicles – Cars with high safety ratings cost less to insure. Vehicles built for safety have better occupant injury protection and lower injury rates means less money paid by your insurance company which can result in lower premiums.
- Single drivers take more risk – Your spouse may earn you lower rates when buying auto insurance. It may mean you are more responsible and statistics prove married drivers get in fewer accidents.
- Insurance is expensive for younger drivers – Older insureds are more cautious drivers, statistically cause fewer accidents, and are safer drivers. Youthful drivers are known to be more careless when at the wheel of a vehicle so auto insurance rates are higher.
- You might want pay the inexpensive insurance claims yourself – If you file a lot of claims you shouldn’t be surprised to get either higher rates or even cancellation. Companies in Alaska generally give discounts to people that do not abuse their auto insurance. Your car insurance is designed for the large, substantial claims.
- Don’t get traffic citations – A bad driving record has a huge affect on how much you pay. Drivers with clean records pay less for auto insurance as compared to careless drivers. Just one ticket could increase your next policy renewal forty percent or more. Drivers who have received severe violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
- Annual miles is a factor – Driving more miles each year the more you’ll pay to insure it. The majority of insurers charge rates partially by how you use the vehicle. Cars and trucks that have low annual miles cost less to insure than vehicles that have high annual mileage. Improper usage on your Continental is just wasting money. It’s always a good idea to double check that your auto insurance policy properly reflects annual mileage, because it can save money.
Comparing quotes from local Anchorage insurance agencies
Many drivers still prefer to visit with an insurance agent and that is a personal choice. A nice benefit of comparing insurance online is you may find cheap insurance quotes and also buy local. Supporting neighborhood insurance agencies is especially important in Anchorage.
Once you complete this simple form, the quote information is submitted to agents in your area that can provide free Anchorage auto insurance quotes and help you find cheaper coverage. There is no reason to contact any agents as quotes are delivered directly to you. You’ll get the best rates without having to waste a lot of time. If you have a need to compare rates from a specific insurance company, you just need to search and find their rate quote page and complete a quote there.
Picking the best company needs to be determined by more than just a low price. Any agent in Anchorage should be willing to answer these questions.
- Will a damage claim use OEM or aftermarket replacement parts?
- Are there any extra charges for paying monthly?
- What kind of financial rating does the company have?
- Did they already check your driving record and credit reports?
- What company holds the largest book of business for them?
- Where are claims handled?
- What is the agency’s Better Business Bureau rating?
- Do they carry Errors and Omissions coverage?
It’s not one size fits all
When it comes to proper insurance coverage for your vehicles, there really isn’t a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that.
For instance, these questions could help you determine if your insurance needs might need professional guidance.
- Am I covered if I back into my garage door?
- Why am I required to get a high-risk car insurance policy?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered when driving someone else’s vehicle?
- Should I rate my Lincoln Continental as pleasure use or commute?
- I have good health insurance, so how much medical payments coverage do I need?
- How high should my uninsured/underinsured coverage be in Alaska?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.
Alaska auto insurance companies
Ending up with the highest-rated car insurance provider is difficult considering how many companies there are to choose from in Anchorage. The company rank data below may help you decide which companies to look at when shopping around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
A little work can save a LOT of money
As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many cases where drivers have reduced liability coverage limits only to find out that they should have had better coverage. Your goal is to get the best coverage possible at the best possible price, but do not skimp to save money.
Budget-conscious Lincoln Continental insurance is definitely available online in addition to many Anchorage insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online rate quotes and these small, regional companies sell through independent insurance agents.
Steps to buying lower priced Lincoln Continental insurance in Anchorage
The best way to get budget Lincoln Continental insurance is to regularly compare prices from different companies in Anchorage.
- Step 1: It will benefit you to learn about how your policy works and the things you can change to keep rates in check. Many risk factors that are responsible for high rates such as at-fault accidents and your credit history can be amended by making small lifestyle or driving habit changes.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while independent agents can provide prices from many different companies.
- Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find a better price and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide proper notification to your current company of your decision to cancel your current policy. Submit a signed application and payment for the new coverage. As soon as you can, put the certificate verifying coverage along with your vehicle registration.
One thing to remember is that you use the same physical damage deductibles and liability limits on every price quote and and to compare every insurance company. Doing this ensures a level playing field and and a good selection of different prices.
To learn more, link through to these articles:
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for a Jeep Wrangler in Anchorage? (FAQ)
- What Car Insurance is Cheapest for a Chevrolet Silverado in Anchorage? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Versa in Anchorage? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)