There are many positive aspects of living in the great state of Alaska. From the wildlife to the amazing scenery of the place - it is no wonder that the place has increasingly become a tourist hotspot. If there is one thing that's not so positive about Alaska is the fact how car insurance in Alaska can be quite costly - at least compared to other states in the country. According to the latest survey, the state has one of the highest auto insurance costs in the country. Why exactly is it more expensive to own and drive your car in Alaska? Read on to find out the reasons and more.
Expensive Coverage in Alaska
There are several reasons why car insurance in Alaska is higher than other states. The most obvious and glaring reason is the fact that geographic location of the state means driving is something that comes more challenging - and that people are more prone to accident. Given this fact, the tort system is applied in Alaska when it comes to auto insurance. This means that the state will hold you responsible for any damages to your car and the car belongs to the other party if you are recognized as the party at fault. This is one of the reasons why the car insurance rate is quite high - even if you do have and maintain a good driving record.
Minimum Requirements
If you want to own and drive a car in Alaska the legal way - the insurance policy should be one that can cover a minimum of $50,000 for each person. Meanwhile, the minimum liability policy should be able to cover $100,000 for each accident. The numbers are set rather high so that the policy can provide protection for the driver who's at fault in the event of a serious injury or even death to the other party. Apart from this - the insurance policy should also be able to cover property damage of $25,000.
Reduce your Insurance Cost
Having car insurance in Alaska is something that can't be bargained. In fact, it is a must have for anyone who wants to register a vehicle. Although the numbers above may seem overwhelming, there is a way or two to help lower the cost of insurance down. It does require you to be proactively looking for the best deal in town though. This means searching online for the best deal around, as well as opening up the phone book and calling various insurance providers. Doing this one by one may seem complicated, but look at it this way. You'll only have to do this once and you'll get rewarded with lower auto insurance cost. It sounds like a win-win situation. Upon making conversation with the representative of the insurance provider, you should specifically mention the fact that you are shopping around for the best deal. This will increase your chance of getting a better and a more affordable deal. It's a trick that seems to work every single time - regardless where you live in the country.
More Tips to Reduce Cost
Another way to lower the cost of car insurance in Alaska is to make some adjustments to the car that you are insuring for. For example, by making sure that it is in a pristine condition by performing regular check-up can help drive down the insurance cost. You can also improve the safety features of the car to help lower the insurance cost. Lastly, you should always drive your car carefully and follow the regulations. Not just for the sake of your well-being, but also to get the lowest auto insurance rate. You see - past accidents and traffic violations will definitely increase the cost. Using the common sense and tips above, you can get cheaper car insurance in Alaska.
For more guides on how to lower the cost of your car insurance in Alaska, check out the website car insurance in Alaska
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Car Auto Article FeedFind More ArticlesSearchSimilar ArticlesCheap Car Insurance - Finding Cheaper RatesAuto Insurance Requirements Per StateAll You Need to Know About Car Insurance RatesHow to Find Cheap Alaska Auto Insurance RatesAffordable Auto Insurance - Helpful Information on Auto InsuranceAffordable Auto Insurance - All You Need to Know About Car Insurance RatesAffordable Auto Insurance - Find Help With Your Auto Insurance With These TipsGeneral InsuranceTop Tips For Buying Affordable Health InsuranceState of Affairs, Ed Mcmann, Home Sales and the Polar Ice MeltRecent ArticlesAuto Insurance - Describing Insurance BenefitsGirly Men Save On Car InsuranceGap Insurance - To Defer or Not to Defer, That Is the QuestionAffordable Car Insurance for Teen DriversBenefits of Short Term Car InsuranceSaving Money on Car Insurance TipsCar Insurance - What You Need to Know About ItMerits Of Car InsuranceCar Insurance Advice That Is Proven BeneficialThe Hidden Costs of Car InsuranceSubmitted On March 01, 2012. Viewed 0 times. Word count: 641.MLA Style Citation:Holmes, Lenker D.".".1 Mar. 2012EzineArticles.com.2 Mar. 2012
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