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.

In addition to bodily injury and property damage, you can also purchase Alaska auto insurance to cover things like uninsured motorists and damages caused by things like vandalism, floods, fires, and so forth (things out of your control). One of your most important choices, however, is not about the different kinds of Alaska auto insurance to buy, but rather about the level of insurance you need.

At the basic level, you’ll be covered if you cause a minor accident. 50/100/25 means that if you cause an accident, and another person is injured, your insurance will pay up to $50,000 of their medical bills (for a single person). They’ll pay a total of $100,000 in medical bills and lost wages for everyone involved in the accident. They’ll also pay up to $25,000 per accident to cover property you’ve damaged. This includes vehicles, natural parts of the environment, road signs, fences and other property markers, buildings, and so forth. Any inanimate object you damage in an accident can be covered by this $25,000.