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Alabama Car Insurance

Alaska car insurance must be carried if you have an automobile on the road in the state of Alaska. Auto insurance is something that most people are familiar with, but there are many aspects of it that are changing and are little known. By taking the time to learn more about Alaska car insurance before you buy, you will be equipped to make the best decision.

How Your Car Affects Your Alaska Car Insurance

Before you buy your next vehicle, it would help greatly if you knew a little about how your choice of car can impact the cost of your Alaska car insurance. Several things about your car can make a difference to how much you will pay for insurance premiums yearly.

  1. Make and model of the car: Sports cars and SUVs are much more expensive to insure than sedans and economy cars.
  2. Standard equipment: If your vehicle is equipped with safety devices like anti-lock brakes, air bags and anti-theft devices, you will get a break on your rates.
  3. Vehicle rating: How your car ranks in comparison to others in regards to safety, protection, incidence of theft and other things insurers look at to rate your vehicle.

Alaska Car Insurance Discounts

Every automobile insurance company in AK is looking to set itself apart from the crowd. Since coverage is basically the same from company to company, one of the ways they make themselves stand out is through the use of discounts. So when you are looking for insurance be sure to ask your agent if you have all the discounts you qualify for. Some discounts include:

  1. Good driver
  2. Good student
  3. All drivers over 55
  4. Safety devices installed on the car
  5. Anti-theft devices on the car
  6. Economy car
  7. Low mileage
  8. All drivers over a certain age

Alaska Auto Insurance Minimums

Alaska has the highest minimum state required limits for bodily injury and property damage liability in the entire country. They are also the most realistic limits, likely to cover even serious accidents. Experts believe that more states should require limits to be at the Alaskan levels. They are referred to as 50/100/25.

  • $50,000 bodily injury coverage per person hurt in an accident
  • $100,000 bodily injury coverage in total per accident
  • $25,000 property damage coverage per accident

The liability coverage discussed above is required for every vehicle on the road. However, if you have a car loan on your vehicle, your lienholder will also require you to carry collision and comprehensive coverage, to protect their investment. These 2 types of coverage pay for the repair or replacement of your vehicle if it is damaged in an at-fault accident or through a named peril.

Alaska Car Insurance Optional Coverage

There are several other types of coverage, which are worth checking out. They include: 

  1. Uninsured or Underinsured Motorist Coverage: This will help to cover your bodily injury damage or property damage if you are involved in an accident where the at-fault person is uninsured or underinsured. In Alaska, you must be offered this type of coverage when you apply for car insurance.
  2. Medical Payments: This covers the medical costs of you or others in your vehicle if they are hurt in an accident, regardless of who’s at fault. It is much faster and also covers pedestrian-vehicle accidents.
  3. Rental Reimbursement Coverage: This covers a portion of the cost of renting a vehicle if yours is undriveable because of a named peril.
  4. Towing and Labor Coverage: This covers a portion of the cost of having your vehicle towed or labor costs to make it run.

Alaska Car Insurance Companies

These are some of the top Alaska car insurance companies:

  • State Farm
  • All State
  • Progressive
  • USAA
  • Hartford
  • Infinity
  • Teachers

Get Your Alaska Car Insurance Quotes Online Now!

You can get a quick and easy Alaska car insurance quote now by using our convenient and efficient quote tool at the top of this page. By answering a set of questions about you, the other drivers in your home, and your vehicle you will get multiple quotes from top area insurers. To get started with your Alaska auto insurance quote now, simply return to the box above and enter your zip code!

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