Reader’s Question:

My teen daughter, who is currently a working student, refused to get car insurance here in Anchorage, Alaska. I am nervous because she’s travelling every past midnight from her school to her work then drive back home. How can I make her agree to get insurance policy?

Josephine

Anchorage, AK

I advise you to make your daughter realize how unsafe the roads are especially during the night time in Anchorage, Alaska . The picture of US’s roads every night is terrible. According to National Highway Traffic Safety Administration (NHTSA), 12 up to three in the morning are the most lethal hours for drivers. NTHSA added that in 2004, there are about 2,500 fatal car collisions and 76 percent of these are because of drunk driving. This suggests that even if your daughter tries really hard to be careful when driving, drunk drivers may cause pile-ups in unprecedented instances. Your daughter might become a victim of such at times you least expect it. While she is spending little amount to pay for insurance policy from time to time, at least your daughter can avail for a huge amount of cash whenever she gets involved in roadway accidents.

Since I think your daughter is concerned about her expenses, I suggest that you shop car insurance quotes for her. There are affordable car insurance premiums and there are a lot of insurance providers that offers big discounts. But if you own a car and you already insured it, you can change your policy coverage and add to it your daughter’s car. In this event, you will receive discount opportunity from your insurer.

Tags: car insurance, teen car insurance

Reader’s question:

My fiancé obtained just recently his driver’s license in Anchorage, Alaska. He is talking to his officemates to search for insurance quotes. What are the possible factors that will affect his insurance rate?

Nicole

Anchorage, AK

There are various factors that may bring different insurance policy premiums. Your fiancé’s age, sex, location of residency, civil status and driving record are among the immediate concerns of your prospective insurance provider in Anchorage , Alaska . With these factors into considerations, insurance providers give different insurance premiums to policyholders even if they wish to insure the same motor vehicles.

But usually, the case of sport utility vehicles (SUV) and other expensive car brands are different. Expensive vehicles, which have the high chance of theft and vandalism and are employed with expensive repair services, are expected to be priced with high insurance premiums. SUVs, because these are involved more often in roadway accidents compared with other car types and also have costly repairs, are also covered by high insurance premiums. But insurance providers have different schemes on how they price particular insurance policies and usually insurance providers varying experiences in their claim payouts are significant factors in the insurer’s premiums. For instance, an insurer that have been paying more than $750 for damages of SUVs covered in their policy will most likely charge higher premiums to future clients. Hence, the car brand is one factor; while the insurer’s experience with previous policyholders is another important factor. So, it is still best to get as many insurance quotes as you can and compare them before you decide which policy you will get.

Tags: car insurance rate

Reader’s Question:

What are the things that an insurance company will be asking me if I am applying for an auto insurance policy here in Anchorage, Alaska?

Norman

Anchorage, Alaska

If you are applying for an auto insurance policy in Anchorage, Alaska, the insurance company will be asking you important details about you and your current auto insurance policy. They have to know certain factors to ensure that they are properly pricing your insurance policy. You will be asked how many people are living in your household. Some insurance providers require you to list everyone in the household who don’t have their own insurance. Then, they also need to know how old you were when you got your driver’s license. This would determine the driving experience that you have.

There may be a difference in the insurance rates if you’re married as it could show that you’re more settled. Also, if you have children in the household but you’re not married, you could be eligible for the same discount as married. You will also be asked if you got tickets, accidents and/or claims in the last three to five years, including accidents that that were not at-fault. Lastly, the insurance provider would ask you regarding the coverage that you have now — your liability limits, medical expense limit (if any), deductibles, etc.

Tags: auto insurance, auto insurance policy

Reader’s Question:

If in case I get involved in an accident here in Anchorage, Alaska, what advice can you give me regarding the things that I should do? Also, if it is not my fault, can I also immediately contact the other party’s car insurance company regarding a claim?

Tess

Anchorage, AK

In case you get into an accident in Anchorage, Alaska, you have to check first if there is someone injured. Call an ambulance immediately if it is needed be if everybody is okay but a bit shaken, call the non-emergency number for the police department. You need the police report in filing for an auto insurance claim. You need to collect all the information from the other party involved such as contact number, insurance information, license plate number, etc. You also have to find witnesses who saw the accident but if you can’t, you could rely on the police report.

You also need to get in touch with your car insurance company and tell them about the accident. A lot of auto insurance providers have a 24-hour claim service to their customers. You might also want to get in touch with the other person’s auto insurance provider to let them know about the claim you filed against one of their customers. Then an insurance adjuster would come out to check the damage and issue a dollar cost of the damage. You could dispute the settlement at this point but if you do that, you won’t probably receive any resolution so be aware of that when settling the claim.

Tags: advice, car, car insurance, car insurance claims

Reader’s Question:

I may have to just go online to search and get some quotes for my auto insurance here in Anchorage, Alaska. How do auto insurance companies determine the premium rates of their potential customers?

Cesar

Anchorage, AK

If you are trying to look for an auto insurance policy in Anchorage, Alaska, you may have a better time searching for the right auto insurance company. You could actually obtain insurance quotes from providers online regardless of the type of automobile you own. From a van to a vintage car, a pickup truck to an SUV, it would be quite easy to find out about having it insured.

There are different things that could help you to find the insurance provider that will best suitable for your needs and the way to have the best possible premium rates for the kind of auto insurance that you need. When you’re filling up the form for your online rate quote, be sure to add as many information as possible. The auto insurance company would be interested in your driving history, the state that your living in, you credit rating, the age of your car, if you have an anti-theft device on your vehicle and many other information that could help them figure out the amount of your yearly auto insurance rate.

Tags: auto insurance, auto insurance company, auto insurance quotes, auto insurance rate

Reader’s Question:

I have to clear some things out before I buy my auto insurance here in Anchorage, Alaska. What do riders and uninsured motorist mean in auto insurance policy?

James

Anchorage, AK

There are a lot of things that you have to understand before you buy your auto insurance in Anchorage, Alaska. In auto insurance, a policy rider is an added provision in your auto insurance policy. An example of this is the Personal Injury Protection or PIP that would be very useful if you get into an accident involving serious injuries. A type of auto insurance policy with the policy rider is like comprehensive coverage wherein you must be fully covered, even if the accident was your fault.

Uninsured motorist clause would give you coverage if you get injured by a negligent uninsured motorist. As a policyholder, you would pay additional rates so that this will be included in your policy. In case an accident happens and the other driver doesn’t have insurance, your auto insurance provider would pay the difference between what the uninsured motorist can pay what you are entitled to.

Tags: auto insurance, auto insurance policy rider, uninsured motorist

Reader’s Question:

I need to get an insurance for my RV here in Anchorage, Alaska and I also need help in finding one. What do you think are the problems that I would encounter in getting my RV insured?

Heaven

Anchorage, AK

A lot of people associate insurance with medical care, homes and cars but motor homes and recreational vehicles also need to have insurance. The insurance needs for people who own an RV vary largely from auto or home owners because a lot of people use RV as a car and a home. Just like what you’re wondering if you get insurance for your RV in Anchorage, Alaska, it would pose some problems because a lot of auto insurance providers could not properly give coverage for RV as they don’t fully understand the needs of the owners of the RV.

A regular auto insurance policy may not be able to provide the necessary coverage for an RV. Auto insurance would not cover injuries at the campsite since cars or regular vehicles aren’t commonly used to camp out of. Now, there’s a possibility that your home insurance could cover your RV since it could be used as a residence but even this would not cover everything that you would need. After all, homes aren’t to be involved in highway accidents. A good way to find insurance for your RV is to inquire from an insurance agency that specializes in motor homes and RV’s. They would definitely understand the special needs that you have for your RV.

Tags: auto insurance, RV

Reader’s Question:

I was convicted for DUI here in Anchorage, Alaska and I need to have a DUI insurance because I am getting back my license soon. Is it okay for me to just retain my current auto insurance and buy insurance for my DUI from another company?

Kalem

Anchorage, AK

Most of the time, DUI insurance would be given as a standard policy with higher rates. Other auto insurance companies offer DUI insurance in addition to a standard policy like when adding uninsured driver coverage or other kinds of additional coverage. The auto insurance provider should inform the Department of Motor Vehicles (DMV) that the person convicted for DUI has insurance so that the driver’s license suspension could be removed. If the motorist has stopped the auto insurance policy, the insurance provider is accountable for informing the DMV about that and the license will be suspended again.

It would be okay for you to retain your current auto insurance and buy a DUI insurance from another company. By doing this, your auto insurance provider will not find out about your DUI conviction in Anchorage, Alaska and your premiums won’t increase. But this is risky because most insurance providers regularly check on their customers’ record. Try and enter your zip code to get a quote for your DUI insurance from this website.

Tags: auto insurance, drunk driving insurance, DUI, DUI insurance

Reader’s Question:

I’m searching for an auto insurance company now because I am planning to make a switch. How would I find the best auto insurance policy here in Anchorage, Alaska that would fit me?

Bea

Anchorage, AK

First of all, you have to select the kind of auto insurance policy based on your finances and the condition of your vehicle/s. As these aspects change, you could later update the status of your policy. Auto insurance policies and rates differ from every state so you may opt to have a six-month or yearly plan depending on the amount of time you plan to stay within a state. You have to be sure that you compare the amount of premiums you would pay against the kind of coverage and quality of service you would get in return.

You can put all your vehicle/s that you own under one auto insurance policy and see which ones offer you the lowest rates. You could also ask for multi-policy discounts if they’re available. You have to compare the amount of insurance coverage of several policies. You also have to check for the total coverage for bodily injury and liability insurance. Select the one with the highest dollar value for the best price. I’m sure that you can find here the best auto insurance policy in Anchorage, Alaska that fits you so go on and get a free quote.

Tags: auto insurance, auto insurance policy, car insurance rate

Reader’s Question:

A friend of mine was pulled over for drunk driving while driving my vehicle in Anchorage, Alaska. Will this affect my car insurance rate after he was charged with DUI?

Peggy

Anchorage, AK

In general, the tickets that your friend got when he was driving your vehicle in Anchorage, Alaska would not affect your car insurance rates. Any tickets for traffic violations such as DUI, speeding, driving without a license, drunk driving, etc. should all have been issued to your friend, the driver, and not the vehicle. This would typically show up on his driving record and affect him.

Let’s say, for example, your friend had crashed your vehicle while driving it. In situations such as this, it would have affected your car insurance. That is because most likely, it would be your car insurance that would have to pay out claims resulting from an accident. Be careful the next time you lend your vehicle to other people. It’s good that you trust the person but be sure that he would be responsible in case an unexpected thing happen. So if you are in need of a car insurance policy, you can always get a free insurance quote from this website.

Tags: car insurance, drunk driving insurance, DUI, DUI lawyer