Cohoe Auto Insurance Rates, Quotes, Agents & Reviews in AK

Cohoe, AK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cohoe, 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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Cheap Car Insurance In Cohoe, AK

You must have car insurance to safeguard yourself and your car in Cohoe, Alaska. Your insurance will cover any injuries you could sustain as well as the damage to your car in the event of an accident. Your insurance will also cover the damages and losses incurred by the other driver if you are determined to be at fault in an accident. It is crucial to get coverage that complies with the state's minimum criteria because

In Cohoe, Alaska, car insurance costs, on average, $1,151. When searching for auto insurance in Cohoe, shopping around to find the best rate is important. Many insurance companies offer discounts for good drivers, so be sure to ask about those. You may also be eligible for discounts based on factors such as your age, gender, and driving record. Here are some ideas for finding affordable and cheap vehicle insurance in Cohoe, Alaska, if you're looking for it.

By Obeying Driving Regulations

Drivers who have a good driving record and no traffic violations on their record can expect to pay lower premiums. Conversely, drivers with more traffic violations may be charged higher premiums. Additionally, drivers who purchase a more expensive vehicle may be required to pay higher premiums. For using a cell phone while driving and operating a vehicle without headlights, additional fees of +$264 and +$51 are added to the price of auto insurance.

Refer to the graph below to understand the auto insurance rates based on the driving violation in Cohoe, AK

By Opting for a Lower Deductible 

Opting for a lower deductible can lead to higher insurance rates because it means that the insurance company will have to pay out more in the event of a claim. On the other hand, a higher deductible can result in lower insurance rates because you will have to pay more out of pocket in case of a claim. For example, People in Cohoe who opt for a $500 low deductible pay $962, while those who opt for a $1,000 high deductible pay $813. Whatever deductible you choose, keep in mind to budget enough cash to cover it in case you need to submit a claim.

By Availing of Multi-Car Discounts

In Cohoe, AK, car insurance rates may be lower for drivers with multiple cars insured under the same insurance company. This is known as a multi-car discount and is offered by many car insurance providers as a way to incentivize customers to insure all their vehicles with the same company. The discount amount may vary depending on the provider and the number of cars insured under the policy. Car owners typically pay $2,026 for two automobiles and $3,039 for three cars in Cohoe, Alaska. In Cohoe, Alaska, they may save between $276 and $414 on auto insurance.

Factors that can influence the cost of car insurance in Cohoe, 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.

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

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

Cohoe Soldotna Ninilchik Kalifornsky Kasilof Clam Gulch
Average Insurance Rates $1,151 $1,156 $1,140 $1,164 $2,037 $1,129

Cohoe, 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 Cohoe, 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)
Cohoe $962 $813
Kasilof $2,098 $1,772
Clam Gulch $1,353 $1,143
Kalifornsky $1,542 $1,302
Ninilchik $1,339 $1,131
Soldotna $1,476 $1,247

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

Teenagers in Cohoe, 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 $3,735
20 Years $1,479
30 Years $1,139
40 Years $1,096
50 Years $1,015
60 Years $1,029
70 Years $1,198

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

Car owners in Cohoe, 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 $2,026 $276
3 Vehicles $3,039 $414
4 Vehicles $4,052 $552

Savings on 2 Vehicles bundle:$276

Savings on 3 Vehicles bundle:$414

Savings on 4 Vehicles bundle:$552

Cohoe, 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 Cohoe, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Cohoe $1,151 $1,797
Kasilof $2,037 $3,180
Clam Gulch $1,129 $1,762
Kalifornsky $1,164 $1,817
Ninilchik $1,140 $1,780
Soldotna $1,156 $1,805

Cohoe, 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) $988
Excellent (740-799) $1,127
Good (670-739) $1,199
Average (580-669) $1,565
Poor (300-579) $1,877

Cohoe, 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
1st Alaska Insurance Allstate 35681 Kenai Spur Hwy, Soldotna, 99669 (907) 262-4425
Waterbury Agency Llc Allstate 44539 Sterling Hwy Ste 207, Soldotna, 99669 (907) 262-9445
Mike Barth State Farm 3726 Lake St Ste C, Homer, 99603-7663 907-226-3600
Nancy Field State Farm 35202 Spur Hwy Ste 1, Soldotna, 99669-7645 907-262-4440
Malone Insurance Agency None 378 E Pioneer Ave Suite 2, Homer, 99603 (907) 202-5430
Walters & Associates Insurance, Inc. None 130 S Willow St Ste 8, Kenai, 99611 None

Cohoe, 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 +$51 $1,202
Driver's Failure In Showing Documents +$112 $1,263
Driving With An Expired Registration +$119 $1,270
Driving At A Considerably Slow Pace +$250 $1,401
Using A Cellphone While Driving +$264 $1,415
Running A Red Light +$268 $1,419
Speeding +$282 $1,433
Driving A Vehicle Without The Required Permission +$358 $1,509
Driving With An Expired/Suspended License +$776 $1,927

Cohoe, 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 $1,105
Active Disabling Device $1,105
Tracking Device $1,082
Passive Disabling Device $1,070