Bear Creek Auto Insurance Rates, Quotes, Agents & Reviews in AK

Bear Creek, AK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bear Creek, 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 Bear Creek, 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.


Bear Creek, AK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Bear Creek Seward Primrose Seward-Hope census Lowell Point Crown Point
Average Insurance Rates $1,111 $1,160 $1,397 $1,161 $2,006 $2,016

Bear Creek, 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 Bear Creek, 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)
Bear Creek $1,438 $1,215
Seward $1,174 $992
Primrose $1,439 $1,215
Lowell Point $2,066 $1,745
Seward-Hope census $1,117 $943
Crown Point $2,076 $1,754

Bear Creek, AK Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bear Creek, 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 $3,605
20 Years $1,428
30 Years $1,100
40 Years $1,058
50 Years $980
60 Years $993
70 Years $1,156

Bear Creek, AK Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bear Creek, 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 $1,955 $267
3 Vehicles $2,933 $400
4 Vehicles $3,911 $533

Savings on 2 Vehicles bundle:$267

Savings on 3 Vehicles bundle:$400

Savings on 4 Vehicles bundle:$533


Bear Creek, 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 Bear Creek, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Bear Creek $1,111 $1,734
Seward $1,160 $1,811
Primrose $1,397 $2,181
Lowell Point $2,006 $3,131
Seward-Hope census $1,161 $1,812
Crown Point $2,016 $3,147

Bear Creek, 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) $953
Excellent (740-799) $1,088
Good (670-739) $1,158
Average (580-669) $1,510
Poor (300-579) $1,812

Bear Creek, 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 +$49 $1,160
Driver's Failure In Showing Documents +$108 $1,219
Driving With An Expired Registration +$114 $1,225
Driving At A Considerably Slow Pace +$241 $1,352
Using A Cellphone While Driving +$254 $1,365
Running A Red Light +$259 $1,370
Speeding +$272 $1,383
Driving A Vehicle Without The Required Permission +$346 $1,457
Driving With An Expired/Suspended License +$749 $1,860

Bear Creek, 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 $1,067
Active Disabling Device $1,067
Tracking Device $1,044
Passive Disabling Device $1,033