Some states have very low minimum car insurance requirements, but you find very quickly when you look for the cheapest car insurance in Alaska that the minimum requirements are much higher than other states. In some areas of Alaska, such as Juneau and Anchorage, you may see higher premiums than you would in less populated parts of the state. Regardless of where you live in Alaska, you can still make certain choices that help you get the cheapest car insurance in AK.

Alaska’s minimum car insurance requirements are quite steep. The law requires that your bodily injury liability limit for individuals is $50,000 while the limit for the accident itself is $100,000. For property damage liability, Alaska’s minimum requirement level is $25,000. You can always purchase additional coverage, but if you are looking for the cheapest car insurance in Alaska, you will probably stay with the minimum requirements.

Maintaining a good driving record is a key to keeping your cheapest car insurance in Alaska once you find the right policy. If you have been in an accident or received a speeding ticket, you may be assessed points against your license. These points indicate to the DMV whether you are considered a driving risk, and a high accumulation of points endangers your cheapest car insurance in Alaska. Sometimes you can earn the right to drop points from your license by taking driving courses. Ask your insurance provider what else you can do to ensure you get the cheapest car insurance in Alaska.

Older or less expensive vehicles are another key to finding the cheapest car insurance in Alaska. Because the vehicle would cost less to replace, insurance companies are inclined to give you a break on the insurance premiums. It might surprise you to find out which cars are at risk for being expensive to insure. If getting the cheapest car insurance in AK is important to you, contact your insurance provider before you purchase the vehicle to obtain a quote.

Once you find your cheapest car insurance in Alaska, make sure you retain your driving privileges by keeping proof of your insurance in your car. If you are stopped by an officer and they cannot verify your insurance, you may face heavy fines and your license could be suspended for up to a year. Maintaining the cheapest car insurance in Alaska helps you to avoid this fate because your rates are more affordable. If you need to break your premium into monthly payments in order to make your cheapest car insurance in Alaska even more affordable, do so.

Buying the cheapest car insurance in Alaska does not mean that your vehicle does not have enough protection. Minimum coverage simply assures the state that you have a policy that can cover reasonable amounts of damage and medical bills should you get into an accident. When you get your new policy quote, be sure to ask your carrier what else you can do in order to get the cheapest car insurance in Alaska.