Who Has Cheap Car Insurance Quotes for a School Permit in Alaska?

Trying to find cost effective insurance is confusing at best, and deciding which insurers offer the lowest-priced car insurance rates for a school permit takes a bit more work. Policy prices could be much higher than the state average, with the increase attributed to the potential for higher claims related to selling insurance for a learners permit, but reasonably-priced coverage may be achievable if you thoroughly shop around. Each company uses their own method to set policy rates, so we’ll go over the car insurance companies with the overall cheapest rates in Alaska.

It’s a good idea to be aware that Alaska car insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. This price fluctuation is why it is important to spend some time comparing rates to get cheap insurance quotes for a school permit. Insurance prices are determined by many different factors and can change without notice, so the best option the last time you shopped your coverage around may now be quite expensive.

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Umialik offers some of the cheapest car insurance rates in Alaska at around $892 a year. USAA, State Farm, Progressive, and GEICO also are some of the cheaper Alaska insurance companies.

As illustrated above, if you currently have a policy with Progressive and switched to USAA, you could see yearly savings of in the vicinity of $331. Drivers with GEICO may save as much as $1,033 a year, and Allstate policyholders might reduce prices by as much as $1,374 a year.

To discover how much you can save, click here to begin a quote or visit any of the companies below.

Be aware that those prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with a price surcharge for a school permit. So the company that has the cheapest rates for you may not even be featured in the list of companies shown earlier. That’s why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

The type of vehicle on the policy is one of the main factors when shopping around for cheap auto insurance for a school permit in Alaska. Vehicles with lower acceleration and performance, good crash test ratings, or a low likelihood of liability claims will cost much less to insure than high performance models. The tables below showcases auto insurance prices for a selection of the cheaper vehicles to buy insurance for.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise price quotes substantially.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific location which can decrease or increase prices noticeably.

Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in garaging location in Alaska which can affect auto insurance rates noticeably.

Drive safe and save

The common sense way to receive the best car insurance prices for a learners permit is to pay attention while driving and avoid at-fault accidents and violations. The information below shows how traffic citations and at-fault collisions can raise auto insurance costs for different age groups. Data assumes a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

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In the previous example, the average cost of car insurance in Alaska per year with a clean driving record and no accidents is $2,095. Get one speeding ticket and the average cost jumps to $2,359, an increase of $264 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of car insurance for a school permit goes up to an average of $3,114. That’s an increase of $1,019, or $85 per month, just for not being a responsible driver!

Which car insurance company is best?

When comparing rates for auto insurance, four good companies to start with are Geico, Progressive, State Farm, and Allstate. The next table breaks down price, claims, and customer service ratings, as well as some optional coverages that are available from each company.

Who has the cheapest insurance quotes for a learners permit?

Consumers have many ways to shop for and buy car insurance in Alaska, but the most preferred are through an independent agent, an exclusive insurance agency such as State Farm or Liberty Mutual, or from a direct company like Progressive. You can use whichever you prefer, but each is slightly different in how they function.

Independent insurance agencies write business for many companies and can provide price quotes from every one. They do not work for one specific company and can compare multiple rates, which can help you get a better chance of finding cheaper coverage. If you want to switch companies, the business is moved internally and you can remain with the same agent.

An agent who is captive is restricted to quoting rates for a single insurance company, two examples being Farmers Insurance or State Farm agents. Exclusive agents generally are unable to provide rates from more than one company, so it’s a good idea to shop around.

Drivers who opt to buy car insurance direct do not use an agent and buy from a direct company like Geico or Progressive. This option is good for families who do not need advice for asset protection and have some degree of understanding of what coverage options they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding cheap auto insurance for a school permit in Alaska? The majority of car insurance shoppers assume that buying from a direct car insurance company results in the best prices because there is no agent taking a commission, but in reality, that is not true. A good argument could also be made that using an independent agent is the best way to go because they can quote many companies, but again, that’s not a true statement. In many circumstances, the exclusive agents may have very competitive prices well below independent agents AND direct companies.

Due to that fact that car insurance uses so many rating variables, the one way to ensure the lowest rates is to get as many comparison quotes as possible. If you have the time, get price quotes all three ways to have the best rate selection. For a list of companies with some of the cheapest Alaska car insurance rates, click here to view.