How Much is Auto Insurance for Nurses in Alaska?

The vehicle model to be insured is one of the biggest factors when comparison shopping for cheap car insurance for nurses in Alaska. Vehicles with higher performance characteristics, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than more modest models. The data below features auto insurance prices for the cheaper vehicles to insure in Alaska.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in your specific Alaska location which can decrease or increase insurance rates significantly.

Looking at the numbers, you can figure that cars like the Honda CR-V, Chevrolet Traverse, Ford Escape, Ford Edge, and Toyota Sienna are most likely to be the cheaper vehicles to insure for health professionals.

For health professionals, one of the largest criteria that is looked at to determine auto insurance rates is where you keep your vehicle in Alaska. Cities with larger populations or higher claims like Palmer, Meadow Lakes, and Wasilla tend to have higher auto insurance costs, whereas areas that tend to be more rural benefit from lower rates.

The table below lists the priciest cities in Alaska for nurses to purchase auto insurance in.

Premium costs are approximated as the specific geographic location can alter price quotes substantially.

Establishing which company quotes the most affordable car insurance rates for nurses will require more work in order to find the lowest price quote. Each auto insurance company uses a different method for setting prices, so we’ll go over the car insurance companies with the overall best prices in Alaska.

It’s important that readers know that Alaska car insurance rates are impacted by many things which can substantially decrease or increase the cost of having a policy. Improving your credit rating, getting married, or having an accident may prompt premium changes that can cause some rates to be cheaper than before.

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Umialik normally has some of the most affordable car insurance rates in Alaska at around $901 each year. USAA, State Farm, Progressive, and GEICO also make the cut as some of the cheapest Alaska insurance companies.

In the above example, if you currently have a policy with USAA and switched to Umialik, you might see yearly savings of around $66. Alaska drivers with State Farm may save as much as $104 a year, and Progressive insureds might lower prices by up to $346 a year.

Remember that these premium estimates are averages for all drivers and vehicles in Alaska and and are not calculated with a rate discount for nurses. So the auto insurance company that fits you best may not even be included in the rate chart shown above. That point stresses why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Discounts on cheap car insurance for nurses in Alaska

Auto insurance companies that provide policies for nurses may also provide price discounts that could reduce prices by as much as 25% or more if you meet eligibility requirements. A few of the larger companies and a partial list of their discounts are outlined below.

The chart below illustrates the difference between insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or driving violations, Alaska state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, multiple policy, anti-theft, homeowner, safe-driver, and multiple vehicle discounts applied. When these discounts are applied, the the average amount saved on car insurance for nurses is 13% or $143.

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How to find cheaper auto insurance for nurses

It is possible to find better rates, and here are some money-saving solutions that can help Alaska drivers get the cheapest coverage.

• At-fault accidents will increase rates
• If possible, do not file small claims
• Save money by observing traffic laws and speed limits
• Bundle home or renters insurance to earn a discount on car insurance
• Increase your policy deductibles
• Better credit rating means better rates
• Compare rates and switch if you can find a better deal

The last tip is extremely significant, as was stressed in this article. Coverage rates go up and down frequently, so drivers shouldn’t hesitate to buy a policy from a new company if you can find a cheaper rate. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty results in overpaying money that could be spent on other things. It only takes a couple minutes to shop around and find cheaper insurance for nurses.