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

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

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


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

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

Sand Point
Average Insurance Rates $1,117

Sand Point, 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 Sand Point, 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)
Sand Point $1,399 $1,181

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

Teenagers in Sand Point, 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 $3,624
20 Years $1,435
30 Years $1,105
40 Years $1,064
50 Years $985
60 Years $999
70 Years $1,162

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

Car owners in Sand Point, 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 $1,899 $335
3 Vehicles $2,848 $503
4 Vehicles $3,798 $670

Savings on 2 Vehicles bundle:$335

Savings on 3 Vehicles bundle:$503

Savings on 4 Vehicles bundle:$670


Sand Point, 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 Sand Point, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Sand Point $1,117 $1,744

Sand Point, 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) $958
Excellent (740-799) $1,094
Good (670-739) $1,164
Average (580-669) $1,519
Poor (300-579) $1,822

Sand Point, 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 +$49 $1,166
Driver's Failure In Showing Documents +$108 $1,225
Driving With An Expired Registration +$115 $1,232
Driving At A Considerably Slow Pace +$242 $1,359
Using A Cellphone While Driving +$256 $1,373
Running A Red Light +$260 $1,377
Speeding +$274 $1,391
Driving A Vehicle Without The Required Permission +$347 $1,464
Driving With An Expired/Suspended License +$753 $1,870

Sand Point, 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 $1,072
Active Disabling Device $1,072
Tracking Device $1,050
Passive Disabling Device $1,039