Point Hope Auto Insurance Rates, Quotes, Agents & Reviews in AK

Point Hope, AK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Point Hope, 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 Point Hope, 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.

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

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

Point Hope
Average Insurance Rates $1,978

Point Hope, 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 Point Hope, 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)
Point Hope $1,556 $1,315

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

Teenagers in Point Hope, 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 $6,418
20 Years $2,541
30 Years $1,958
40 Years $1,883
50 Years $1,744
60 Years $1,768
70 Years $2,058

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

Car owners in Point Hope, 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 $3,481 $475
3 Vehicles $5,222 $712
4 Vehicles $6,963 $949

Savings on 2 Vehicles bundle:$475

Savings on 3 Vehicles bundle:$712

Savings on 4 Vehicles bundle:$949

Point Hope, 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 Point Hope, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Point Hope $1,978 $3,088

Point Hope, 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) $1,697
Excellent (740-799) $1,937
Good (670-739) $2,061
Average (580-669) $2,689
Poor (300-579) $3,226

Point Hope, AK Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Moore & Alvord Agency Inc Travelers 690 MAIN ST, WINSTED, 6098 860-379-7535
Moore & Alvord Insurance Agency Inc None 690 Main St, Winsted, 6098 None
Chelsea Gomez Allstate 40 Park Pl E, Winsted, 6098 (860) 379-2791
Founders Insurance Group Inc Liberty Mutual Independent 1300 Winsted Rd, Torrington, 6790 None
Charles Rio State Farm 370 Ethan Allen Hwy, Ridgefield, 06877-4723 203-438-5311
Noorddin T. Meghani Allstate 64 Federal Rd, Danbury, 6810 (203) 798-1800
Peter M Bakker Agency Inc Liberty Mutual Independent 302 W MAIN ST STE 206, AVON, 6001 860-676-1957
Brian Tobin Farmers 44 Old Ridgebury Rd Ste 100, Danbury, 6810 (475) 329-6470

Point Hope, 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 +$87 $2,065
Driver's Failure In Showing Documents +$192 $2,170
Driving With An Expired Registration +$204 $2,182
Driving At A Considerably Slow Pace +$429 $2,407
Using A Cellphone While Driving +$453 $2,431
Running A Red Light +$461 $2,439
Speeding +$485 $2,463
Driving A Vehicle Without The Required Permission +$615 $2,593
Driving With An Expired/Suspended License +$1,333 $3,311

Point Hope, 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 $1,899
Active Disabling Device $1,899
Tracking Device $1,859
Passive Disabling Device $1,840