As you probably already know, Alaska does not have many roads, but since there is ice and snow to contend with most of the year and much wildlife on the roadways, residents do need good car insurance coverage.  With this in mind, learning the basics of insurance in Alaska and the different types of coverage will be a big advantage to you when you start shopping around for a cheap car insurance policy.

Facts about Alaska Car Insurance

Since passengers are not prohibited from having open alcohol containers and there is no statewide ban on cell phone use by drivers, Alaska is one of the most expensive states for car insurance premium rates because of these perceived high risks.  Weather conditions are another contributing factor to higher car insurance rates in this state.

These factors are the very reason residents of Alaska paid an average of $2,200 for car insurance in 2009 when the national average was only $1,700!  This also explains why all auto insurance companies in Alaska have “the higher the risk, the higher the rate” policy.

What’s Required of Alaska Motorists?

Alaska requires all motorists to carry liability insurance.  The basic coverage, which is often referred to as 50/100/25, must be a minimum of $50,000 Bodily Injury or Death per person, $100,000 Bodily Injury or Death per accident and $25,000 Property Damage per occurrence.  Other types or higher amounts of coverage are optional.  Also, lenders may require additional limits on financed vehicles.

Drivers in Alaska are not required by law to carry uninsured/underinsured motorist coverage. However, drivers should be knowledgeable about this type of coverage to see if it would be profitable for them.

A Tort system is followed in Alaska, which means that someone involved in an accident is liable if found at fault.  That person, along with their insurance company, is responsible for the costs of the damages involved.  Since this system varies from state to state, learn more about the requirements before your move to Alaska.

Finding the Best Alaska Car Insurance Quote

Searching online for Alaska car insurance quotes is a major step for acquiring cheap car insurance.  With only a few simple steps on your computer, you will have the opportunity to compare multiple insurance companies, search for the best deal and find the necessary coverage for your needs.

Find the cheapest car insurance rate by running a search through your browser for comparison sites.  Enter your information and the type of coverage you are seeking.  Be sure to fill in all required information and possible discounts so you will get the best rate for your Alaska car insurance.  When comparing auto insurance quotes, a few important factors to consider are the provider’s reputation, customer service, financial stability, claims handling, licensing and last but not least, rate quotes.

Cheap Auto Insurance Discounts

Most companies today offer car insurance discounts, but it is important that you understand the different types available with each package and your eligibility.  You should take advantage of all the discounts possible to save on your auto insurance.  You can get discounts for adding safety features such as airbags, anti-lock brakes, an anti-theft device and automatic seat belts, enrolling in a defensive driving class, keeping a clean driving record, or putting your multiple vehicles on the same policy.

You can also get discounts on your car insurance if you are in the military or happen to be a senior citizen.  Students who meet the required grade levels or take a driver’s education class can receive discounts on their car insurance.  So, take advantage of all these savings by making out your list of eligible discounts before you go online searching for the cheapest and best auto insurance in Alaska.