Anchor Point Auto Insurance Rates, Quotes, Agents & Reviews in AK

Anchor Point, AK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Anchor Point, AK, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Anchor Point, AK are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Anchor Point, AK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Anchor Point, AK with that of other cities in and around Anchor Point.

Anchor Point Diamond Ridge Homer Nikolaevsk Happy Valley Kachemak
Average Insurance Rates $1,138 $1,522 $1,297 $2,008 $1,149 $1,203

Anchor Point, AK Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Anchor Point, AK based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Anchor Point $1,526 $1,289
Diamond Ridge $1,443 $1,219
Nikolaevsk $1,372 $1,159
Homer $1,636 $1,382
Kachemak $1,336 $1,128
Happy Valley $2,203 $1,861
Fritz Creek $1,319 $1,114

Anchor Point, AK Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Anchor Point, AK usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,693
20 Years $1,462
30 Years $1,126
40 Years $1,084
50 Years $1,003
60 Years $1,017
70 Years $1,184

Anchor Point, AK Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Anchor Point, AK can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,980 $296
3 Vehicles $2,970 $444
4 Vehicles $3,960 $592

Savings on 2 Vehicles bundle:$296

Savings on 3 Vehicles bundle:$444

Savings on 4 Vehicles bundle:$592


Anchor Point, AK Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Anchor Point, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Anchor Point $1,138 $1,776
Diamond Ridge $1,522 $2,376
Nikolaevsk $2,008 $3,135
Homer $1,297 $2,025
Kachemak $1,203 $1,878
Happy Valley $1,149 $1,794
Fritz Creek $1,526 $2,382

Anchor Point, AK Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $976
Excellent (740-799) $1,115
Good (670-739) $1,186
Average (580-669) $1,547
Poor (300-579) $1,856

Anchor Point, AK Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Mike Barth State Farm 3726 Lake St Ste C, Homer, 99603-7663 907-226-3600
Homer Insurance Ctr Allstate 509 Sterling Hwy Ste 201, Homer, 99603 (907) 235-3881

Anchor Point, AK Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$50 $1,188
Driver's Failure In Showing Documents +$110 $1,248
Driving With An Expired Registration +$117 $1,255
Driving At A Considerably Slow Pace +$247 $1,385
Using A Cellphone While Driving +$261 $1,399
Running A Red Light +$265 $1,403
Speeding +$279 $1,417
Driving A Vehicle Without The Required Permission +$354 $1,492
Driving With An Expired/Suspended License +$767 $1,905

Anchor Point, AK Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,092
Active Disabling Device $1,092
Tracking Device $1,070
Passive Disabling Device $1,058