Best Quotes for Dodge Nitro Insurance in Anchorage

It’s hard to fathom, but almost 70% of insureds in Alaska kept buying from the same company for at least four years, and nearly 40% of drivers have never compared rate quotes at all. Most drivers in the United States can save hundreds of dollars each year by just comparing quotes, but they won’t spend time to do a rate comparison.

The best way we recommend to get low-cost Dodge Nitro insurance in Anchorage is to compare prices annually from insurance carriers who sell insurance in Alaska.

Step 1: Get a basic knowledge of coverages and the measures you can control to prevent rate increases. Many risk factors that are responsible for high rates such as traffic citations, accidents, and an unacceptable credit score can be remedied by making small lifestyle or driving habit changes.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can quote rates from many different companies. View insurance agents

Step 3: Compare the new quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate, ensure coverage does not lapse between policies.

Step 4: Give proper notification to your current agent or company of your decision to cancel the current policy. Submit a down payment and signed policy application to your new agent or company. As soon as you can, keep the new certificate verifying coverage with your registration paperwork.

One key aspect of rate comparisons is to try to compare the same amount of coverage on every quote and to quote with as many different companies as possible. Doing this helps ensure a fair rate comparison and the best price selection.

When price shopping your coverage, getting more free quotes increases your odds of finding better pricing. Some insurance companies are not set up to provide online rate quotes, so you need to compare prices from them as well.

The companies in the list below can provide price comparisons in Alaska. In order to find the best auto insurance in Alaska, we suggest you click on several of them in order to find the most competitive rates.

Earn discounts on Anchorage auto insurance

Car insurance can cost a lot, but there could be significant discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but some need to be requested specifically in order for you to get them. If you are not receiving all the discounts possible, you are not getting the best rate possible.

• Paper-free Discount – Many companies will discount your bill up to fifty bucks get Anchorage auto insurance on their website.
• Anti-lock Brake System – Cars with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Membership in Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount when shopping for auto insurance.
• Safety Course Discount – Taking a course in safe driver may get you a small discount if you qualify.
• College Student Discount – Kids who are enrolled in a college that is more than 100 miles from Anchorage and don’t have a car may be insured at a cheaper rate.
• Safe Driver Discount – Drivers without accidents can save up to 40% or more on their Anchorage auto insurance quote than drivers with accident claims.

It’s important to note that some credits don’t apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

The illustration below illustrates the comparison of Dodge Nitro insurance costs with and without discounts applied to the rates. The rates are based on a female driver, no claims, a clean driving record, Alaska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, marriage, claim-free, and safe-driver discounts applied.

To locate insurers that offer multiple discounts in Alaska, follow this link.

Insurance statistics and figures

The data table below covers detailed analysis of insurance prices for Dodge Nitro models. Having insight into how policy premiums are determined is important to be able to make smart choices when comparing insurance rates.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in your specific Anchorage location which can decrease or increase auto insurance rates significantly.

Physical damage deductibles

One common question asked by Anchorage drivers is which comprehensive and collision deductibles to buy. The following tables may help to illustrate the price difference between high and low comp and collision deductibles. The first table uses a $250 deductible and the second price grid uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence auto insurance rates greatly.

Based on the figures above, using a $250 deductible could cost the average driver approximately $18 more each month or $216 each year than requesting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 42 months between claims, you would more than likely save some money by selecting a higher deductible.

Dodge Nitro insurance costs by gender and age

The illustration below visualizes the comparison of Dodge Nitro insurance prices for male and female drivers. The data is based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.

Full coverage rates vs. liability-only in Anchorage

The example below shows the comparison of Dodge Nitro insurance prices with and without full coverage. The data is based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.

When to drop comprehensive and collision coverage

There is no clear-cut formula for phasing out physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Dodge Nitro claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying your deductible. If you are currently paying more than $500 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Four factors that affect insurance premiums

Lots of things are used in the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but some are less apparent such as your marital status or your financial responsibility. The best way to find cheaper insurance is to take a look at the different types of things that are used to determine your premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that can earn you lower insurance prices.

The list below includes some of the things used by insurance companies to determine premiums.

Insurance premiums are higher for high performance vehicles – The performance of the car, truck or SUV you own makes a huge difference in your car insurance bill. The cheapest insurance rates will generally be found on lower cost passenger cars, but the cost you end up paying is determined by many additional factors.

The data below is based on a single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It shows Dodge Nitro policy rates compared to other makes and models that have different performance risks.

Consider raising coverage deductibles – Comp and collision deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some coverage claims would be colliding with a stationary object, damage from fire, or theft of your vehicle. The more expense the insured is willing to pay, the better rate you will receive.

Your address can affect price – Residing in small towns and rural areas has it’s advantages if you are looking for the lowest rates. People who live in big cities tend to have more auto accidents and longer commute times. Less people living in that area means less chance of accidents and lower theft and vandalism rates.

Can a thief steal your car? – Owning a car with advanced anti-theft systems can help lower your rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your vehicle from being stolen.

Get rate quotes but still have a local neighborhood Anchorage car insurance agent

Some consumers would rather visit with an insurance agent. One of the benefits of getting free rate quotes online is the fact that you can find cheap car insurance rates and still buy from a local agent. Buying insurance from small agencies is especially important in Anchorage.

To help locate an agent, after submitting this quick form, your insurance coverage information is sent to insurance agents in Anchorage that can provide free Anchorage auto insurance quotes for your insurance coverage. You don’t have to do any legwork because prices are sent immediately to your email address. It’s the lowest rates and an insurance agent to talk to. If you wish to compare rates for a specific company, feel free to go to their quote page and submit a quote form there.

If you would like to find a local agent, you must know there are a couple types of agencies and how they are slightly different. Insurance agencies in Anchorage can either be exclusive or independent.

Independent Car Insurance Agents

These agents are appointed with more than one company and that gives them the ability to insure with a variety of different insurance companies and find the cheapest car insurance rates. If you want to switch companies, they can switch companies in-house and you don’t have to do anything. If you need lower rates, it’s a good idea to compare prices from several independent agencies for the best price selection. Most can insure with companies that do not advertise much which can be an advantage.

Listed below is a list of independent insurance agencies in Anchorage who may be able to give you free car insurance rate quotes.

• Horace Mann Insurance Co
  7926 Old Seward Hwy – Anchorage, AK 99518 – (907) 561-1393 – View Map
• J C Morris Insurance Services
  4011 Arctic Blvd #105 – Anchorage, AK 99503 – (907) 272-2524 – View Map
• Associated Insurance Services
  7125 Old Seward Hwy #203 – Anchorage, AK 99518 – (907) 349-2229 – View Map

More Anchorage agents

Exclusive Car Insurance Agencies

Agents that elect to be exclusive work for only one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their company’s products which helps them sell on service rather than price. Many people buy insurance from these agents mainly due to the prominence of the brand rather than having low rates.

Shown below are Anchorage exclusive insurance agents who can help you get price quotes.

• Curt Green, Jr. – State Farm Insurance Agent
  836 E 15th Ave #1 – Anchorage, AK 99501 – (907) 272-2812 – View Map
• State Farm Insurance
  Anchorage, AK 99508 – Anchorage, AK 99508 – (907) 333-6575 – View Map
• Gary Annis – State Farm Insurance Agent
  3330 C St #101 – Anchorage, AK 99503 – (907) 563-1960 – View Map

More Anchorage agents

Finding the right insurance agent shouldn’t rely on just the price. The answers to these questions are important, too.

• Will one accident increase rates?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Are there any discounts that you might be missing?
• Do they get extra compensation for selling add-on coverages?
• Did they already check your driving record and credit reports?
• If independent agents, which companies do they recommend?

Best auto insurance in Alaska

Selecting a high-quality car insurance provider can be difficult considering how many companies there are to choose from in Anchorage. The ranking information shown below can help you select which car insurance companies you want to consider when looking for cheaper rates.

Top 10 Anchorage Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. GEICO – 89%
5. The Hartford – 89%
6. The General – 88%
7. 21st Century – 88%
8. Allstate – 88%
9. Liberty Mutual – 88%
10. Esurance – 87%

Top 10 Anchorage Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Progressive
5. The General
6. Allstate
7. American Family
8. AAA Insurance
9. Liberty Mutual
10. Farmers Insurance

Don’t give up on affordable rates

You just read many ways to shop for Dodge Nitro insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even be surprised to find that the lowest priced car insurance comes from a small local company.

Drivers who switch companies do it for a variety of reasons including questionable increases in premium, delays in paying claims, policy cancellation and an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

A few companies may not offer internet price quotes and many times these small insurance companies prefer to sell through local independent agents. More affordable car insurance in Anchorage is possible from both online companies as well as from insurance agents, and you should be comparing both so you have a total pricing picture.

Additional car insurance information can be read at the links below

• Tools for Teen Driving Safety (State Farm)
• How Much is Anchorage Auto Insurance for a Hyundai Elantra? (FAQ)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Property Damage Coverage (Liberty Mutual)
• Your Car has been Stolen: Now What? (Allstate)