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

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

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

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

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

Gustavus Excursion Inlet
Average Insurance Rates $1,519 $2,111

Gustavus, 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 Gustavus, 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)
Gustavus $1,879 $1,587
Excursion Inlet $2,174 $1,837

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

Teenagers in Gustavus, 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 $4,929
20 Years $1,952
30 Years $1,503
40 Years $1,446
50 Years $1,339
60 Years $1,358
70 Years $1,581

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

Car owners in Gustavus, 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 $2,582 $456
3 Vehicles $3,873 $684
4 Vehicles $5,165 $911

Savings on 2 Vehicles bundle:$456

Savings on 3 Vehicles bundle:$684

Savings on 4 Vehicles bundle:$911

Gustavus, 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 Gustavus, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Gustavus $1,519 $2,371
Excursion Inlet $2,111 $3,295

Gustavus, 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) $1,303
Excellent (740-799) $1,488
Good (670-739) $1,583
Average (580-669) $2,065
Poor (300-579) $2,478

Gustavus, 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 +$67 $1,586
Driver's Failure In Showing Documents +$147 $1,666
Driving With An Expired Registration +$156 $1,675
Driving At A Considerably Slow Pace +$330 $1,849
Using A Cellphone While Driving +$348 $1,867
Running A Red Light +$354 $1,873
Speeding +$372 $1,891
Driving A Vehicle Without The Required Permission +$472 $1,991
Driving With An Expired/Suspended License +$1,024 $2,543

Gustavus, 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 $1,458
Active Disabling Device $1,458
Tracking Device $1,428
Passive Disabling Device $1,413