How to Find Cheaper Auto Insurance in Alaska?

Answer 1

Auto insurance rates have started to go down in the recent years, however, it is still the most expensive state to purchase the insurance. There are still a few methods on how to find cheaper auto insurance in Alaska.

Alcoholism is an unfortunate problem in this Last Frontier of our 50 states. This is just one factor that keeps the insurance rates higher than other states. Another factor, which is quite obvious, is the inclement weather that Alaskans need to deal with while driving their cars. This weather can lead to more accidents and if the driver is under the influence while driving in adverse weather, accidents are even more than likely to happen. These are the factors which make it more difficult to find cheap auto insurance in Alaska.

Even the cheapest possible auto insurance in Alaska is still higher than the cheapest rates in the other states. The distance between the communities that have an auto shop or a hospital is greater than the lower 48 which makes it cost more to transport the damaged vehicles and hurt drivers to the closest facility available. This all adds up to a higher auto insurance rate for Alaskan drivers.

The two cities of Fairbanks and Anchorage are most likely to have more incidents of auto theft than the other districts of Alaska. For those people residing in those cities the auto insurance will be higher. However, there are still ways to offset the higher rates. For those with good or excellent credit scores, there will be more availability too purchase cheaper auto insurance that offers good coverage.

A good driving history and license status is another way to acquire cheaper auto insurance. Age, sex and marriage are also factors that contribute to the cost of car insurance. An older, female driver who is married will have an easier chance to purchase cheaper auto insurance in Alaska than her opposite.

Another way to determine insurance rates is the vehicle usage. The more it is driver, the higher the insurance rates. Also, the make, model and year of the vehicle will factor into the cost. The newer models will have more safety devices which will bring down the insurance rates.