Driving Without Insurance Anchorage, Alaska AK
Reader’s Question:
After being convicted of driving without insurance, how much increase will my car insurance go in Anchorage, Alaska?
Victor
Anchorage, AK
How much your car insurance rates may be raised after a conviction of driving uninsured will depend upon the rating system of the insurance provider in which you get car insurance with after this violation and lapse of car insurance in Anchorage, Alaska.
I am unable to inform you how much your specific car insurance rates would rise since individual insurance providers have differing rating systems.
Your car insurance rates are likely to be higher as a driver who was convicted of driving uninsured then with an individual that has a good driving record and is able to obtain car insurance discounts such as a renewal discount, preferred driver discount or good driver discount. You can shop around to find a reasonable car insurance rates after a conviction for driving without car insurance.
Tags: auto insurance, driving without insurance
Vehicle Insurance Juneau, Alaska AK
Reader’s Question:
I have a question regarding car insurance increase. If I was pulled over for speeding for instance in Juneau, Alaska and went to court to fight it and then I did not receive any points added to your driving record, does this still cause your auto insurance to increase?
Julius
Juneau, AK
If you are convicted of a traffic violation in Juneau, Alaska then it can affect your auto insurance rates. An insurance provider is not concerned about the DMV points that are or are not assigned to your driving history but the actual speeding violation itself.
If instead you get the points dropped and your speeding violation reduced down to a non-moving violation that would not be put on your driving record then normally it would not affect your car insurance rates.
If your insurance provider’s rating system does call for your car insurance rates go up due to this speeding violation you can always shop around to check if you can find cheaper insurance with another auto insurance company.
Tags: auto insurance, car insurance rate
Car Insurance Rates Fairbanks, Alaska AK
Reader’s Question:
My wife died recently. I am wondering if our auto insurance go down since there is only one driver or will it remain the same? We live in Fairbanks, Alaska.
Andrew
Fairbanks, AK
I am sorry for your loss. A change in your marital status may affect your car insurance rates, however it is one out of many factors that will be considered in knowing you car insurance rates. It all depends on your insurance carrier and how much weight they put on the marital status.
Some insurance provider in Fairbanks, Alaska usually only offer a choice between married or single, so a recently widowed motorist would be considered single. Some insurers, let you specify whether you are single, married, single with child, widowed, domestic partner. Typically a widowed driver is rated similar to married.
Since each insurance carrier has its own guidelines on these situations, you should contact your insurance company for information with regards to your insurance policy.
Tags: auto insurance
Comprehensive Insurance Juneau Alaska AK
Reader’s Question:
Is it possible to obtain separate auto insurance for the contents of my vehicle in Juneau, Alaska? I had my speakers and stereo stolen but couldn’t afford the excess fees.
Bill
Juneau, Alaska (AK)
In Juneau, Alaska, personal belongings stolen from a car are usually not covered by car insurance but instead by a person’s renters or homeowners insurance.
If you have a comprehensive car insurance coverage but the excess fee is too expensive, you might speak reducing the fee with your insurance provider. This likely will make the cost of your car insurance rate to rise but permit you to have an excess (deductible) that you could pay more easily than your current one.
If you unable to reduce the excess fee, you might check into a personal contents or belongings policy. Typically, contents policy seems to be for household items but it might be possible to find one that covers automobiles.
Tags: car insurance
SR22 Auto Insurance Alaska AK
Reader’s Question:
What does sr22 covers? My wife has never had a license in the state of Alaska. When she was given a moving citation for not having car insurance on the car that she was driving, they suspended her non-existing license.
Jimmy
Anchorage, AK
An sr22 financial responsibility certificate is a form which must be filed by the insurance carrier stating that car liability (bodily injury liability and property damage liability) insurance is in effect for a particular person. It is required when insurance is provided to a person who was in an accident or was convicted of a traffic violation and was unable to show proof financial responsibility. So, if your wife still resides in Alaska, he will need to take out a sr22 insurance policy. And, to keep that insurance policy “in effect,” she will be required to obtain her Alaska driver’s license. Now, if she lives outside of Alaska, she will need to find an insurance carrier that will write a “Alaska sr22. Most insurance carriers will not write an out-of-state sr22. Because of this, she may have to take out a policy through an insurance carrier run by the state in which she is residing.
Tags: auto insurance, sr22 car insurance, traffic violation
Auto Insurance Anchorage Alaska AK
Reader’s Question:
I am planning to buy an SUV this year but my wife disagrees with me since apparently, auto insurance premium rates for SUV’s cost a fortune. How correct is my wife with this information on auto insurance she got here from Anchorage, Alaska?
Basty
Anchorage, AK
Insurance carriers consider the possibility that a particular brand of car will be vandalized, stolen, or involved in a crash insurers use different rating systems and to determine their car symbol.
Plus, insurance carriers look at industry wide statistics and also their own experience with car insurance claim payouts to determine the car insurance rates. Each of these rating factors go into deriving a statistical auto insurance rate.
Typically SUV are not in the top 10 list of most stolen cars so that factor is not as big. The simplest auto insurance factor to look at is size and the cost. A car that costs more to repair after a crash or can cause more damage when they have impact will be a higher risk than less expensive and smaller cars.
Generally the cost to insure an SUV is 15% more than the average vehicle because of the greater cost for repairs in a property damage liability insurance claim or medical damages. Other factor that most people do not know is that SUVs do not have to meet the federal government’s standards set for bumpers on vehicles relative to commuter traffic or parking lots so, even though they are bigger they really are not safer.
So basically yes a larger SUV will cost more to insure than smaller cars. Those with safety features though will be cheaper to insure.
Tags: auto insurance, car insurance
Car Insurance Anchorage AK
Filed under: Online Alaska auto insurance, SR22 Alaska, Teen Alaska auto insurance
Reader’s Question:
My daughter just got into an accident in Anchorage, Alaska with two other vehicles and totaled her car and it was her fault. As it turns out her insurance had cancelled on her before the accident. Will she have to pay out of pocket for the damages to the other cars or will the insurance on the other two vehicles cover it?
Jane
Anchorage, AK
There are 2 types of uninsured motorist coverages, one is for bodily injury and the other one is for property damage coverage. The other vehicle owner would need to have the property damage coverage to claim the damages on their cars with uninsured motorist. If the motorists do not have this coverage they might have collision coverage which they could make their vehicle damage claims under.
Even if the other car owners have insurance to cover their damages they might decide to come after your uninsured daughter to reimburse them for their deductible or damages. If the motorists do not have coverages that will take care of their own property damage then most states including Alaska would allow them to take your daughter, the at-fault party, to court to try and get a judgment against her that would pay them for their damages.
Tags: car, car insurance
Alaska AK SR22 Car Insurance
Reader’s Question:
My husband had a record of DWI in Alaska and he got an SR-22 with Geico. He was told by his employer that he still cannot drive a company vehicle because their insurance (State Farm) will not allow it. Why?
Mary
Anchorage, AK
As you may be aware of, DWI in Alaska is serious offense. DWI offenders face both administrative license action and criminal prosecution once arrested for drunk driving. The AK Division of Motor Vehicles will disqualify your husband’s privilege to drive a commercial vehicle for a minimum period of years as required by law. The disqualification period can be one year or for life, depending on the degree of the DWI offense.
As for your husband’s restriction to be enrolled to his employer’s insurance policy, I would suggest speaking with the State Farm’s representative regarding his employer’s insurance policy covering the company vehicles. He can then further ask the insurance company why he is not on the policy and if there is a way he could be added.
Due to your husband’s DWI, State Farm’s underwriters may find your husband too much of a risk to be added to the commercial or business policy. Or, it may be that the cost of having your husband included to the policy would be much too high so his employer has opted to not have him on the policy.
If your husband is unable to get the answers he needs neither from his employer nor State Farm, he can contact the Alaska Division of Insurance to know for sure what is allowable according to your state laws.
Cheap Alaska Auto Insurance Rate
Readers Questions:
I am a businessman; I have five cars and every year I have a burden with my auto insurance rates in Alaska. Is there anybody who can help me find a way to avail a cheap auto insurance rate?
Danny
Anchorage, AK
Hello, Danny.
Your question is preferably easy but you must follow the guidelines to avail of cheap auto insurance.
Danny, please take note of this: I do not know how you do it in finding for a cheap auto insurance in Alaska but I hope this is the end of your burden of paying an expensive insurance where you can have a cheap auto insurance.
First, lower the insuring company’s risk. Using seatbelts, not smoking, and having alarm systems can mean cheap auto insurance coverage.
Secondly, ask your agent about any discounts to have cheap auto insurance. Saving money on sports autos works much the same way as saving money on any form of auto coverage. Just be a good driver and keep a clean record.
Next, for teenage drivers – who also fall into the category of what coverage companies call “new drivers” – tend to pay the highest auto coverage rate of all. Most teens are inexperienced drivers with no lengthy record of safe driving.
Mind to take precautions to theft proof your auto. Autos equipped with anti-lock brakes, air bags and automatic seatbelts are also eligible for discounts.
Lastly, get rebates. Some states set aside for rebates. California law allows agents issue as rebates a part of their commission to you.
Car Insurance Rate Alaska AK
Reader’s Question:
I want to get car insurance, but last year I received a speeding ticket in which wasn’t my fault by the way so I have a court date to fight it next two weeks. If I wanted to to get car insurance now, would that ticket affect my car insurance rate, or would it only take affect if I was found guilty for the citation?
Parker
Anchorage, AK
Convictions of traffic violations, such as speeding, affect your insurance rates since the infraction is placed on your motor vehicle record (MVR) so before you go to court for the citation it should not affect you getting insurance or auto insurance rates.
If you are obtaining an auto insurance before your court date then this speeding citation should not affect your premiums at this time since you have not been convicted of the infraction. If you wait to obtain insurance after your court date and you are found guilty then on your car insurance application you would have to list this speeding infraction and the insurance company would see it on your driving record. It then would depend upon the insurance carrier’s rating system if this speeding violation would affect your premium.