Auto Insurance Wasilla AK
At A Plus Auto Insurance we offer auto insurance quotes not only to Wasilla & Anchorage residents, but to the entire state of Alaska. Us agents pride ourselves on providing the best quality customer service, and we are dedicated to finding our customers the best coverages for the most affordable price. Call us today for a free, fast car insurance quote. New Rates.
We will shop your rates through several car insurance companies in Wasilla, Alaska to find you the cheapest price.
Auto Insurance Wasilla: What You Need To Know
- Auto Insurance Wasilla AK
- Car Insurance Wasilla, Alaska State Insurance Requirements
- What Is The Cheapest Car Insurance In Alaska
- Understanding your Alaska Auto Insurance coverages
- Insurance Wasilla -Cheapest Prices for Youthful Drivers
- The Real Cost of a DUI/Violation in Wasilla
- Understanding SR-22 in Alaska
- Cheapest Car Insurance Wasilla, Alaska
- How Car Insurance premiums are calculated in Alaska
- Auto Insurance Discounts to Keep Insurance Premiums Affordable
- How to choose a Reputable Car Insurance Company in Wasilla
- Cheapest Vehicles to Insure in Alaska
- INSURANCE WASILLA ALASKA for YOUNG drivers
- INSURANCE WASILLA ALASKA:
- Our Philosophy
- Insurance Wasilla: Driving Hazards in Wasilla & Anchorage Alaska
- Reviews From Our Happy Wasilla Clients
Car Insurance Wasilla, Alaska State Insurance Requirements
Liability Insurance in the bare minimum requirement you need to carry to be considered legal on the road. Alaska requires some of the highest liability limits out of every other State, but surprisingly enough, Alaska’s Insurance prices are much cheaper than other States.
50,000 for Bodily Injury per person /$100,000 for Bodily Injury per accident / $25,000 for property damage is the required minimum limit.
Bodily Injury Protection Per Person – This will cover up to $50,000 for a single person’s injuries/medical expenses in the event of an accident you caused (found liable for).
Bodily Injury Coverage per accident – This will cover up to $100,000 for a single accident in which you are found At Fault, or liable for. For example, if there were 3 persons injured in an accident, the total combined amount will cover $100,000 for medical expenses.
Property Damage Per Accident – This will cover up to $25,000 each accident for property damage (such as the other vehicle) in an accident you are found At Fault
What Is The Cheapest Car Insurance In Alaska
When searching for insurance in Wasilla, finding affordable car insurance in Alaska is a top priority. Our research indicates that several factors influence car insurance rates in Alaska, including driving history, age, and the type of coverage you choose. However, some insurance carriers offer competitive rates in Wasilla. Here’s a comparison of average annual premiums for car insurance from some of our partnered insurance carriers in Alaska:
| Insurance Company | Average Annual Premium |
|---|---|
| Progressive | $900 |
| Geico | $950 |
| State Farm | $1,000 |
By comparing quotes from different carriers, you can find the cheapest car insurance option that suits your needs and budget.
List of Factors Affecting Premiums:
- Driving history
- Age
- Coverage options chosen
Understanding your Alaska Auto Insurance coverages
Liability coverage will make you legal on the road, covering another party if you are found At Fault, or liable in an accident. You can choose to carry liability insurance only, but other coverages are available to you as well. Customizing your Wasilla AK Auto Insurance policy is a great way to get the coverages you need, without paying for extras you do not desire to have. Unsure of what coverages and limits you should carry? Speak with one of our friendly agents for a professional opinion and insight on coverage options.
50,000 for Bodily Injury per person /$100,000 for Bodily Injury per accident / $25,000 for property damage is the required minimum limit.
Uninsured/Underinsured Motorist Bodily Injury Protection & Property Damage – This will help cover your medical expenses, and property damage to your vehicle if you are hit by a driver that is not insured, also known as an Uninsured Motorist.
Medical Payments – This covers medical and funeral costs for you, and any passengers with you up to your policy limit, regardless of who is found At Fault in an accident.
Comprehensive – This covers your vehicle from all non-collision damages, such as fire, theft, vandalism, glass breakage, and impact with an animal, such as a moose.
Collision– This covers your vehicle from an impact with another vehicle, or object.
Roadside Assistance – This will cover you for a flat tire change, tow truck, fuel delivery, lockout services, battery jumps, etc.
Rental Reimbursement – Say you had an encounter with a moose, and your vehicle is in the shop for a few months getting repaired. Rental Reimbursement will cover you for the cost of a rental car, usually a set limit per day, with a maximum of days. For example, $40/day for 30 days, or $40/day for a maximum of $1200.
Insurance Wasilla -Cheapest Prices for Youthful Drivers
If you are searching for cheap auto insurance in Wasilla, Alaska, you may come to find out that insurance prices are more expensive for youthful drivers. This is based on the sol fact, most younger drivers are lacking experience behind the wheel, which makes them more prone to accidents. Once drivers become 25+ years of age, they are considered to have more experience, and are less of a risk for Insurance providers. There are still affordable options for young drivers, and many discounts we can apply to help keep their insurance premiums low and affordable.
The Real Cost of a DUI/Violation in Wasilla
Pertaining to your insurance, after you have been the cause of an auto accident or may have got one too many speeding tickets, you might be paying more on your insurance premium.
Wasilla, Alaska has clear and open rules regarding how certain infractions affect your drivers license status. When you get too many points/tickets, this can cause your drivers license status to become suspended or revoked. One thing to know is that your drivers license record is not the same as your insurance record.
The state can look at your points on your license differently than the insurance carrier. You should be aware of how traffic infractions will affect your insurance rates in the long run.
Types of traffic violations you receive can affect the amount of time your insurance carrier surcharges your policy.
How Violations Affect Your Insurance
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
| Expired Tags | Non Moving | NA* |
| Speeding | Minor | 3 Years |
| Crossing over a Center Divider | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Reckless Driving | Major | 5 Years |
| DUI | Major | 10 Years |
| Parking | Non Moving | NA* |
| Failure to Use Turn Signal | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
Understanding SR-22 in Alaska
If you’ve been convicted of a Major Violation, like a DUI, or involved in an Accident without Insurance, you may have a suspended license that will require an SR-22. Simply put, an SR-22 is an attachment that is added onto your Auto Insurance policy, that notifies the State of Alaska that you are carrying the minimum liability requirements. There is a common misconception that SR-22 Insurance is very expensive, when in most cases it is a one time fee of $25 for each insurance term.
Cheapest Car Insurance Wasilla, Alaska
When searching for cheap auto insurance in Wasilla, Alaska make sure to compare ‘apples to apples’ when looking at different quotes. One company may be quoting a higher liability limit, or one may be giving you full coverage and the other just liability. There are also several Insurance discounts to be applied onto your insurance policy, which will save you hundreds of dollars over the years. A knowledgeable and reputable Insurance Agent should be asking you questions to maximize your car insurance savings. If you are unsure of which discounts you qualify for, do not be afraid to ask.
How Car Insurance premiums are calculated in Alaska
Many factors are used to determine the cost for Auto Insurance prices in Alaska. Some of the main factors include location, and the amount of accidents/claims in an area and surrounding area. Age, gender, and marital status will also have an impact on the price. A drivers driving history and credit will also play a part when calculating the insurance premium for an individual. Keep your driving record clean and keep your credit score Excellent, and you will receive the maximum amount of savings on your car insurance.
Auto Insurance Discounts to Keep Insurance Premiums Affordable
Discounts are potential savings available to you on your auto insurance policy. Good drivers with a clean record and no claims or accidents save on insurance. Older drivers who refresh their skills with an approved defensive driving course get a discount as well. One of the best insurance discounts offered is continuous insurance. Drivers who have been insured for 6 months or more save on insurance. Huge savings can also be seen by bundling multiple insurance policies together, such as your home and auto.
See the data below for the discounts offered by Progressive and Dairyland.
What Discounts Can You Find with your Wasilla Alaska Auto Insurance Company?
| Progressive | Dairyland |
|---|---|
| Progressive | Dairyland |
| Continuous Insurance | |
| Homeowners | Married |
| Advanced Quote | Paid in Full |
| No Accidents or Violations | Homeowners |
| Multi Policy | Multi Vehicle |
| Education Discount | Continuous Insurance |
| Paid in Full | Auto Pay |
| Married | No Accidents or Violations |
| Multi Vehicle | Military |
| Auto Pay | |
| Paperless Discount | |
| Military |
How to choose a Reputable Car Insurance Company in Wasilla
Searching for cheap auto insurance in Wasilla, Alaska can seem like a daunting task. Our agents always try to make shopping for car insurance easy and pain free, while still educating our customers. Sometimes, the cheapest Insurance company may not be the best option. When looking for car insurance companies in Wasilla, Alaska, consider looking up the companies overall ratings on JD Power and AMs Best. This will tell you all you need to know about a company, how reputable they are, how their prices are in comparison to others, what their customer service ratings are, and how quick they are when paying out a claim.
Cheapest Vehicles to Insure in Alaska
No matter what kind of vehicle you drive, we want to help you get the best auto insurance rates and coverages. When purchasing a new vehicle at your local dealership, keep in mind that the cost of insurance may vary with each vehicle. If you seem to be torn between 2 vehicles you love, consider checking on the cost to insure that vehicle before making that big purchase. See below for a list of the cheapest vehicles to insure in Alaska.
| Toyota Tacoma/ 4Runner/ RAV4 | $105/month |
| Subaru Forester/ Outback/ Crosstrek | $92/month |
| Ford F-150 | $108/month |
| Chevy Silverado | $120/month |
| Ram 1500 | $125/month |
| Honda CR-V | $97/month |
Living in Alaska comes with unpredictable weather, all year round. 4-wheel drive and AWD vehicles are popular choices for Alaskan residents. The chart represents the most common vehicles insured in Alaska with the most competitive prices. The estimate shown in the chart is for full coverage on each vehicle, including your standard liability limit, with Comprehensive, Collision and Roadside Assistance.
INSURANCE WASILLA ALASKA for YOUNG drivers
- Shop Around: Get quotes from multiple insurance providers to compare rates. Each insurer may have different criteria for determining premiums.
- Ask About Discounts: Inquire about discounts that may be available for young drivers. Some insurers offer discounts for good students, completion of driver education courses, or maintaining a clean driving record.
- Bundle Policies: If the young driver is part of a family, consider bundling insurance policies (such as auto and home insurance) with the same provider. Bundling can often result in discounts.
- Consider Local Providers: Check with local insurance providers in Wasilla. Sometimes, local companies may offer competitive rates or be more familiar with the specific needs of drivers in the area.
- Maintain a Clean Driving Record: Encourage safe driving habits to avoid accidents and traffic violations. A clean driving record is often rewarded with lower insurance premiums.
- Explore Usage-Based Insurance: Some insurers offer usage-based insurance programs where premiums are based on driving behavior. If the young driver demonstrates safe driving habits, this could result in lower premiums.
INSURANCE WASILLA ALASKA:
Our Philosophy
- We Listen, We Serve, We Educate more
- We have a “No Pressure” approach
- We shop more companies to find the lowest rates
- We can handle most all your insurance needs
- Honest enough to say “we might not be your cheapest option”
- We limit spending on marketing to pass the savings on to you
Insurance Wasilla: Driving Hazards in Wasilla & Anchorage Alaska
Seasonal driving
During the summer and fall, the sun causes blindness whether directly driving into it or having it reflected in your mirrors.
Wildlife is a great factor for today’s motorists as well. This wildlife is not limited to your typical cats, dogs, and squirrels that may jump out in front of your car, but we have the big boys too; moose, caribou, and possibly a bear or two. This is where having Comprehensive coverage on your vehicle will be helpful to you.
Driving in Wasilla Alaska
Driving in Alaska can be gorgeous & treacherous at the same time. We recommend that you take the time to review your policy to make sure you and your family are adequately covered. We can help you choose the right coverage for you.
Please feel free to contact one of our knowledgeable, friendly staff at A plus Insurance. We look forward to helping you with all of your questions and insurance needs. Are you a snow bird? check out our Arizona page for cheap auto and home quotes in Arizona.
Reviews From Our Happy Wasilla Clients
A Plus Auto Insurance
1950 S Tuscarora Dr, Wasilla, AK 99654
Phone: (907) 268-4614
Last Updated on by Camron Moss