Soldotna Auto Insurance Provider Rate Comparisons

To find an insurance agent in Soldotna, AK, it’s recommended you start your research on the web rather than picking up the phone. Consumers need a competent insurance agent, and also the lowest rates for auto insurance in Soldotna.

Companies like GEICO, Progressive and Allstate continually hit you with ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

How to buy auto insurance from an agent in Soldotna

Professional agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing rates online is the fact that you can find the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, your insurance data is submitted to companies in Soldotna who will return price quotes to get your business. You don’t have to drive around as quotes are delivered directly to your email. How’s that for easy!

Selecting an insurance agent needs to be determined by more than just a cheap price. Here are some questions to ask:

  • Did they already check your driving record and credit reports?
  • How are they compensated?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Is their price quote a firm figure or are their hidden costs?
  • What insurance company do they write the most business with?

Captive and independent Soldotna auto insurance agents

If you’re trying to find a reputable insurance agent or broker, you need to know there are two types of insurance agents that you can select. Insurance agencies in Soldotna are categorized either captive or independent. Both write coverage properly, but it’s good to learn how they differ because it can influence your selection of an agent.

Captive Insurance Agents

Captive agencies are contracted to one company and some examples include State Farm, Allstate and AAA. These agents are unable to place coverage with different providers so they have no alternatives for high prices. Captive agencies are trained well on the products they sell and that can be a competitive advantage.

Below is a list of captive agencies in Soldotna who may provide you with rate quotes.

State Farm Insurance – 35202 Kenai Spur Hwy # 1 – Soldotna, AK 99669 – (907) 262-4440

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include price quotes from multiple independent agents to get the best comparison.

Below are Soldotna independent agencies that can give you comparison quotes.

Braunberger Insurance – 35477 Kenai Spur Hwy # 216 – Soldotna, AK 99669 – (907) 262-4992
Country Insurance and Financial – 170 N Birch St # 101 – Soldotna, AK 99669 – (907) 262-4231

To view a complete directory of licensed insurance agents in Soldotna, please go to this site.

Upon receiving positive feedback for all questions you ask and an acceptable price quote, it’s possible that you found an auto insurance agent that is a good match to insure your vehicles.

But what about online car insurance?

Car insurance agents are a valuable resource, but you can also find affordable Alaska auto insurance from online companies direct. Certain auto insurance companies, such as State Farm, Allstate and Farmers, who have local Soldotna agents also allow consumers to buy direct on their websites, and that is helpful if you prefer to buy online.

If you’re uncomfortable with not having someone to ask questions when shopping online, this is normal but is quickly overcome. Insurance companies all have client service departments to answer your questions.

Can buying online lower your premiums? Many people think so, but it’s hard to say for sure because there are so many things that are calculated into your premium. It’s logical to say that a customer who purchases direcly from an online company saves money because there is no commission. But in most cases, there are high advertising and marketing costs and that impacts the rates consumers pay.

More resources for learning

More detailed Alaska auto insurance information can be found at the Alaska Division of Insurance website. Consumers can find a variety of consumer forms, read enforcement actions against agents and companies, discover disciplinary actions, and get help finding coverage.

More related Soldotna auto insurance information:

In conclusion

When shopping online for auto insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Budget-conscious auto insurance is attainable from both online companies in addition to many Soldotna insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers sell through independent agents.