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Alaska Auto Insurance

Alaska has some of the highest and most strict auto insurance requirements in the United States. This is due, in part, to the cold weather, which creates adverse driving conditions and, thus, more claims. In addition, the cold weather is harder on the cars, and Alaskans have to driver farther, in general, just to meet basic needs. Alaska auto insurance protects both you and the other driver, and without it, you could be facing huge fines…or even worse!

 

Auto Insurance Agents 

Need to find an auto insurance agent in your area? Read more...

 

Comparing Companies and Rates 

When shopping for Alaska auto insurance, it is important to consider many companies and rates. In Alaska, the most popular auto insurance companies (as of 2006) were State Farm, Allstate, Geico, USAA, and Progressive. In this state, you can also find insurance from Government Employees Insurance Co., Safeco, Hartford Insurance, Infinity Insurance, Country Mutual, and Teacher’s Insurance Co. New companies are also opening in Alaska every few years. Read more...

 

Auto Insurance Discounts 

In 2004, Alaska auto insurance premiums cost, on average, over $970 per year. In 2003, that figure was even higher. Historically, Alaska auto insurance is more expensive than auto insurance in the rest of the United States. So, if possible, work toward getting Alaska insurance discounts. Read more...

 

Insurance Requirements 

In Alaska, you are required to hold auto insurance if you have a car registered in your name. In addition, if you are on the road driving someone else’s car, you must have Alaska auto insurance (or insurance from your home state if Alaska is not your permanent residence). Read more...

 

Levels of Auto Insurance 

If you’re looking for Alaska auto insurance, take a moment to peruse your options before simply buying the state minimum. Almost all Alaska auto insurance companies offer a 50/100/25 plan, so if you can’t afford anything else, this is the plan for you. However, if you can afford a better plan, it is often in your best interest to get it. Read more...

 

Risks of Not Having Auto Insurance 

Alaska auto insurance is expensive; so many people choose not to carry it. This is a mistake. If you are pulled over for any reason whatsoever, an office will ask to see your insurance. Motorists who aren’t carrying proof on insurance face additional penalties on top of their Alaska speeding ticket, Alaska DWI/DUI ticket, or whatever the ticket might be. Read more...

 

Types of Coverage 

There are so many options when it comes to Alaska auto insurance that it can be very difficult to understand what you do and do not need. Alaska is a tort state, which means that in every accident, someone is found at fault, and that person’s insurance pays for the damages. In many cases, Alaska auto insurance companies cannot determine a single person at fault. Instead, fault is assigned in percentages. Read more...

 

What Affects Insurance Rates? 

Alaska auto insurance discounts typically help you get a lower rate, but did you know that many policies are based on things you can’t control? Read more...

 

Alaska Motorcycle Insurance

In Alaska, you must also carry Alaska motorcycle insurance if you’re resident of the state with a registered motorcycle or who plans to ride another person’s motorcycle. Motorcycles are considered vehicles, so you’ll find the same 50/100/25 requirements as you do with other modes of transportation on the highway. Read more...

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