Alaska is one of the coldest states in the U.S. to live in with temperatures reaching -30 degrees below zero in the winter months. Most of the year in Alaska can be characterized by cold temperatures and chilly driving conditions for residents. Due to the fact that cold weather can cause all kinds of problems for vehicles, it is important to make sure that you have purchased adequate auto insurance coverage.
Alaska Car Insurance Requirements (50/100/25)
1. $50000 bodily injury insurance (per person)
2. $100000 bodily injury insurance (per accident)
3. $25000 property damage insurance (per accident)
As you can see, the AK car insurance requirements are more substantial than most other states. The state of Alaska wants to make sure that all of its residents have adequate insurance policies so that they can afford all damages that occur as the result of an accident. They place a great emphasis on having enough bodily injury insurance per accident requiring $100000 worth.
If you do not yet have adequate car insurance in Alaska, where can you get a quote so that you can compare companies and pricing options? Well, you can start by entering your zip code in the form at the top of the page and click start to see the recommended top companies. The recommendations are based on amount you can save and which companies most people have had success with as far as savings are concerned.
What is the average monthly car insurance cost in Alaska?
The average monthly cost for auto insurance in Alaska is roughly $86 per month. If you are paying more than that price, you probably will want to look for a lower cost provider. Keep in mind that Alaska is a state in which more coverage is required, which is why their price per month is higher than many states. In fact, they are ranked among the top 10 most expensive states to insure your vehicle.
Should you buy more than the minimal insurance required in Alaska?
Base your decision on personal preference
Many Alaska residents are comfortable with the minimal amount of auto insurance based on the fact that the monthly rate is greater and on the fact that the minimal coverage is significantly more than most states. For many individuals, having a 50/100/25 policy is more than enough coverage, however, you need to also assess your individual situation and think about whether you need any comprehensive insurance or would feel more comfortable with additional coverage. In most other states, it is recommended to purchase extra coverage, but in Alaska it basically comes down to personal preference and what makes you feel more comfortable as a driver.
How to Compare Insurance Providers in Alaska
Keep in mind when looking for an insurance policy that there are many different insurance providers. Most would agree that the top rated insurers with quality reputations are: Geico, Progressive, and AllState. With that said, you should enter your zip code at the top of the page and check who is offering the best rates based on your location. Don’t be afraid to investigate the smaller local insurance companies if you aren’t finding a good deal through a mainstream provider.
Alaskan Drivers: Selecting a Top Insurer for your Vehicle
When it comes to choosing an insurance company for your vehicle in Alaska, there are some factors that you should keep in mind. Some things to look for in a policy include:
- Ability to process and deal with claims
- Friendly and receptive customer service
- Valuable coverage for your money
- Solid customer reviews and reputation
Always ask about potential discounts
It’s pretty easy to save some extra money on your auto insurance in the state of AK. What can you do if you haven’t gotten any additional discounts or savings on your insurance policy in the past? Simply ask and talk to an insurance representative. Most reps will be able to give you a list of all the ways in which you can save. Common things insurers allow people to save money for include:
- Driving a vehicle with good crash safety ratings
- Avoiding traffic violations and accidents (e.g. no claims bonus)
- Practicing safe driving habits
- Customer loyalty (sticking with a certain insurer for years)
- Keeping a high grade-point-average (GPA) for students
- Installing extra security devices on your vehicle
Alaska Car Insurance Quotes Comparison
Whenever you are looking to get AK auto insurance quotes, you will want to make sure that you do an accurate comparison. It’s pretty easy to get started if you use the zip code form that we provide at the top of the page. When the results show up, you can investigate each individual company to find out more about policies and costs. Comparison shopping has always been the best known method of getting a the best deal on your insurance, so make sure that you compare multiple companies so that you don’t end up missing out on a better deal.