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

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

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

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

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

Average Insurance Rates $2,038

Kotlik, 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 Kotlik, 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)
Kotlik $1,606 $1,356

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

Teenagers in Kotlik, 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 $6,613
20 Years $2,619
30 Years $2,017
40 Years $1,941
50 Years $1,797
60 Years $1,822
70 Years $2,121

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

Car owners in Kotlik, 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 $3,465 $611
3 Vehicles $5,197 $917
4 Vehicles $6,929 $1,223

Savings on 2 Vehicles bundle:$611

Savings on 3 Vehicles bundle:$917

Savings on 4 Vehicles bundle:$1,223

Kotlik, 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 Kotlik, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Kotlik $2,038 $3,181

Kotlik, 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) $1,749
Excellent (740-799) $1,996
Good (670-739) $2,124
Average (580-669) $2,771
Poor (300-579) $3,324

Kotlik, 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 +$90 $2,128
Driver's Failure In Showing Documents +$198 $2,236
Driving With An Expired Registration +$210 $2,248
Driving At A Considerably Slow Pace +$442 $2,480
Using A Cellphone While Driving +$467 $2,505
Running A Red Light +$475 $2,513
Speeding +$499 $2,537
Driving A Vehicle Without The Required Permission +$634 $2,672
Driving With An Expired/Suspended License +$1,374 $3,412

Kotlik, 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 $1,956
Active Disabling Device $1,956
Tracking Device $1,916
Passive Disabling Device $1,895