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Alaskans must purchase only liability coverage, which protects you when you are financially responsible for an accident. Two types of protection fall under the heading of liability on your Alaska auto insurance policy:
These liability amounts are often referred to as 50/100/25 coverage.
To clarify, bodily injury coverage pays for medical costs, loss of income and funeral expenses incurred by others when they are injured or killed as a result of your negligence. On the other hand, property damage repairs or replaces others' property damaged in the same type of situation.
How Much You Really Need
How much of each type of Alaska auto insurance coverage you should actually buy depends mostly on the cost of medical treatment and vehicle repair in your area. Alaska auto insurance companies consider these factors when pricing your policy.
Experts recommend purchasing more than the state minimums to protect yourself against possible seizure of your home, savings, future wages and other assets in case of an accident. If at fault and sued, you could become financially liable for expenses such as court costs and lawyer fees, as well as any related damages.
As you shop for Alaska auto insurance, discuss these issues with insurers. These experts can help you determine how much you should buy based on your individual situation.
What Determines Cost
Alaska auto insurance companies base premiums on a variety of factors, including those discussed above. Other considerations include age, driving record, marital status, claims history, location and credit history.
Many consumers are not aware that Alaska auto insurance providers calculate premiums based on the driving records of everyone living in their household. This includes other family members and roommates. So keep this in mind when looking for your Alaska auto insurance.
To get the best Alaska auto insurance for the very best price, keep your driving record clean, your credit score high, and your claims history scant.
Where to Get Your Questions Answered
If you have more questions, a licensed Alaska auto insurance agent is your best resource for answers. However, if your agent or provider can't or won't provide the answers you need, contact your Alaska Division of Insurance at 800-467-8725, or reach them online at www.dced.state.ak.us/insurance.
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