A recent auto insurance study discovered that most drivers kept their coverage with the same auto insurance company for at least four years, and nearly the majority have never quoted rates to find cheap coverage. Many consumers in Alaska could cut their rates by roughly $370 a year by just comparing quotes, but they don’t understand how simple it is to do a rate comparison.
If saving money is your primary concern, then the best way to get more affordable car insurance rates is to compare prices regularly from companies that insure vehicles in Anchorage. You can shop around by following these steps.
First, spend a few minutes and learn about what coverages are included in your policy and the measures you can control to prevent rate increases. Many risk factors that increase rates such as accidents, traffic violations, and poor credit history can be improved by paying attention to minor details.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can give you price quotes for a wide range of companies.
Third, compare the new rates to your existing coverage to see if you can save by switching companies. If you find a lower rate, make sure coverage is continuous and does not lapse.
Fourth, provide notification to your current agent or company of your intent to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to your new insurance company. Once the application is submitted, put the new certificate of insurance in an easily accessible location.
A valuable tip to remember is that you use identical coverages on each quote and and to get price estimates from as many companies as feasibly possible. Doing this guarantees a level playing field and a thorough price selection.
The quickest way to compare policy rates for Kia Sportage insurance in Anchorage is to know the fact most larger insurance companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is give them rating details including whether you are married, driver details, how much education you have, and your job. That rating information is instantly sent to multiple top-rated companies and they respond with quotes with very little delay.
If you wish to get multiple quotes for your car now, click here and enter your coverage details.
The companies in the list below can provide price quotes in Anchorage, AK. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.
Kia Sportage insurance discounts in Anchorage
Some providers do not advertise every available discount very clearly, so we took the time to find both the well known and also the lesser-known discounts that you can inquire about if you buy Anchorage auto insurance online.
- Driver Training Discounts – Passing a course in driver safety could save 5% or more and easily recoup the cost of the course.
- Low Mileage – Keeping the miles down on your Kia may allow you to get discounted rates on garaged vehicles.
- Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may get savings of 20% or more.
- Resident Student – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle could qualify for this discount.
- Student Discounts – Getting good grades can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
- Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of 10% to 20% off each policy.
- Active Service Discounts – Having an actively deployed family member could qualify you for better prices.
- Payment Method – By making one initial payment instead of making monthly payments you could save 5% or more.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and therefore earn up to a 10% discount.
- Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts can save a little off the PIP or medical payment premium.
Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.
The illustration below shows the difference between Kia Sportage yearly insurance costs with and without some available policy discounts. The prices are based on a male driver, no accidents, no driving violations, Alaska state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, multi-policy, marriage, and claim-free discounts applied.
Auto insurance companies that may offer quotes with these discounts include:
Before you buy a policy, ask all the companies the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to choose from a list of insurance companies who offer online Kia Sportage insurance quotes in Alaska, follow this link.
Rates and statistics
The coverage information below outlines different insurance coverage prices for Kia Sportage models. Having a better idea how car insurance prices are formulated can assist in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $146 | $270 | $330 | $20 | $98 | $864 | $72 |
| Sportage LX 2WD 4-Dr | $146 | $270 | $330 | $20 | $98 | $864 | $72 |
| Sportage EX 2WD 4-Dr | $168 | $328 | $330 | $20 | $98 | $944 | $79 |
| Sportage LX 4WD 4-Dr | $168 | $328 | $330 | $20 | $98 | $944 | $79 |
| Sportage LX | $168 | $328 | $330 | $20 | $98 | $944 | $79 |
| Sportage EX 4WD 4-Dr | $168 | $328 | $330 | $20 | $98 | $944 | $79 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in specific location which can decrease or increase premiums substantially.
Bad driving habits will cost you more
The chart below highlights how traffic violations and at-fault collisions can increase Kia Sportage auto insurance rates for different insured age categories. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Smart Buyers Save More
A large part of saving on insurance is knowing the factors that help determine your policy premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could result in much lower annual insurance costs.
- Good credit saves on insurance – Having a bad credit score can be an important factor in determining premium rates. Drivers with excellent credit scores tend to be better risks to insure than drivers with lower ratings. If your credit score is not that good, you may save money insuring your Kia Sportage by taking the time to improve your credit score.
- Discounts for married drivers – Being married can get you a discount when shopping for insurance. Marriage generally demonstrates drivers are more mature it has been statistically shown that drivers who are married are more cautious.
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Male costs may be higher – Statistics show females are less aggressive when driving. However, this does not mean females are better drivers. Males and females cause fender benders in similar numbers, but males have accidents that have higher claims. Men also statistically get ticketed for serious violations like driving under the influence (DUI). Males from age 16 to 21 have the highest risk to insure and are penalized with high insurance rates.
The illustration below compares Kia Sportage car insurance costs for male and female drivers. Data assumes no violations or claims, full coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.
- A coverage lapse can increase premiums – Driving your car without having proper coverage is not a good idea and you will pay a penalty because you let your insurance expire. In addition to paying higher premiums, not being able to provide proof of insurance will get you a license revocation or jail time.
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Kia Sportage insurance loss probability – Insurers include the past claim trends for vehicles when setting rates for each model. Models that statistically have higher number or severity of losses will have a higher premium rate. The table shown below demonstrates the compiled insurance loss statistics for Kia Sportage vehicles.
For each coverage category, the claim amount for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers under 100 represent a good loss history, while values over 100 indicate more frequent claims or tendency to have higher losses.
Kia Sportage Insurance Loss Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Kia Sportage 4dr 2WD 82 100 66 113 127 109 Kia Sportage 4dr 4WD 90 100 83 116 108 101 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Local Anchorage insurance agents
Certain consumers still prefer to visit with an insurance agent and that is OK! One of the great benefits of comparing rates online is the fact that you can find lower rates but still work with a licensed agent. Buying insurance from neighborhood insurance agencies is still important in Anchorage.
To find an agent, once you fill out this short form, the quote information is sent to local insurance agents who will gladly provide quotes to get your business. You won’t need to find an agent because prices are sent to you directly. You can find better rates without a big time investment. If you wish to quote rates for a specific company, feel free to navigate to their website and submit a quote form there.
When looking for local Anchorage agents, you must know there are a couple different types of agencies and how they can quote your rates. Car insurance agencies are categorized either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Agents that choose to be independent do not work for one specific company and that is an advantage because they can write policies with multiple insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally which is easy for the insured. When comparing car insurance prices, you definitely need to get quotes from at least one independent agent to get the best comparison. They often place coverage with different regional companies which can save you money.
Shown below is a short list of independent agencies in Anchorage that can possibly get you price quote information.
- Dewar Insurance Agency
205 E Benson Blvd – Anchorage, AK 99503 – (907) 258-8888 – View Map - Associated Insurance Services
7125 Old Seward Hwy #203 – Anchorage, AK 99518 – (907) 349-2229 – View Map - Safeco Insurance
500 W 36th Ave #210 – Anchorage, AK 99503 – (907) 770-2400 – View Map
Exclusive Agencies
Agents of this type can only write with one company such as American Family, State Farm, and Allstate. These agents are unable to provide other company’s prices so you might not find the best rates. Exclusive insurance agents receive a lot of sales training on their company’s products which helps them compete with independent agents. Some insured continue to choose to use an exclusive agent partially due to the brand name and strong financial ratings.
Below is a short list of exclusive insurance agencies in Anchorage willing to provide price quotes.
- 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 - Tim Graham – State Farm Insurance Agent
1417 W Northern Lights Blvd A – Anchorage, AK 99503 – (907) 561-4000 – View Map
Selecting an auto insurance agent needs to be determined by more than just the bottom line cost. Any good agent in Anchorage should know the answers to these questions.
- How will an accident affect your rates?
- By raising physical damage deductibles, how much would you save?
- Which family members are covered?
- Are you getting all the discounts the company offers?
- Is coverage determined by price?
- Is the agent CPCU or CIC certified?
- Where would glass claims be handled in Anchorage?
In the end, you can save money
You just read a lot of tips how to shop for Kia Sportage insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding cheaper Anchorage auto insurance quotes. Consumers may even find the lowest priced car insurance comes from a small mutual company.
When shopping online for car insurance, you should never reduce coverage to reduce premium. There have been many situations where an accident victim reduced full coverage only to regret that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.
Drivers who switch companies do it for any number of reasons including high prices, high rates after DUI convictions, questionable increases in premium or unfair underwriting practices. Regardless of your reason, finding a new company is actually quite simple.
More learning opportunities
- Determining Auto Insurance Rates (GEICO)
- Auto Crash Statistics (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)