Best Cheap Auto Insurance Quotes for a 20 Year Old Male in Alaska

It’s impossible to miss the captivating commercials from car insurance companies like Nationwide and State Farm guaranteeing big savings, so drivers should just pick the one with the catchiest commercial, right?

It’s not that easy, however, as there are a whole slew of unknown factors such as if you need full coverage or liability-only, your credit score, and your gender. We are going to cover the best ways to avoid paying too much and should give you a good beginning to your quest for cheaper car insurance.

Locating affordable auto insurance is easier said than done, and finding out which insurers offer the cheapest auto insurance rates for 20 year old guys involves even more perseverance. Coverage prices could be significantly greater than the state average, with the increase attributed to the potential for higher claims related to selling coverage for young men, but competitive coverage may be available if you thoroughly shop around. Every auto insurer uses their own formula for determining rates, so we’ll go over the auto insurance companies that tend to be cheaper in Alaska.

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Umialik normally has some of the best car insurance rates in Alaska at around $901 each year. USAA, State Farm, Progressive, and GEICO are also some of the lowest-priced Alaska auto insurance companies.

In this example, if you are a policyholder with Progressive and switched to Umialik, you could earn savings of roughly $359. Insureds with GEICO might save as much as $1,061 a year, and Allstate insureds might realize rate reductions of up to $1,426 a year.

Bear in mind that those prices are averaged across all ages of drivers and types of vehicles and do not take into consideration a rate increase for 20 year old guys. So the company that is best for you may not even be featured in the list of companies above. That helps illustrate why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

When shopping for insurance for young men, one of the many things that is used by insurance companies to calculate the amount you pay for auto insurance is where you call home. Regions with more people or even just more weather-related claims like Anchorage, Wasilla, and Palmer tend to pay higher rates, whereas areas that tend to be more rural can boast about having cheaper rates.

The table below ranks the most expensive cities in Alaska for 20 year old guys in which to purchase auto insurance.

Annual rates are estimated as specific location information can raise or lower premium rates noticeably.

The make and model of vehicle needing coverage is one of the largest considerations when comparison shopping for the lowest-priced coverage for 20 year old guys. Vehicles with high performance features, poor passenger safety features, or high incidents of liability claims will cost substantially more to insure than more modest models. The lists below illustrates auto insurance rates for a number of the cheaper vehicles to insure.

Prices above based on single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific zip code location which can modify rates significantly.

Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates significantly.

Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific garaging location which can modify coverage prices substantially.

Selecting the top car insurance company is difficult considering how many companies are available to choose from in Alaska. The ranking information in the next section may help you pick which coverage providers you want to consider when comparing auto insurance rates for 20 year old guys. These rankings are for large insurance companies, so smaller companies that only insure vehicles in Alaska are not factored into the list.

Progressive, Allstate, Geico, or State Farm: Who is best?

When shopping for car insurance, the four most popular companies are Progressive, Allstate, Geico, and State Farm. When combined, they make up over 45% of all auto insurance policies in force. The following table ranks ratings and policy coverage options you can expect with each one.

How to get the best cheap car insurance for 20 year old guys in Alaska

The list below shows some of the better thrifty ideas that can help Alaska drivers buy more affordable car insurance.

• Raise deductibles to save money
• Drive attentively and avoid accidents
• Save money by only buying liability coverage for older vehicles
• Try paying for small claims out-of-pocket
• Violations like speeding or DUI increase rates
• Shop your coverage around for the best deal

The last idea is extremely necessary, as we noted in the prior information. Coverage prices in Alaska change constantly, so you should be ready to buy a policy from a new company if a better deal can be had.

Sticking with a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you a lot of money every month. If you have a few minutes, compare prices and find cheaper insurance for 20 year old guys.

Who has the cheapest insurance quotes for young men?

Drivers have many ways to shop around for auto insurance in Alaska, but the most common methods are from an exclusive insurance agency like Liberty Mutual or Allstate, an independent agent, or direct online or over the phone from a company like Geico or Progressive. All three ways are similar, but they are slightly different in how they work.

Independent insurance agents have contracts with multiple insurance companies and can get policy pricing from each one. They are able to provide you with more rates, which can give you improved odds of finding cheaper coverage. If premiums increase, your agent can switch companies without having to get a different agent.

An agent who is captive is ‘exlusive’ to a single insurance company, for example Allstate or State Farm agents. These agents are unable to place coverage with different providers, so if finding the cheapest auto insurance is your goal, you will want to shop around.

The final way is buying direct, which means you do not use an agent and instead buy direct either online or via phone. Buying auto insurance direct may be a decent choice families who do not need high levels of coverage and have a decent understanding of the limitations of their policy.

When shopping for auto insurance, which way works best for finding the best cheap car insurance for 20 year old guys in Alaska? Most people assume that buying from a direct car insurance company results in the cheapest price since that eliminates agent commissions, but unfortunately, it’s not that cut and dried. We could also say that an independent agency guarantees the best prices because you have more choices, but again, it’s not a sure thing. In the right set of circumstances, exclusive agents have really good rates that are well below what direct and independents offer.

Due to that fact that auto insurance uses so many rating variables, the best method to get rock-bottom rates is to get quotes and compare. Industry experts recommend getting price quotes from independent, exclusive, and direct in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.