How-to Guide to Finding the Best Insurance Agent in Fairbanks

Selecting a car insurance company in Fairbanks, AK can be time consuming since there are a lot of options and selecting the best Fairbanks car insurance agent for your needs is harder than just using the same insurance agency as your neighbor. Consumers need a good professional insurance agent, but also the lowest rates for car insurance in Fairbanks.

Drivers have so many insurance agencies to buy insurance from, and although it’s a good thing to have a selection, too many choices makes it more difficult to find a good deal.

Your insurance agent down the street

Good agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing rates online is the fact that you can find the best rates and still choose a local agent.

By using this simple form, your information is immediately sent to participating agents in Fairbanks who will compete for your insurance coverage. There is no reason to leave your computer as quotes are delivered to the email address you provide. How cool is that?!

Choosing an auto insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • If your car is in the repair shop, do you have coverage for a rental car?
  • If they are an independent agency, which companies do they recommend?
  • Which members of your family are coverage by the policy?
  • What are the financial ratings for the companies they represent?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Does the agent have professional designations like CIC, CPCU or AIC?

If you want to view a list of agents in Fairbanks to contact, visit this site.

After getting answers to your satisfaction for all questions you ask and locked in a price quote, you have narrowed it down to an insurance agency that meets your needs to insure your vehicles.

Can I save by buying direct online?

Insurance agencies are indespensible for some people, but Alaska car insurance can also be bought directly from online companies. Some car insurance companies, such as State Farm, Allstate and Farmers, who sell through agents in Fairbanks also allow consumers to buy direct online, so that should be considered.

If you’re apprehensive about not having someone to ask questions when buying online, that shouldn’t be an issue. Online companies that allow you to purchase coverage have customer service departments you can use to get advice on coverages. Additionally, most companies also offer anytime access to help and a customer research section you can access prior to buying.

Do people save by buying online? The answer to that question is complicated because of the fact that insurance companies use many factors that determine the price you pay. It’s a common assumption that shopping online for auto insurance lowers rates due to not having any agent compensation. But truthfully, there are very high advertising costs so there may not be significant savings.

Even more information is located at the Alaska Division of Insurance website. Alaska drivers can find a variety of consumer forms, find out which companies have the most complaints, read industry bulletins, and file complaints about an insurance agent or broker.

The following articles may also be useful.

Fairbanks AK agents

Quote often and quote early

Insureds who switch companies do it for many reasons like extreme rates for teen drivers, poor customer service, high prices and not issuing a premium refund. Regardless of your reason, finding a new car insurance company is easier than you think.

Cheaper car insurance is attainable on the web as well as from independent agents in Fairbanks, so you should compare both in order to have the best chance of saving money. Some car insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.