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

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

Zimlon, through its research, found that car owners in Fairview, 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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Find Affordable Car Insurance In Fairview, AK

In Fairview, Alaska, car insurance costs, on average, $1,163. Finding affordable car insurance in Fairview, AK, is crucial for car owners looking to protect their vehicles without breaking the bank. The cost of auto insurance can vary significantly, depending on several factors, including your driving history, age, and type of vehicle. Fortunately, several ways exist to find affordable car insurance in Fairview, AK, without compromising coverage. This article will provide insights into various strategies car owners can use to secure budget-friendly car insurance policies in Fairview, AK. By following these tips, car owners can find the right coverage at a price that fits their budget.

By Obeying Driving Regulations

Obeying driving regulations can effectively reduce car insurance costs in Fairview, AK, and other areas. Safe driving practices reduce the risk of accidents and help drivers maintain a clean driving record, leading to lower insurance premiums. In Fairview, AK, insurance providers consider several factors when determining car insurance rates, including driving history, age, and type of vehicle. Car owners can avoid traffic violations by following driving regulations, leading to points on their driving record and higher insurance premiums. For example, in Fairview, AK, using a cell phone while driving and operating a vehicle without headlights, additional fees of +$266 and +$51 are added to the auto insurance rate.

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

By Opting for a Lower Deductible 

If you choose a lower deductible, your insurance rates may be higher since the insurance company would have to pay more in the event of a claim. Conversely, a higher deductible can lead to lower insurance rates because you would be responsible for more of the costs out of pocket in case of a claim. For instance, in Fairview, AK, individuals who choose a low $500 deductible pay $1864, while those who choose a high $1,000 deductible to pay $1575. However, no matter which deductible you opt for, ensuring you have enough funds to cover it if you need to make a claim is important.

By Availing of Multi-Car Discounts

In Fairview, AK, having multiple cars insured under the same company may result in lower car insurance rates. A multi-car discount is a common practice among car insurance providers to encourage customers to insure all their vehicles with the same company. The discount amount may differ depending on the provider and the number of cars covered by the policy. In Fairview, AK, individuals typically pay $2,024 for two cars and $3,035 for three cars. With a multi-car discount, they may save between $302 and $454 on their auto insurance rates.

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

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

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

Knik-Fairview Houston Big Lake Gateway Meadow Lakes Wasilla
Average Insurance Rates $1,163 $1,134 $1,143 $1,185 $1,159 $1,227

Fairview, 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 Fairview, 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)
Knik-Fairview $1,864 $1,575
Wasilla $1,835 $1,550
Houston $1,290 $1,089
Meadow Lakes $1,480 $1,250
Big Lake $1,474 $1,245
Tanaina $974 $823
Lakes $1,387 $1,172
Gateway $1,733 $1,464

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

Teenagers in Fairview, 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 $3,774
20 Years $1,494
30 Years $1,151
40 Years $1,107
50 Years $1,026
60 Years $1,040
70 Years $1,210

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

Car owners in Fairview, 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 $2,024 $302
3 Vehicles $3,035 $454
4 Vehicles $4,047 $605

Savings on 2 Vehicles bundle:$302

Savings on 3 Vehicles bundle:$454

Savings on 4 Vehicles bundle:$605

Fairview, 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 Fairview, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Knik-Fairview $1,163 $1,815
Wasilla $1,227 $1,915
Houston $1,134 $1,770
Meadow Lakes $1,159 $1,809
Big Lake $1,143 $1,784
Tanaina $1,503 $2,346
Lakes $1,513 $2,362
Gateway $1,185 $1,850

Fairview, 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) $998
Excellent (740-799) $1,139
Good (670-739) $1,212
Average (580-669) $1,581
Poor (300-579) $1,897

Fairview, 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 $1,214
Driver's Failure In Showing Documents +$113 $1,276
Driving With An Expired Registration +$120 $1,283
Driving At A Considerably Slow Pace +$252 $1,415
Using A Cellphone While Driving +$266 $1,429
Running A Red Light +$271 $1,434
Speeding +$285 $1,448
Driving A Vehicle Without The Required Permission +$362 $1,525
Driving With An Expired/Suspended License +$784 $1,947

Fairview, 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 $1,116
Active Disabling Device $1,116
Tracking Device $1,093
Passive Disabling Device $1,082