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Alaska Auto Insurance Quotes

Are you looking for an auto insurance policy that provides you the right kind of coverage in compliance to the state laws of Alaska and is also within the limits of your budget? You can review dozens of auto insurance quotes offered by licensed and reputed auto insurance providers and compare them simultaneously to take a call. However, before choosing a particular auto insurance coverage, you should also try and understand the minimum coverage requirements of the state, so that your policy limits are compliant with the law and you don't have to end up paying penalties for not owning the right coverage.

Alaska Auto Insurance Minimums

Alaska requires all motorists to maintain liability insurance coverage on their vehicles.? The liability minimums in Alaska are $50,000 for bodily injury for one person injured in an accident, $100,000 for all bodily injuries in one accident, and $25,000 for property damage.? If motorists want to purchase additional coverage, they can increase these coverage amounts or purchase additional coverage in the form of collision, uninsured motorist, and underinsured motorist coverage.

Alaska Auto Insurance Laws

Some states are known as no-fault states, where your insurance company must pay for your medical expenses regardless of whose fault an accident is.? Alaska is not a no-fault state, so drivers would do well to purchase coverage for accidents with underinsured and uninsured motorists.? This type of coverage will ensure that your expenses are paid even if you get into an accident with a driver who does not carry the required auto insurance minimums or has only the very minimum coverage amounts required by law.? Alaska also does not require personal injury protection, so motorists do not have to spend additional money on this type of coverage.

Alaska Insurance Exemption

In some areas of Alaska, vehicle registration is not required.? This means that auto insurance is not required in these areas.? The exception is if someone has accumulated violations worth 6 points or more within a 5-year period.? In this case, the person must obtain liability insurance.? Areas that are exempt from registration and insurance requirements include Adak, Beaver, Bell Island Hot Springs, Chisana, Egegik, False Pass, and Iditarod.

Alaska Proof of Insurance

Alaska auto insurance law requires that all drivers have proof of insurance with them whenever they are driving.? If proof of insurance is not present when a police officer or Department of Public Safety representative asks for it, your vehicle may be impounded.? If your vehicle is impounded, you must contact the Anchorage Police Department to find out how to get it back.

Alaska Penalties for Lack of Insurance

Failure to maintain proper levels of insurance coverage is against the law in Alaska.? If you are found to not have coverage, or to not have enough coverage, your driver's license may be suspended.?

Factors Affecting Alaska Auto Insurance

There are several factors on which the auto insurance cost in Alaska varies. This is the reason why the amounts quoted in free auto insurance quotes differ between one individual and another. The speed limits within the city and on the highways are 55 and 65 respectively. Other factors like percentage limit of alcohol in blood could become significant too. Although there isn't a ban on using handheld cell phones while driving, car owners are usually requested to be careful and responsible while driving. Drivers' license is usually suspended after the first offence for DUI, although it is possible to restore them within 30 days under special circumstances.

Alaska Auto Insurance Statistics

It is interesting to note that the auto insurance rates for Alaska are generally higher compared to the nationwide average. In fact, in 2008, the auto insurance cost per citizen almost touched $1000. The collision cost is around $400 while the liability cost is around $600. The cost of auto insurance in Alaska is just outside the top 10 states in the country, meaning that more than 35 states in the country have a lower cost of auto insurance than in Alaska.

Additional insurance

Although not mandated by law, car owners would do well to purchase uninsured motorist auto insurance as that will mean greater protection for the car owner. Similarly, comprehensive and collision insurance, combined together as full coverage could be purchased at cheaper prices, especially if you take the policy from the same insurance provider from whom other family members of yours have purchased their policies. In fact, by clubbing your house or health insurance, you can further lower the Alaska auto insurance coverage cost thereby saving a lot. It is important that you have proof of insurance on your person at all times while driving on the roads of Alaska.

Factors Affecting Alaska Auto Insurance

There are several factors on which the auto insurance cost in Alaska varies. This is the reason why the amounts quoted in free auto insurance quotes differ between one individual and another. The speed limits within the city and on the highways are 55 and 65 respectively. Other factors like percentage limit of alcohol in blood could become significant too. Although there isn't a ban on using handheld cell phones while driving, car owners are usually requested to be careful and responsible while driving. Drivers' license is usually suspended after the first offence for DUI, although it is possible to restore them within 30 days under special circumstances.

Alaska Auto Insurance Statistics

It is interesting to note that the auto insurance rates for Alaska are generally higher compared to the nationwide average. In fact, in 2008, the auto insurance cost per citizen almost touched $1000. The collision cost is around $400 while the liability cost is around $600. The cost of auto insurance in Alaska is just outside the top 10 states in the country, meaning that more than 35 states in the country have a lower cost of auto insurance than in Alaska.

Additional insurance

Although not mandated by law, car owners would do well to purchase uninsured motorist auto insurance as that will mean greater protection for the car owner. Similarly, comprehensive and collision insurance, combined together as full coverage could be purchased at cheaper prices, especially if you take the policy from the same insurance provider from whom other family members of yours have purchased their policies. In fact, by clubbing your house or health insurance, you can further lower the Alaska auto insurance coverage cost thereby saving a lot. It is important that you have proof of insurance on your person at all times while driving on the roads of Alaska.

Tips for getting cheap auto insurance

If you are one of those who are not obsessed about privacy, you can take up the latest offers from several auto insurance providers. A gadget is installed in the vehicle to measure the mileage as well as observe the driving patterns of the individual. This is to benefit those who don't drive too often and hence are less at risk of being involved in accidents and later making claims. Auto insurance providers offer hefty discounts up to 25% of the premium for such drivers. A similar option is available to teens as well, who are considered to be amongst the highest risk groups because of their over indulging in texting while driving and the distraction due to their friends in the car. Those who agree to install circuit cameras that can be monitored by parents can benefit from discounts offered by insurance providers. Options like these benefit those who are looking to cut down on their auto insurance costs and are not worried to give up some of their privacy for the same. These incentives also ensure that car drivers, be it teens or middle aged men, don't give in to the temptations of reckless and irresponsible driving.

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