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

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

Zimlon, through its research, found that car owners in Ester, 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 Ester, 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.

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

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

Ester Chena Ridge Farmers Loop College Fairbanks Goldstream
Average Insurance Rates $1,173 $1,255 $1,298 $1,499 $1,147 $1,497

Ester, 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 Ester, 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)
Ester $2,178 $1,840
Goldstream $1,861 $1,572
Chena Ridge $1,515 $1,280
College $1,506 $1,272
South Van Horn $1,391 $1,175
Farmers Loop $1,418 $1,198
Fairbanks $1,602 $1,353
Fox $1,947 $1,644

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

Teenagers in Ester, 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 $3,806
20 Years $1,507
30 Years $1,161
40 Years $1,117
50 Years $1,034
60 Years $1,049
70 Years $1,221

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

Car owners in Ester, 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 $1,994 $352
3 Vehicles $2,991 $528
4 Vehicles $3,988 $704

Savings on 2 Vehicles bundle:$352

Savings on 3 Vehicles bundle:$528

Savings on 4 Vehicles bundle:$704

Ester, 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 Ester, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Ester $1,173 $1,831
Goldstream $1,497 $2,337
Chena Ridge $1,255 $1,959
College $1,499 $2,340
South Van Horn $1,066 $1,664
Farmers Loop $1,298 $2,026
Fairbanks $1,147 $1,790
Fox $1,890 $2,950

Ester, 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) $1,006
Excellent (740-799) $1,149
Good (670-739) $1,222
Average (580-669) $1,595
Poor (300-579) $1,913

Ester, 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
Dick Randolph State Farm 610 12th Ave, Fairbanks, 99701-4643 907-456-7787
Jim Matherly Allstate 3425 Airport Way, Fairbanks, 99709 (907) 479-9090
Matthew Raymond State Farm 3875 Geist Rd Ste C, Fairbanks, 99709-3564 907-452-6015
Terri L. Wolters Allstate 2142 Airport Way, Fairbanks, 99701 (907) 456-1264
Kris Yoder State Farm 3637 Airport Way Ste 109, Fairbanks, 99709-4782 907-328-9022
Max Roberts Allstate 3677 College Rd Ste 7, Fairbanks, 99709 (907) 457-1600
Hale & Associates Liberty Mutual Independent 100 CUSHMAN ST STE 200, FAIRBANKS, 99701 (907) 456-6671
Loa Carroll-Hubbard Allstate 617 Gaffney Rd, Fairbanks, 99701 (907) 474-8002
Chris Marok Allstate 59 College Rd Ste 205, Fairbanks, 99701 (907) 452-5664
Dunlap Agency None 1305 21St Ave., Ste 203 Fairbanks, Fort Wainright, 99701 None
Kenneth A Murray Ins Inc Liberty Mutual Independent 300 Barnette Street Fairbanks, Fort Wainright, 99701 None

Ester, 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 +$52 $1,225
Driver's Failure In Showing Documents +$114 $1,287
Driving With An Expired Registration +$121 $1,294
Driving At A Considerably Slow Pace +$255 $1,428
Using A Cellphone While Driving +$269 $1,442
Running A Red Light +$273 $1,446
Speeding +$287 $1,460
Driving A Vehicle Without The Required Permission +$365 $1,538
Driving With An Expired/Suspended License +$791 $1,964

Ester, 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 $1,126
Active Disabling Device $1,126
Tracking Device $1,103
Passive Disabling Device $1,091