Jaguar XK Insurance Rate Quotes in Anchorage

If you want to find the absolute lowest rates, then the best way to get the cheapest auto insurance rates in Anchorage is to regularly compare quotes from insurance carriers that insure vehicles in Alaska.

• First, get an understanding of what coverages are included in your policy and the factors you can control to prevent high rates. Many policy risk factors that result in higher rates like distracted driving and a poor credit score can be eliminated by paying attention to minor details.
• Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Allstate, while independent agencies can provide prices from multiple sources.
• Third, compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate, make sure coverage does not lapse between policies.
• Fourth, tell your current agent or company of your decision to cancel your current coverage. Submit the required down payment along with the signed application to your new company or agent. As soon as you have the new policy, place your new proof of insurance certificate along with your vehicle registration.

The key aspect of shopping around is to make sure you’re comparing the same coverage limits and deductibles on every quote request and and to get quotes from every insurance company. Doing this provides the most accurate price comparison and a complete selection of prices.

Smart shoppers know that car insurance companies don’t want you comparing rates. Consumers who shop for lower prices are likely to buy a new policy because they have good chances of finding a lower-cost company. A recent auto insurance study revealed that people who shopped around annually saved about $3,450 over four years compared to policyholders who didn’t regularly shop around.

If saving money on car insurance in Anchorage is why you’re here, knowing the best ways to shop for coverages can make it easier to shop your coverage around.

Shopping for affordable insurance policy in Anchorage is not as hard as you may think. If you have insurance now or want to find a cheaper company, use these techniques to save money and still get good coverage. Shoppers just have to know the proper way to shop from many different companies online.

Lowering your Jaguar XK insurance rates can be quick and easy. You just have to invest a little time comparing free Anchorage car insurance quotes to discover which company has affordable Anchorage car insurance quotes.

The following companies are our best choices to provide free rate quotes in Anchorage, AK. If you wish to find cheaper car insurance in AK, we recommend you get prices from several of them in order to get a fair rate comparison.

Insurance coverage details

The table displayed next highlights a range of prices for Jaguar XK models. Learning how policy premiums are determined can assist in making smart buying decisions.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in vehicle location which can alter premiums noticeably.

Rate comparison for different deductibles

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The comparisons below may help to conceptualize the costs and benefits of buying low and high coverage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in zip code location which can change coverage rates significantly.

We can derive from the above data that using a $250 deductible costs an average of $35 more each month or $420 annually than selecting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claims, you would probably come out ahead by going with a higher deductible.

Insurance premiums for males and females

The information below shows the difference between Jaguar XK yearly insurance costs for male and female drivers. The price estimates are based on no claims or driving violations, full coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Should you buy full coverage?

The example below shows the comparison of Jaguar XK insurance costs with and without physical damage coverage. Data assumes no accidents, no driving violations, $100 deductibles, single marital status, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no clear-cut rule to delete full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s assume your Jaguar XK replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying in excess of $300 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where only buying liability is not recommended. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Local Anchorage insurance agencies

Some consumers still like to visit with an insurance agent and that is OK! Agents are highly skilled in risk management and help submit paperwork. A good thing about getting online price quotes is you may find cheap auto insurance quotes and also buy local. And supporting local agencies is important particularly in Anchorage.

After filling out this form (opens in new window), your coverage information is sent to companies in Anchorage who will give you quotes for your auto insurance coverage. It’s much easier because you don’t need to visit any agencies because prices are sent instantly to you. In the event you want to get a rate quote for a specific company, feel free to find their quoting web page and fill out their quote form.

Auto insurance agents in Anchorage come in two varieties

If you are wanting to find a good insurance agency, you must know there are a couple different types of agencies that differ in how they can insure your vehicles. Anchorage agents are either exclusive or independent. Either one can write auto insurance policies, but it’s important to point out how they are different since it can impact which type of agent you select.

Independent Agents (or Brokers)

Independent agents are not restricted to one company so as a result can place your coverage amongst many companies and find you cheaper rates. To move your coverage to a new company, your policy is moved internally and you stay with the same agent.

If you are trying to find cheaper rates, you will definitely want to compare prices from at a minimum one independent agency to ensure the widest selection of prices. They also have the ability to place coverage with different regional companies which may provide better rates.

Below are independent agencies in Anchorage that may be able to give you free auto insurance rate quotes.

• Denali Alaskan Insurance LLC
  440 E 36th Ave #300 – Anchorage, AK 99503 – (907) 257-1625 – View Map
• J C Morris Insurance Services
  4011 Arctic Blvd #105 – Anchorage, AK 99503 – (907) 272-2524 – View Map
• Randall Moss Insurance
  2960 C St #200 – Anchorage, AK 99503 – (907) 562-6224 – View Map

More Anchorage agents

Exclusive Auto Insurance Agents

Exclusive insurance agents can usually just insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide other company’s prices so they really need to provide good service. They receive a lot of sales training in insurance sales which helps overcome the inability to quote other rates. Some consumers prefer to buy insurance from these agents partially due to the prominent brand name rather than low price.

The following are exclusive agents in Anchorage that can give you price quotes.

• Tim Graham – State Farm Insurance Agent
  1417 W Northern Lights Blvd A – Anchorage, AK 99503 – (907) 561-4000 – View Map
• State Farm: Charity Carmody
  405 W Benson Blvd – Anchorage, AK 99503 – (907) 336-8800 – View Map
• State Farm Insurance – Justin Goodman
  4200 Old Seward Hwy – Anchorage, AK 99503 – (907) 561-7771 – View Map

More Anchorage agents

Deciding on a insurance agent should depend on more than just a cheap price. Any agent in Anchorage should be willing to answer these questions.

• Do the agents have professional certifications like CPCU or CIC?
• Who is covered by the car insurance policy?
• Do they get extra compensation for selling add-on coverages?
• Which insurance company do they prefer to write with?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does the agency have a positive business rating?
• How often do they review policy coverages?