First Time Driver Car Insurance in Alaska
Reader’s Question:
I’m a first time car insurance policy holder ( until recently, I’ve been under my parent’s insurance here in Alaska). What suggestions do you have so that I can still save on my car insurance rates?
Noemi
Anchorage, AK
It’s a big leap for teenagers and first time car insurance policy holders to finally get car insurance on their own. And as you may have noticed already, first time auto insurance rates and premiums doesn’t come cheap, but you really couldn’t stay under you parent’s auto insurance policy forever, right?. Don’t despair, you will only need to a couple of years to establish a good driving history, after which there should be no reason why you couldn’t get good insurance rates there in Alaska. In the meantime, here are a few tips and suggestions on what you can do to increase your likelihood of building that good driving record as well as keep auto insurance costs as low as possible:
Still In School? Get Good Grades
You may qualify for a Good Student Discount if you maintain at least an average of B or higher in school.
Take Defensive Driving Courses
Accredited driving schools in your area would qualify you to get further discounts on your auto insurance for learning to become a safer driver.
Consider Driving An Older Vehicle
You could lower, or even eliminate, your comprehensive and collision insurance coverage to help you keep your premiums low.
Become A Low Mileage Driver
Most auto insurance providers give discounts if you drive less than 10,000 miles annually.
Shop For The Best Rates
Just because it’s your first time doesn’t mean you wouldn’t find someone that can give good rates. The Internet is a great way to get more promos and insurance discounts.
I Need Cheap First Time Driver Insurance in Alaska
Reader’s question:
My fiance obtained just recently his driver’s license. He is talking to his office mates to search for insurance quotes that cater to first time drivers. 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 fiances 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.