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

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

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

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

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

Average Insurance Rates $2,018

Galena, 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 Galena, 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)
Galena $1,294 $1,093

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

Teenagers in Galena, 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 $6,548
20 Years $2,593
30 Years $1,997
40 Years $1,922
50 Years $1,779
60 Years $1,804
70 Years $2,100

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

Car owners in Galena, 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 $3,511 $525
3 Vehicles $5,267 $787
4 Vehicles $7,023 $1,049

Savings on 2 Vehicles bundle:$525

Savings on 3 Vehicles bundle:$787

Savings on 4 Vehicles bundle:$1,049

Galena, 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 Galena, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Galena $2,018 $3,150

Galena, 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) $1,731
Excellent (740-799) $1,976
Good (670-739) $2,103
Average (580-669) $2,743
Poor (300-579) $3,292

Galena, 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 +$89 $2,107
Driver's Failure In Showing Documents +$196 $2,214
Driving With An Expired Registration +$208 $2,226
Driving At A Considerably Slow Pace +$438 $2,456
Using A Cellphone While Driving +$462 $2,480
Running A Red Light +$470 $2,488
Speeding +$494 $2,512
Driving A Vehicle Without The Required Permission +$628 $2,646
Driving With An Expired/Suspended License +$1,360 $3,378

Galena, 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 $1,937
Active Disabling Device $1,937
Tracking Device $1,897
Passive Disabling Device $1,877