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

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

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

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

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

Ridgeway Salamatof Kenai Nikiski Kalifornsky Sterling
Average Insurance Rates $1,507 $1,153 $1,159 $1,149 $1,164 $1,531

Ridgeway, 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 Ridgeway, 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)
Ridgeway $1,549 $1,308
Soldotna $1,476 $1,247
Kenai $1,172 $990
Sterling $1,646 $1,390
Kalifornsky $1,542 $1,302
Funny River $1,367 $1,154
Salamatof $1,243 $1,050
Nikiski $1,144 $967

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

Teenagers in Ridgeway, 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 $4,890
20 Years $1,936
30 Years $1,491
40 Years $1,435
50 Years $1,329
60 Years $1,347
70 Years $1,568

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

Car owners in Ridgeway, 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 $2,562 $452
3 Vehicles $3,843 $678
4 Vehicles $5,124 $904

Savings on 2 Vehicles bundle:$452

Savings on 3 Vehicles bundle:$678

Savings on 4 Vehicles bundle:$904

Ridgeway, 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 Ridgeway, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Ridgeway $1,507 $2,352
Soldotna $1,156 $1,805
Kenai $1,159 $1,809
Sterling $1,531 $2,390
Kalifornsky $1,164 $1,817
Funny River $1,159 $1,809
Salamatof $1,153 $1,800
Nikiski $1,149 $1,794

Ridgeway, 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) $1,293
Excellent (740-799) $1,476
Good (670-739) $1,570
Average (580-669) $2,049
Poor (300-579) $2,458

Ridgeway, 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
Kristie Babcock State Farm 10735 Kenai Spur Hwy Ste 1, Kenai, 99611-7859 907-283-7116
Waterbury Agency Llc Allstate 44539 Sterling Hwy Ste 207, Soldotna, 99669 (907) 262-9445
Johnson Insurance Group None 34851 Kenai Spur Hwy 34851 Kenai Spur Hwy, Soldotna, 99669 None
Brown Agency None 110 S Willow St Ste 106, Kenai, 99611 None

Ridgeway, 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 +$66 $1,573
Driver's Failure In Showing Documents +$146 $1,653
Driving With An Expired Registration +$155 $1,662
Driving At A Considerably Slow Pace +$327 $1,834
Using A Cellphone While Driving +$345 $1,852
Running A Red Light +$351 $1,858
Speeding +$369 $1,876
Driving A Vehicle Without The Required Permission +$469 $1,976
Driving With An Expired/Suspended License +$1,016 $2,523

Ridgeway, 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 $1,447
Active Disabling Device $1,447
Tracking Device $1,417
Passive Disabling Device $1,402