Toksook Bay Auto Insurance Rates, Quotes, Agents & Reviews in AK

Toksook Bay, AK Auto Insurance Rates, Quotes, Agents & Reviews

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


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

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

Toksook Bay Tununak Nightmute
Average Insurance Rates $1,092 $1,985 $1,091

Toksook Bay, 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 Toksook Bay, 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)
Toksook Bay $2,156 $1,821
Tununak $2,045 $1,727
Nightmute $1,124 $949

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

Teenagers in Toksook Bay, 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 $3,543
20 Years $1,403
30 Years $1,081
40 Years $1,040
50 Years $963
60 Years $976
70 Years $1,136

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

Car owners in Toksook Bay, 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 $1,856 $328
3 Vehicles $2,785 $491
4 Vehicles $3,713 $655

Savings on 2 Vehicles bundle:$328

Savings on 3 Vehicles bundle:$491

Savings on 4 Vehicles bundle:$655


Toksook Bay, 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 Toksook Bay, AK.

Location Average Insurance Cost Post DUI Insurance Rate
Toksook Bay $1,092 $1,705
Tununak $1,985 $3,099
Nightmute $1,091 $1,703

Toksook Bay, 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) $937
Excellent (740-799) $1,069
Good (670-739) $1,138
Average (580-669) $1,485
Poor (300-579) $1,781

Toksook Bay, 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 +$48 $1,140
Driver's Failure In Showing Documents +$106 $1,198
Driving With An Expired Registration +$112 $1,204
Driving At A Considerably Slow Pace +$237 $1,329
Using A Cellphone While Driving +$250 $1,342
Running A Red Light +$254 $1,346
Speeding +$268 $1,360
Driving A Vehicle Without The Required Permission +$340 $1,432
Driving With An Expired/Suspended License +$736 $1,828

Toksook Bay, 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 $1,048
Active Disabling Device $1,048
Tracking Device $1,026
Passive Disabling Device $1,016