Comparing car insurance rates in Kenai can be a lot of work since you have many choices and finding the best Alaska car insurance agent is not as easy as just using the same auto insurance agent as your neighbor. We’re guessing that not only do you want a good professional insurance agent, but you also want to find the lowest possible price.
With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, it’s difficult to determine which will provide the best service and rates. Thankfully, consumers can use online price quotes to get a list of agents to choose from.
Online quotes with a local Kenai insurance agent
Professional agents can help determine the best coverages and help submit paperwork. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to. Buying from local businesses is important especially in Kenai.
After filling out this quick form, the quote information is emailed to companies in Kenai who will return price quotes for your coverage. You never need to leave your house as quotes are delivered directly to your email. It doesn’t get any easier! You can find better rates and work with a local agent.
Two types of Kenai insurance agents
When searching for local Kenai agents, there are two different agency structures that differ in how they can insure your vehicles. Kenai agents are categorized either independent or captive.
Independent Insurance Agents
Independent agents do not work for one specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When shopping rates, we recommend you contact multiple independent agents to get the best comparison.
Below are independent insurance agents in Kenai who may be able to give you rate quotes.
Horace Mann Insurance Co – 1314 Kiana Ln – Kenai, AK 99611 – (907) 335-0085
Brown Agency – 110 S Willow St # 106 – Kenai, AK 99611 – (907) 283-7834
Last Frontier Insurance – 10543 Kenai Spur Hwy # A – Kenai, AK 99611 – (907) 283-7591
Agency Captives
Captive agents work for only one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents.
Deciding on an insurance agent shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:
- How many years of experience in personal lines insurance coverages do they have?
- What will you get paid if your car is a total loss? How is that amount determined?
- If they are an independent agency, which companies do they recommend?
- Does the agency provide any after hours assistance?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they make recommendations based only on price?
After receiving good answers to any questions you have and a low price estimate, chances are good that you have found a car insurance agent that is a good match to properly service your car insurance policy.
Can you find lower rates by buying online?
Auto insurance agents are a valuable resource, but Alaska consumers also have the option to buy from online companies direct. A few companies who have local Kenai agents also give you the option to buy direct online, and consumers should do that if the lowest rate is your goal.
If you’re concerned about selecting your own policy coverages when buying car insurance direct, that shouldn’t be an issue. All companies all have toll-free customer service you can use to get advice on coverages.
Will auto insurance cost less online? It’s difficult to provide an answer because of the number of factors that influence how your policy is priced. Some people think that buying directly from the company saves the commission normally paid to an agent. In reality, online and traditional media advertising are expensive so this can offset any savings.
Quote more, save more
When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. Too many times, someone dropped comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage at the best price while not skimping on critical coverages.
The cheapest car insurance can be purchased on the web and with local Kenai insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.
Additional information can be found on the website for the Alaska Division of Insurance. Click here for link. Consumers can get help finding coverage, view agent and company licensing information, and learn about specific coverages.
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