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

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

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


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

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

Seward-Hope census Lowell Point Seward Bear Creek Primrose
Average Insurance Rates $1,161 $2,006 $1,160 $1,111 $1,397

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 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)
Seward-Hope census $1,117 $943
Lowell Point $2,066 $1,745
Seward $1,174 $992
Bear Creek $1,438 $1,215
Primrose $1,439 $1,215

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

Teenagers in 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 $3,767
20 Years $1,492
30 Years $1,149
40 Years $1,105
50 Years $1,024
60 Years $1,038
70 Years $1,208

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

Car owners in 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 $1,997 $325
3 Vehicles $2,995 $488
4 Vehicles $3,994 $650

Savings on 2 Vehicles bundle:$325

Savings on 3 Vehicles bundle:$488

Savings on 4 Vehicles bundle:$650


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 Hope, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Seward-Hope census $1,161 $1,812
Lowell Point $2,006 $3,131
Seward $1,160 $1,811
Bear Creek $1,111 $1,734
Primrose $1,397 $2,181

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) $996
Excellent (740-799) $1,137
Good (670-739) $1,210
Average (580-669) $1,578
Poor (300-579) $1,894

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 +$51 $1,212
Driver's Failure In Showing Documents +$113 $1,274
Driving With An Expired Registration +$120 $1,281
Driving At A Considerably Slow Pace +$252 $1,413
Using A Cellphone While Driving +$266 $1,427
Running A Red Light +$271 $1,432
Speeding +$284 $1,445
Driving A Vehicle Without The Required Permission +$361 $1,522
Driving With An Expired/Suspended License +$783 $1,944

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 $1,115
Active Disabling Device $1,115
Tracking Device $1,091
Passive Disabling Device $1,080