How Much is Car Insurance for Immigrants in Alaska?

Wouldn’t it be awesome if we could magically tell you the one perfect company that has the best auto insurance prices for immigrants? That is not the case, however, as there are a whole slew of unknown factors like the number of miles you drive each year, what level of deductibles you wish to have, your choice of liability limits, and the number of years you have been driving, that all influence how much you pay for auto insurance. This article will discuss the different ways to avoid overpaying and will hopefully give you a good start to your coverage search.

Buying low-priced insurance is not the easiest thing to accomplish, and determining which insurers offer the best insurance rates for immigrants will take additional perseverance.

Each insurance company uses different criteria to determine rates, so let’s begin by taking a look at the insurance companies with the overall best prices in Alaska. It’s a good idea to be aware that Alaska insurance rates are impacted by many factors which can substantially change the cost of your policy. Events like turning one year older, buying a safer car, or getting a ticket for careless driving can trigger changes in premium resulting in some companies being cheaper than competitors.

Lowest Insurance Price Quotes for Migrants

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Umialik quotes some of the cheapest car insurance rates in Alaska at around $901 per year. USAA, State Farm, Progressive, and GEICO would also make the list of some of the cheapest Alaska car insurance companies.

As shown above, if you have coverage with Progressive and switched to Umialik, you could see a yearly savings of roughly $346. Drivers with GEICO could save as much as $1,042 a year, and Allstate customers might reduce prices by as much as $1,496 a year.

It’s important to note that these premiums are averaged for all drivers and vehicles and do not factor in a price discount for immigrants. So the auto insurance company that can offer the best rates for your situation may not even be shown in the rate chart shown above. That helps illustrate why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The car, truck, or SUV requiring insurance is probably the biggest factor when shopping around for cheap auto insurance for immigrants in Alaska. Vehicles with more horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models. The next table features insurance rates for a selection of the most cost-effective automobiles to insure.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can change coverage rates greatly.

Looking at the data, you can expect makes and models like the Ford Escape, Honda CR-V, and Subaru Forester are most likely to be the less-costly vehicles to insure for foreigners.

When shopping for cheaper car insurance for foreigners, one of the many factors that car insurance companies use when figuring the price of your policy is the neighborhood you call home in Alaska. Areas that are more densely populated like College, Anchorage, and Meadow Lakes likely pay more, whereas more rural areas have the luxury of cheap auto insurance for immigrants in Alaska.

The following table shows the most expensive cities in Alaska for immigrants in which to purchase auto insurance.

Information shown are approximated as the garaging address in Alaska can revise coverage prices noticeably.

Ending up with the highest-rated insurer can be difficult considering how many choices you have in Alaska. The company ratings displayed below may help you analyze which car insurance providers to look at purchasing a policy from.

These ratings are only comprised of the largest companies in the United States, so companies that focus mainly on Alaska business are not included in the list. If you wish to compare rates from these and other competitive companies, simply click here.

Which car insurance company is best?

When comparing rates for car insurance for foreigners, probably the best companies to start with are Allstate, Progressive, Geico, and State Farm. All four can cover your vehicle for liability and physical damage, but each one has unique coverages that may influence your choice. The following table compares 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 foreigners?

Thanks to the internet, there are a lot of ways to get cheap insurance quotes in Alaska, but the most prevalent are through an exlusive agent such as State Farm or Allstate, an independent agent, or direct online or over the phone from a company like Geico or Progressive. They all follow the same basic process, but each is slightly different in how they provide rate quotes.

Independent insurance agents are appointed by several companies and can quote your policy with each one. Agents of this type are not employed by only one company and can quote rates with many companies, which can give you more bang for your buck. If cheaper coverage is found, the business is moved internally without having to get a different agent.

Exclusive agents are usually just provide rates from a single company like State Farm and Allstate agents. They are unable to shop your coverage around, so you will not be able to compare their rates to other companies.

Direct insurance buyers skip a local insurance agent and instead buy from a direct company like Geico. Shopping for insurance direct may be the best choice families who do not have a need for a risk management assessment and know more than average about what insurance covers.

So which method is best for finding cheap auto insurance for immigrants in Alaska? The obvious answer would be shopping direct saves the most money since that prevents the need to pay agent commissions, but that generally is not the case. A good argument could also be made that going through an independent agent is the best way to save due to increased selection, but again, it’s not necessarily true. In some circumstances, exclusive agents have really good rates that are well below what direct and independents offer.

Since insurance prices vary so much, the best method to make sure you’re not overpaying for insurance is to get quotes and compare the rates. To find the best rates, be sure to get rate quotes from all three to give yourself the best selection. For a list of companies with some of the cheapest Alaska insurance rates, click here to view.