The Last Frontier for Alaska Auto Insurance Quotes

Alaska auto insurance quotes, Let's face it. For having over 660,000 miles of total terrain, Alaska boasts precious few highways and surface streets. Alaskans like it that way. Whether you live in the relative "hustle and bustle" of Juneau or up in the true boonies outside of Barrow, if you drive a car in the Last Frontier State, you still must obey the laws of the land and carry Alaska auto insurance. True, in a state in which nearly two-thirds of the land is owned by the Federal Government and in which there appear to be more bald eagles than drivers on the highways, the thought of having to sift through Alaska auto insurance quotes may seem silly or even annoying. But the law is the law.

Alaska Auto Insurance Quotes, Don't Drive Over the Bridge to Nowhere

From Ketchikan to Wasilla to Fairbanks to North Pole, AK drivers must adhere to Alaska auto insurance laws or risk significant punishment. As of February 2010, Alaskan drivers must carry both bodily injury and property damage liability insurance. At minimum, for bodily injury, you must have $100,000 per accident and $50,000 per person. You also need $25,000 coverage for property damage (e.g. if you skid on a patch of ice and slam into your teacher's car at the University of Alaska).

Given these high minimums, it's probably no surprise that the average expenditure in the state (according to 2007 statistics compiled by the National Association of Insurance Commissioners) was $923. This ranked Alaska as the 12th most expensive state in the Union – far exceeding the average US rate of $795. Comprehensive cost $155, collision cost $381, and liability cost $569. Alaska also has a relatively high rate of uninsured drivers – 13% – ranking it the 12th worst state for uninsured drivers, according to 2007 statistics compiled by Insurance Research Council.

Given these depressing figures, you might be grumbling like a calving glacier at your potential Alaska auto insurance quotes. But there is no need to flee up to Barrow just yet. By following a few pointers, you can bring down your rates -- hopefully at least enough to be able to afford a sizable potlatch for your daughter's upcoming nuptials.

Cracking Through the Ice of Alaska Auto Insurance Quotes

To get your auto rates down, consider signing for a defensive drivers course, opting for a higher deductible on your policy (to save on your premiums), purchasing a safe car or upgrading the car/truck you own to be safer, and getting a home/auto discount by buying your home insurance from the same company that provides your auto insurance (this can save you up to 15%). Senior citizens may qualify for discounts as may good students at schools like Sitka's Mount Edgecombe High and the University of Alaska auto insurance quotes.

What We Can Learn from "Seward's Folly"? Alaska Auto Insurance Quotes

Former Secretary of State William Seward purchased the Alaska territory from Russia for just over $7 million in 1867. At that time, many believed that he had made a huge mistake. Critics even dubbed the purchase "Seward's Folly." Looking back, however, we can see that Seward made an enormously good decision, at least from an investment point of view. He shopped around for a bargain and got a big one. Take a page from Seward's thriftiness and compare quotes today through AutoInsurnaceQuotes.com. Take two minutes now to fill out our free form, and get back multiple quotes immediately to contrast and analyze. Our service is free, and better information will improve and expedite your decision making about Alaska auto insurance quotes.