Auto Insurance Wasilla

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

A Plus Insurance

We will shop your rates through several car insurance companies in Wasilla, Alaska to find you the cheapest price.

Insurance Wasilla
2022 Auto & Car Insurance Wasilla Alaska A Plus Auto Insurance

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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 for.

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 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.

Cheapest Car Insurance for Youthful Drivers

If you are searching for cheap auto insurance in Wasilla, Alaska, you may come to find out that insurance prices are spendier for youthful drivers. This is based on the sol fact, most younger drivers are lacking experience behind the wheel, which makes them more proned 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 NameMajor, Minor, or Non Moving How Long it Will Affect Your Insurance Rates
Running a Traffic Light or Stop SignMinor3 Years
At Fault AccidentMajor5 Years
Expired TagsNon MovingNA*
SpeedingMinor3 Years
Crossing over a Center DividerMinor3 Years
Non-At-Fault AcccidentMinorNA*
Reckless DrivingMajor5 Years
DUIMajor10 Years
ParkingNon MovingNA*
Failure to Use Turn SignalMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to Use a Seat BeltNon MovingNA*

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 in 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 Auto Insurance Company?

ProgressiveDairyland
Progressive
Dairyland
Continuous Insurance 
HomeownersMarried
Advanced QuotePaid in Full
No Accidents or ViolationsHomeowners
Multi PolicyMulti Vehicle
Education DiscountContinuous Insurance
Paid in FullAuto Pay
MarriedNo Accidents or Violations
Multi VehicleMilitary
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
Average cost for Full coverage auto insurance in Alaska

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:

image shows scenery of Alaska
Insurance wasilla
2022 Auto & Car Insurance Wasilla Alaska A Plus Auto Insurance

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

 

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How much auto Insurance do I need?

Aside from the minimum liability limit that is required by Alaska law, the amount of coverage you actually need will depend on your assets, what type/year vehicle you have, how often and how well you drive.

What does Alaska law require me to have?

The minimum requirement you need to carry for your insurance policy in Alaska is 50/100/25 liability limits to make you legal on the road.

What can I do to lower my Auto Insurance costs?

The type of car that you drive is a big factor when determining your insurance premium. Consider purchasing a vehicle outright, that may not require full coverage car insurance to save money.

What driving discounts are available to me?

Several discounts include, continuous insurance discount, bundle discount, paid in full discount, safe driver discount, accident free discount, etc.

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Last Updated on by Veronica Moss