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.
Short Term Car Insurance in Alaska
Reader’s Question:
Would it be better to stay with a six-months car insurance policy or a longer one for my coverage here in Alaska? Is there such a thing as short term car insurance?
Thomas
Anchorage, AK
Whether or not it would be to your advantage to get a short-term or long-term car insurance coverage depends on how well you are able to maintain a good driving and credit history. Normally, it would be a good start to have shorter car insurance contracts, especially if you are just beginning to build, or rebuilding, a good driving history. This will allow you to reap the benefits of being a responsible or safer driver in the form of reduced car insurance rates. Unfortunately, car insurance companies don’t really like you having such a relatively flexible policy. This makes their business unpredictable, as compared to having customers with fixed insurance rates for a longer period of time.
Another reason to stick with short-term policies is that long term policies rates generally takes into account any long term risk you may pose as a customer so long-term rates might actually be higher. So as you can tell, its a delicate balance between either short-term policies working to your advantage or, depending on how trends on car accidents are and the frequency of claim being filed in your area, give your car insurance provider there in Alaska more reason to hike your rates up. I suggest you review your car insurance policy well if you decide to get a six-month coverage.
Tips To Lower Car Insurance Rates In Alaska
Reader’s Question:
I’ve heard from a colleague about keeping a pre-paid yearly auto policy to keep my rates down, is this a good idea? Also, do you have any other tips to lower my car insurance? Thanks!
Nelson
Anchorage, AK
One of the best ways of getting, and keeping, a good auto insurance rate is by agreeing to make annual payments towards your car insurance coverage. Not only do companies pass along savings coming from long-term commitments from their customers your rate is also protected from fluctuations, your rate can only change once a year as compared to monthly, quarterly or six-month policies, making it easier for you to budget your expenses there in Anchorage, Alaska.
There are also other ways to reduce your auto insurance costs. Here are some suggestions:
1. Become a safer driver by taking defensive driving lessons. The skills you will learn are valuable in keeping you safe while on the road plus you get discounts off your premium for being a safer driver.
2. If you will be going away on vacation or a business trip for a long time, consider keeping only comprehensive storage insurance coverage. You probably will keep the car in the garage or in storage so collision and liability insurance would not be needed for the moment.
3. Keeping all your insurance policies with one company will have its perks in the form of extra discounts or attractive privileges. It would also be easier to deal with one insurance company come renewal time.
Cheap Drunk Driving Insurance in Alaska
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.
Auto Insurance With DUI in Alaska
Reader’s Question:
I would to know if my auto insurance rate will rise if I add my father which has a DUI conviction? We live in the same house.
Dan
Anchorage, AK
It is possible that your car insurance rates in Anchorage, Alaska may go up after you add your father to your car insurance policy. Even considering the fact that each of you have your own auto insurance policy, the insurance carrier will take into account all of the drivers/motorist , so in this case, you and your father, and their individual driving record on these car insurance policies separately. Most insurance carriers base the auto insurance rates on the driver who develops the highest car insurance rate premium. Usually this is the younger drivers. Since your father has a serious offense and that might cause your car insurance premiums to go up as a result.
You may speak with your insurance carrier to know for certain how much the increase will be if you add your father with a DUI in your car insurance policy.
Cheap Alaska DUI SR22 Auto Insurance
Reader’s Question:
My brother has a DUI conviction . He is asking me to help him out on finding cheap SR22 auto insurance. Why does he need this and will we be able to find SR22 auto insurance here in Alaska without paying an arm and a leg?
Jude
Anchorage, AK
Let me explain first why your brother needs SR22 auto insurance. This is commonly referred to as a certificate of financial responsibility or high risk car insurance. The mere fact that your brother has a DUI conviction in Anchorage, Alaska makes this a requirement as a proof of financial responsibility. The SR22 form provides a guarantee of insurance by the company your brother has purchased it from. This supplies the Department of Motor Vehicles (DMV) with the guarantee that even though he is a high risk driver, he at least carries the state mandated minimum limits of coverage. Further, it is essential that your brother does not allow this type of policy to lapse. The insurance company is required to immediately notify the DMV if it does lapse, and the DMV will immediately suspend your brother’s license until the insurance is reinstated.
To find SR22 auto or high risk car insurance, your brother can first check with his current insurance company to see if they can file it for him. If his insurance company does not offer that service or he does not have current insurance, time to start his comparison search. Finding SR22 auto insurance is easy with just a click of the mouse. There are a lot of insurance companies which offer this online. No need to worry, comparing car insurance rates from top companies against each other is an easy way to find a cheap rate and still get the coverage that you need.