Direct Auto Insurance In Alaska

Direct Auto Insurance requirements in Alaska are quite a bit higher than most other states, but this only serves to better protect you and your auto in the event of an accident. Alaska drivers need direct auto insurance but before choosing a direct auto insurance company you need to know and understand the minimum direct auto insurance requirements in the state. 

All drivers are required to have at least $50,000 in bodily injury liability coverage per person involved in the accident, $100,000 in bodily injury liability coverage for each accident, and at least $25,000 in general property damage insurance.

Furthermore, all drivers are also required to carry proof of direct auto insurance whenever operating a vehicle. Failure to have sufficient proof of direct auto insurance can result in fines and penalties. Driving with no direct auto insurance is a much greater penalty however and this can result in serious fines, driver license suspension and auto registration suspension and more. If you have direct auto insurance always make sure to carry your direct auto insurance ID card – if you driving uninsured then stop and purchase at least the minimum direct auto insurance requirements today!

Direct Auto Insurance In Alaska

It is important for all drivers to note that, while Alaska minimum direct auto insurance requirements in the state are comparably high they do not provide for collision coverage, comprehensive insurance, or coverage for uninsured/underinsured motorists.  These types of additional coverage provide are highly recommended for most drivers so its always a good idea to consider purchasing much more direct auto insurance than just the bare state minimum requirements. Even if it means paying a little extra, it will be well worth it to have the protection you need if an accident occurs.

How much is Alaska Direct Auto Insurance?

Average direct auto insurance rates for Alaska residents fluctuate annually and in 2010 the average direct auto insurance premium paid by Alaska drivers was $1,381 per year, which is just under the national average of $1,440. Direct Auto Insurance is also a whopping difference from the 2009 average premium rate of $1,875 per year. Knowing the average amounts in your state is important, because you’ll be able to tell whether or not that “great deal” an direct auto insurance provider is offering you is truly great or not.

Who has Affordable Alaska Direct Auto Insurance?

The only way to save money on direct auto insurance and to find the best deal possible is by comparing direct auto insurance companies. A word of caution, however, is to only deal with providers that are licensed in your state. An unlicensed provider might offer you a great deal, but your policy will not actually be valid, so always check the licensing status of any direct auto insurance provider you are thinking of dealing with. In fact, a good course of action is to obtain a list of all licensed Alaska direct auto insurance providers from the local department of transportation.

When you’ve got your list narrowed down, all you have to do is to collect free Alaska direct auto insurance quotes from each provider.

When you have this list, it’s quite easy to get to work researching all of the different direct auto insurance providers. You’ll likely note on your list that there are both the well known, big name direct auto insurance providers, like Geico and Allstate, as well as smaller, more local direct auto insurance providers. Don’t automatically discount those smaller, lesser known direct auto insurance providers, because they sometimes offer excellent coverage and very affordable rates in an effort to keep up with the competition. So, look at all direct auto insurance companies fairly, visiting their websites for general information about the company and make sure to read online reviews written by past or current clients for a more in depth and unbiased look into the inner workings of the provider.

If a company ever tries to charge you money for a rate direct auto insurance quote, you can discount them from your search immediately

Asking for money for a rate direct auto insurance quote is a bad business practice and is a big red flag indicating that the company is only after your money. When you have all of the rate direct auto insurance quotes in front of you, it will be easy to find the one with the lowest price. However, price isn’t the only thing you should pay attention to. Also note which direct auto insurance providers offer you the best coverage and which have good ratings for customer service, fast claims processing, and other aspects that are important to you. It’s up to you to choose the best all-around direct auto insurance provider.