Alaska Auto Insurance BasicsAlaska is considered one of the last great frontiers in the United States. Its terrain and weather make simply living in Alaska difficult and driving on the weather beaten roads another matter all together. As a sign of this, Juneau, Alaska is the only state capital in the United States for which the only access is by boat or plane. While you can drive while in Juneau, you can't actually drive to Juneau. Alaska, then, makes for a unique situation for auto insurance companies. While there are fewer cars and traffic jams than virtually all other states, there is much damage that can come from the weather conditions and thus a real need for good Alaska auto insurance.
Alaska Auto Insurance Minimum RequirementsAlaska, like most other states, requires a minimum amount of auto insurance coverage to be able to operate vehicles on their roads. The minimum requirements for auto insurance in the state of Alaska are 50/100/25. This means you must have liability coverage with coverage amounts equal to $50,000 for bodily injury per person capped at $100,000 for bodily injury per accident and $25,000 for property damage per accident. The state of Alaska does not require you to obtain uninsured/underinsured motorists insurance, though it is generally recommended that you do carry this type of coverage in order to not be left with a large expense if you get in an accident with an uninsured motorist.
Cost of Alaska Auto InsuranceAlaska is one of the more costly states in which to obtain auto insurance. In 2007, it ranked as the 21st most expensive state in which to purchase car insurance and the annual premiums are generally about 20 percent more expensive than the national average. This means you have to be extra vigilant in searching for the best auto insurance rates in Alaska. Shopping around for the best Alaska auto insurance rates, keeping a clean driving record and taking advantage of the auto insurance discounts offered by the car insurance companies can help to save you money on your Alaska auto insurance premiums.
Alaska Auto Insurance and the Tort SystemThe state of Alaska follows the tort system when it comes to gauging the cause of an auto accident. This has ramifications for you the driver, because it means that someone must be found at-fault in a car accident. There is no such thing as a no-fault accident and if you are found at-fault in an accident, you and your auto insurance company will be responsible for ALL damages pertaining to the accident.
Alaska Auto Insurance OptionsBecause of the terrain and the weather conditions in Alaska, there are many different types of vehicles that are used for transportation. When searching for Alaska auto insurance, you don't have to be limited with simply looking for insurance for a car or truck. Most Alaska auto insurance companies will insure a wide variety of vehicles, from recreational vehicles, to boats, planes and most things in between. There are also a wide variety of auto insurance policies available that can be tailored to fit your auto insurance needs. Alaska auto insurance policies that range from the minimum liability requirements to comprehensive policies with the highest coverage limits needed may be found with a little shopping around. To summarize, Alaska is indeed a unique state and may require you to look at your auto insurance in a new way. Consider the greatest threat to your vehicles, be it vandalism, accident with another driver, or possible accidents due to weather conditions there is always the need to protect your vehicles and yourself from lawsuit and a big out-of-pocket expense. Evaluate your auto insurance needs, shop around for the best rates and look for the best Alaska auto insurance company and you will have no problem finding the perfect Alaska auto insurance to protect you and your family. |
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