Best Jeep Wrangler Insurance in Anchorage

Amazingly, the vast majority of consumers in Alaska kept buying from the same company for four years or more, and almost half have never compared rates to find cheaper insurance. American drivers could pocket up to 47% a year just by comparing rates, but they don’t understand how simple it is to compare rate quotes online.

To save the most money, the best way to find affordable car insurance rates in Anchorage is to start comparing prices regularly from providers who can sell car insurance in Alaska.

1. Read and learn about policy coverages and the things you can change to prevent rate increases. Many things that cause rate increases such as speeding tickets, careless driving and a lousy credit rating can be rectified by making minor changes in your lifestyle. Read the full article for instructions to get cheaper coverage and find discounts that you may qualify for.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while independent agents can provide prices from many different companies. View a list of agents
3. Compare the quotes to your existing policy and determine if there is any savings. If you find a lower rate quote and buy the policy, verify that coverage does not lapse between policies.
4. Tell your current agent or company of your intent to cancel your current policy and submit payment and a signed application to your new insurance company. Once the paperwork is finalized, put the new proof of insurance certificate in an accessible location in your vehicle.

One tip to remember is to use the same deductibles and limits on every price quote and and to get price quotes from as many companies as you can. Doing this ensures a fair rate comparison and maximum price selection.

If you are paying for car insurance now, you stand a good chance to be able to get lower rates using the techniques covered below. The purpose of this article is to tell you how to compare rates easily and also save some money in the process Although Alaska vehicle owners do need to learn how insurance companies calculate your auto insurance rates.

Companies offering competitive Jeep Wrangler price quotes in Anchorage, AK

The auto insurance companies shown below can provide comparison quotes in Alaska. To find cheap car insurance in Alaska, we recommend you click on several of them in order to get a fair rate comparison.

Jeep Wrangler insurance statistics and information

The data table displayed below showcases a range of insurance rates for Jeep Wrangler models. Having insight into how rates are calculated is important for making smart choices when choosing a car insurance company.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can increase or decrease auto insurance rates noticeably.

Where to set your deductibles

When buying auto insurance, a common question is where to set your physical damage deductibles. The rates below can help illustrate the costs and benefits of buying low and high insurance deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle garaging location which can affect auto insurance rates noticeably.

We can derive from the above data that using a $100 deductible will cost you roughly $15 more each month or $180 a year than opting for the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 27 months between claim filings, you would probably save some money if you elect the higher deductible.

The diagram below demonstrates how choosing different deductibles and can influence Jeep Wrangler insurance prices for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Auto insurance premiums based on gender

The diagram below visualizes the comparison of Jeep Wrangler auto insurance rates for male and female drivers. The information is based on no claims or violations, comp and collision included, $250 deductibles, single marital status, and no other discounts are factored in.

Smart Choices Result in Lower Insurance Premiums

The best way to find cheaper insurance is to take a look at a few of the rating criteria that play a part in calculating your policy premiums. When consumers understand what determines base rates, this enables informed choices that may result in big savings. Many factors are taken into consideration when premium rates are determined. Most are fairly basic like your driving record, but other factors are not as apparent like your continuous coverage or how financially stable you are.

The items below are some of the factors used by companies to determine prices.

• High performance equals high premiums – The type of car you need insurance for makes a substantial difference in your premium level. The cheapest insurance rates will normally be found when insuring lower cost passenger models, but the final cost of insurance is determined by many other factors.

  The following chart is based on a single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Jeep Wrangler rates compared to other makes and models that have different risk factors.

• Prevent policy lapses – Not maintaining insurance can get you a ticket and companies may charge more for letting your insurance coverage expire. In addition to paying higher premiums, not being able to provide proof of insurance could result in fines or a revoked license.
• Too many insurance claims and you’ll pay more – Auto insurance companies in Alaska give better rates to people who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.
• Vehicle features impact premiums – Buying a car with anti-theft technology or alarm system can help lower your premiums. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
• Safeguard your assets with liability insurance – A critical coverage on your policy, liability insurance will protect you when you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense to defend your case. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.

• Jeep Wrangler historical loss data – Auto insurance companies take into consideration insurance loss statistics for every vehicle to help determine the rate you pay. Vehicles that historically have higher claim amounts or frequency will have a higher cost to insure. The next table illustrates the collected loss data for Jeep Wrangler vehicles.

  For each coverage category, the loss probability for all vehicles, regardless of make or model, is equal to 100. Values that are under 100 suggest losses that are better than average, while numbers shown that are more than 100 point to more losses or tendency to have higher losses.

  
  

  Jeep Wrangler Insurance Claim Statistics

  Specific Jeep Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Jeep Wrangler 2dr SWB 4WD	54	134	71	57	52	102
  Jeep Wrangler 4dr 4WD	58	151	82	66	62	120

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do you qualify for discounts?

Some companies don’t list all their discounts very well, so the following list contains both the well known and also the more inconspicuous ways to save on auto insurance. If you do not double check each discount you qualify for, you are throwing money away.

• Telematics Discount – Drivers who elect to allow driving data collection to analyze driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
• Home Ownership Discount – Just owning your own home can help you save on auto insurance because it requires a higher level of personal finance.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as Liberty Mutual, Allstate and State Farm will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.
• Military Discounts – Having a deployed family member could qualify you for better prices.
• Safe Driver Discount – Insureds without accidents may receive a discount up to 45% compared to accident prone drivers.
• Discounts for Multiple Vehicles – Having multiple cars on the same auto insurance policy can get a discount on all vehicles.
• Anti-theft System – Vehicles that have factory anti-theft systems help deter theft and will qualify for a discount on a Anchorage car insurance quote.

Consumers should know that some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

The information below shows the comparison of Jeep Wrangler insurance rates with and without discounts applied to the premium. The costs are based on a female driver, no accidents, no driving violations, 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 claim-free, multi-policy, homeowner, safe-driver, marriage, and multi-car discounts applied.

Companies and some of their more popular discounts are included below.

• State Farm offers premium reductions for student away at school, Steer Clear safe driver discount, defensive driving training, driver’s education, accident-free, good student, and anti-theft.
• American Family has discounts for accident-free, good student, TimeAway discount, defensive driver, air bags, early bird, and bundled insurance.
• GEICO may offer discounts for multi-policy, driver training, military active duty, daytime running lights, and defensive driver.
• 21st Century offers discounts including driver training, early bird, student driver, homeowners, good student, and automatic seat belts.
• Progressive may include discounts for continuous coverage, homeowner, online signing, good student, multi-vehicle, online quote discount, and multi-policy.

If you need lower rates, check with every prospective company how you can save money. A few discounts may not apply to policies in your state. If you would like to see a list of companies who offer online Jeep Wrangler insurance quotes in Anchorage, click here to view.

Are insurance agencies obsolete?

Certain consumers still prefer to buy from a licensed agent and often times that is recommended One of the best bonuses of comparing rates online is that drivers can save money and get cheap car insurance rates and still have an agent to talk to. And buying from neighborhood insurance agencies is still important in Anchorage.

To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to companies in Anchorage that can give you free Anchorage car insurance quotes to get your business. You won’t need to visit any agencies due to the fact that quote results will go directly to you. It’s the lowest rates and an insurance agent to talk to. If you wish to get a comparison quote from a particular provider, just go to their quote page to submit a rate quote request.

Below is a short list of car insurance companies in Anchorage willing to provide rate quotes for Jeep Wrangler insurance in Anchorage.

• State Farm: Charity Carmody
  405 W Benson Blvd – Anchorage, AK 99503 – (907) 336-8800 – View Map
• Allstate Insurance: Kelly L. Snodgrass
  9900 Old Seward Hwy #5 – Anchorage, AK 99515 – (907) 346-4006 – View Map
• Curt Green, Jr. – State Farm Insurance Agent
  836 E 15th Ave #1 – Anchorage, AK 99501 – (907) 272-2812 – View Map
• Allstate Insurance: Stan Tebow
  3701 E Tudor Rd Ste 105 – Anchorage, AK 99507 – (907) 562-2645 – View Map

View more Anchorage agents

Choosing the best insurer needs to be determined by more than just a low price. These are some questions your agent should answer.

• Can you get a list of referrals?
• Do they have cheaper tiers of coverage?
• Is working in the agency their full-time job?
• If they are an independent agency in Anchorage, which companies do they recommend?
• How many companies do they write for?
• Is there a Errors and Omissions policy in force?
• Where would your vehicle be repaired?

After receiving answers to your satisfaction to all your questions and a low price estimate, you may have found an insurance company that is reliable enough to service your policy.

Alaska auto insurance companies ranked

Ending up with the highest-rated company can be rather challenging considering how many companies sell coverage in Alaska. The ranking information shown below could help you decide which insurers to look at when shopping around.

Compare. Compare. Compare.

We covered a lot of information how to find cheap Jeep Wrangler insurance in Anchorage. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from some of the smallest insurance companies.

Budget-friendly insurance in Anchorage can be purchased from both online companies as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent insurance agents.

When you buy Anchorage car insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice full coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

Additional information can be read at the links below

• Should I Buy a New or Used Car? (Allstate)
• Who Has Affordable Car Insurance for Welfare Recipients in Anchorage? (FAQ)
• What Car Insurance is Cheapest for Electric Cars in Anchorage? (FAQ)
• Who Has Affordable Car Insurance Quotes for a Ford Explorer in Anchorage? (FAQ)
• What Auto Insurance is Cheapest for Business Use in Anchorage? (FAQ)
• Teen Driver Licensing Information (iihs.org)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Smart Auto Insurance Tips (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)