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.
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 Rates
- Fairview, AK Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Fairview, AK
- Multi Vehicle Insurance Savings in Fairview, AK
- How Credit Score Affects Car Insurance Rates in Fairview, AK
- How DUI Affects Auto Insurance Premiums in Fairview, AK
- How Driving Violations Affect Auto Insurance Rates in Fairview, AK
- Fairview, AK Auto Insurance Discounts on Anti Theft Feature
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 |