The rugged terrain and changing weather conditions in Alaska can leave motorists with treacherous driving conditions to cope with. In addition, the sparse landscape and expansive geographical nature of the state inevitably leads to motorists relying on their vehicles more than many of us would in other areas. The benefits of an effective auto insurance policy in Alaska cannot be underestimated and finding the right type of coverage is vital to safe and problem-free motoring.
Levels of Insurance
Alaska is a Tort state and motorists that are found to be at fault in a road traffic accident have a responsibility to cover the cost of injuries caused to third parties as well as any damage that might be inflicted on their vehicles. There is a minimum level of mandatory coverage that all drivers in Alaska must purchase although options remain to purchase additional add-ons at the same time as car insurance quotes are being compared.
The minimum level of mandatory insurance coverage in Alaska is $50,000 worth of bodily injury liability per individual, $100,000 worth of bodily injury liability for two or more persons and $25,000 worth of property damage liability. While this level of insurance might be ideal for older models, those with newer vehicles might prefer to explore comprehensive auto insurance quotes as these will provide more detailed coverage.
This can be particularly useful if a vehicle still has outstanding loans secured against it as the higher level of insurance will usually clear any payments due. GAP insurance is another consideration for owners of a vehicle that still have financial payments due on them. Further considerations in terms of additional insurance are collision damage, breakdown coverage and protection against uninsured or underinsured motorists.
Where to find Car Insurance Quotes in Alaska
The most common places to find car insurance quotes in Alaska are price comparison websites. These useful resources take a limited amount of information relating to a motorist and the vehicle they are insuring. Once this information has been supplied, a series of competitively-priced auto insurance quotes will be provided from a wide range of different carriers. Motorists in Alaska are always advised to avoid selecting the cheapest policy.
The best auto insurance quotes usually manage to combine a mixture of detailed policy with affordable pricing and this is more attainable on price comparison websites because motorists are able to receive multiple quotations from different carriers who are competing for business on a like-for-like basis.
As well as using price comparison websites, motorists can also use the dedicated websites of major insurance companies such as Geico, Allstate and Progressive. All of these well-known carriers are established names with excellent insurance ratings and any car insurance quotes received from their websites will automatically qualify for an online discount. Motorists can also find auto insurance quotes from telephone call centers or from car insurance brokers. Brokers are a particularly useful commodity and because they are legally obliged to act in the best interests of their customers, competitive prices are usually assured.