Cheapest Quotes for Volvo XC70 Insurance in Anchorage

The best way we recommend to save money on Volvo XC70 insurance is to start comparing prices yearly from different companies who provide auto insurance in Anchorage. Price quotes can be compared by following these steps.

First, try to comprehend how auto insurance works and the measures you can control to lower rates. Many policy risk factors that increase rates like accidents, traffic tickets, and a not-so-good credit score can be controlled by making lifestyle changes or driving safer. Later in this article we will cover information to help reduce premium rates and find missing discounts.

Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple insurance companies. Select a company

Third, compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you can save some money, make sure there is no lapse in coverage.

Fourth, provide notification to your current company of your intention to cancel your existing policy. Submit the required down payment along with the signed application to the new company. Immediately upon receiving it, safely store the proof of insurance paperwork in your vehicle’s glove compartment or console.

A key point to remember is to try to compare identical deductibles and limits on each price quote and and to get price quotes from every insurance company. This ensures a fair price comparison and the most accurate and complete price analysis.

It’s hard to believe, but the vast majority of Alaska auto insurance customers kept their policy with the same company for over three years, and nearly half have never compared auto insurance rates at all. Most drivers in America could save an average of 46.5% each year, but they won’t spend time to save money by comparing rate quotes.

If you have coverage now or need a new policy, use these cost-cutting techniques to buy cheaper insurance while maximizing coverage. Our goal in writing this article teach you the most effective ways to compare rates and some money-saving tips. Drivers only need to know the quickest way to compare company rates from many different companies.

Compare Anchorage Volvo XC70 insurance quotes online

The following companies are our best choices to provide price quotes in Anchorage, AK. To buy cheaper auto insurance in Anchorage, AK, it’s highly recommended you visit several of them to get the most affordable price.

Affordable Anchorage insurance rates with discounts

Insurance is easily one of your largest bills, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested before they will apply.

• Anti-theft System – Cars and trucks with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your Anchorage car insurance quote.
• No Charge for an Accident – Not really a discount, but a few companies such as GEICO and Allstate will let one accident slide before raising your premiums if you are claim-free for a set time period.
• Multiple Vehicles – Drivers who insure more than one vehicle with the same company can get a discount on all vehicles.
• Discount for New Cars – Adding a new car to your policy can save up to 30% because new model year vehicles are generally safer.
• Early Switch Discount – A few companies offer discounts for switching policies before your current XC70 insurance policy expires. The savings is around 10%.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and earn discounts up to 10%.
• Own a Home – Being a homeowner can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
• Organization Discounts – Affiliation with a qualifying organization could qualify you for a break on your next insurance statement.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts could see savings of more than 20%.
• No Claims – Drivers who don’t have accidents can save substantially when compared with drivers with a long claim history.

We need to note that some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So even though you would think you can get free auto insurance, you won’t be that lucky.

The example below visualizes the comparison of Volvo XC70 yearly insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, a clean driving record, no claims, Alaska state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, multi-policy, and marriage discounts applied.

Some of the larger companies that may include some of the above discounts possibly include:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

If you need lower rates, check with each company or agent which discounts you may be entitled to. Savings may not apply to policyholders in every state. To locate providers that can offer you the previously mentioned discounts in Anchorage, follow this link.

Car insurance analysis for a Volvo XC70

The table below covers a range of prices for Volvo XC70 models. Being able to understand how auto insurance policy rates are calculated can be useful when making informed coverage decisions.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific zip code location which can impact auto insurance rates greatly.

Physical damage deductibles: Should you raise them?

When comparing car insurance rates, the most common question is which deductibles should you choose. The rates shown below may aid in understanding the costs and benefits when you choose different insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific location information which can affect premium rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $25 more each month or $300 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 30 months between claims, you would most likely save money if you choose the higher deductible.

Lower Your Anchorage Insurance Premiums

An important part of buying insurance is that you know some of the factors that aid in calculating the price you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find big savings.

• Accidents hurt – Good drivers pay less for auto insurance compared to bad drivers. Getting just one ticket could increase your next policy renewal substantially. Drivers with severe violations such as DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to keep their license.

  The information below shows how violations and at-fault collisions can raise Volvo XC70 premium costs for different age groups of insureds. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

• Add-on coverages may not be needed – There are quite a few extra coverages that can add up but may not be useful. Insurance for coverage for rental cars, towing, and Farm Bureau memberships are probably not needed. They may seem good at first, but your needs may have changed so eliminate them to save money.
• Poor credit decisions can cost you – Having a bad credit rating can be an important factor in determining premium rates. Insureds with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. If your credit score is lower than you’d like, you could save money insuring your Volvo XC70 by spending a little time repairing your credit.
• Liability is important – The liability coverage on your policy will provide protection in the event that you are found to be at fault for physical damage or personal injury to other. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so do not skimp.
• Cars with good safety ratings means cheaper insurance – Cars with high safety ratings cost less to insure. Highly rated vehicles result in less severe injuries and better occupant protection means your insurance company pays less which can result in lower premiums.
• Lower premiums with theft deterrents – Buying a car with an alarm system can help lower your premiums. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft.

• Volvo XC70 claim probability – Insurers include the past claim history for a vehicle to calculate a price that will offset losses. Models that the data shows to have higher prevalence or dollar amount of losses will have increased rates. The next table shows the loss history for Volvo XC70 vehicles.

  For each policy coverage, the claim probability for all vehicles averaged together is set at 100. Numbers that are below 100 are indicative of better than average losses, while percentage values above 100 point to more claims or an increased chance of a larger loss.

  
  

  Volvo XC70 Insurance Loss Statistics

  Specific Volvo Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Volvo XC70 Station Wagon 2WD	69
  Volvo XC70 Station Wagon 4WD	79	70	94	45

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Buying insurance from Anchorage insurance agents

A lot of people just prefer to talk to an insurance agent and that is not a bad decision Most agents can help determine the best coverages and help you file claims. One of the great benefits of getting online price quotes is you can get the lowest rates and still have a local agent.

To find an agent, once you fill out this form (opens in new window), the coverage information is submitted to insurance agents in Anchorage that give free quotes for your insurance coverage. You won’t need to leave your house since rate quotes are delivered to you instantly. If for some reason you want to compare rates from a specific insurance company, just search and find their rate quote page and give them your coverage information.

Choosing an provider should include more criteria than just a cheap price. Any agent in Anchorage should be willing to answer these questions.

• Does the agency provide any after hours assistance?
• Do they reduce claim amounts on high mileage vehicles?
• Is there a local claims center in Anchorage?
• Do they review policy coverages at every renewal?
• What companies can they write with?

Best car insurance agent in Anchorage

When searching for a local agent, it’s important to understand the different agency structures and how they differ in how they quote coverages. Anchorage agents are categorized either independent agents or exclusive agents depending on their employer. Either one can do a good job, but it’s important to point out the differences since it can affect buying decisions.

Exclusive Agencies

Exclusive agencies write business for a single company like AAA, Allstate, and State Farm. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on their company’s products and that allows them to sell at a higher price point. A lot of people choose to use a exclusive agent mainly due to the prominent brand name instead of buying on price only.

Listed below are exclusive agents in Anchorage that are able to give rate quotes.

• Allstate Insurance: Roy Briley
  1577 C St Ste 102 – Anchorage, AK 99501 – (907) 297-2900 – View Map
• Gary Annis – State Farm Insurance Agent
  3330 C St #101 – Anchorage, AK 99503 – (907) 563-1960 – View Map
• State Farm: Todd Jackson
  1330 Huffman Rd Suite E – Anchorage, AK 99515 – (907) 345-0214 – View Map

More insurance agents

Independent Insurance Agents

Independent agencies are not restricted to one company and that allows them to write policies with a variety of different insurance companies and potentially find a lower price. If your premiums go up, your policy is moved internally and you don’t have to find a new agent. When shopping rates, you will definitely want to include price quotes from several independent agencies to maximize your price options. Most independent agents also contract with small mutual carriers that many times have cheaper rates.

Listed below are independent agencies in Anchorage who can help you get price quotes.

• 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
• Integrity Insurance Agency
  1505 W 34th Ave – Anchorage, AK 99503 – (844) 878-0258 – View Map

More insurance agents

If you get satisfactory answers to any questions you may have and a good coverage price, you have narrowed it down to a car insurance agent that will provide insurance coverage.

Auto insurance can get complicated

Keep in mind that when it comes to choosing the right insurance coverage, there really is not a one-size-fits-all type of policy. Your situation is unique and your auto insurance should be unique as well.
Here are some questions about coverages that might point out whether you may require specific advice.

• If I use my vehicle for business use is it covered?
• Should I buy additional glass protection?
• Should I buy full coverage?
• Are my friends covered when driving my Volvo XC70?
• Why am I required to buy high-risk coverage?
• What policy terms are available?
• Should I sign the liability waiver when renting a car?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Cheaper insurance is a realistic goal

Some insurance companies don’t offer the ability to get quotes online and usually these small, regional companies sell through independent insurance agencies. Lower-priced Volvo XC70 insurance in Anchorage is available online as well as from independent agents in Anchorage, so you need to compare both to have the best selection.

We covered many tips how you can find affordable Volvo XC70 insurance in Anchorage. The most important thing to understand is the more you quote Anchorage car insurance, the better chance you’ll have of finding the cheapest Volvo XC70 rate quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the lowest possible cost.

To learn more, feel free to browse the articles below:

• Drunk Driving Statistics (Insurance Information Institute)
• Safety Features for Your New Car (State Farm)
• Learn About Car Insurance (GEICO)
• Where can I buy Insurance? (Insurance Information Institute)