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• AK Auto Insurance
• Alaska Auto Insurance Companies

Alaskan Car Insurance Companies – Find Quotes & Compare Rates

Before you purchase liability insurance, you need to find out:

• The TYPE of insurance you need
• How MUCH insurance you need
• How much insurance YOU ALREADY HAVE (perhaps through your employer, spouse, club memberships, etc.)

Information is available from a number of sources

It’s important to do some of your own comparison shopping and it’s easy to do. The best place to start is by sitting down at your computer and doing an internet search. Check out the company websites for specific companies you are interested in. Insurance company websites usually provide basic information and then offer contact information so that you may reach them with specific questions. Also check out the websites of public libraries, consumer groups and the Alaskan Department of Motor Vehicles website.

The next and perhaps the most important step is to get on the phone. A lot of companies will withhold from publishing their current rates because they can fluctuate depending on a lot of different reasons. If you get a person on the phone, you are more likely to get specific and up-to-date information. Call the Alaskan Division of Insurance as well (269-7900). You can find out if any complaints for a specific company are on record.

Things to think about when comparing similar premiums:

• Check out the Alaskan Division of Insurance’s Autombolie Insurance Guide for help finding out which companies are doing business in Alaska.
• When contacting several different companies, make sure you give each one the same information. You want to go with the cheapest one that is offering the best services you need, but be cautious. The cheapest policies often offer less coverage, so you need to make sure you’re getting what you need.
• The quality of service is often as important as the price of a policy. Make sure you are comfortable with the customer service of a company before you agree to any sort of contract.

Understand that an insurance policy is a Legal Contract

Take the time to choose your policy plan with care, because it is a legal contract. There are two parts to the contract: the declarations page and contract language. The declarations page lists your name and specific information concerning your particular coverage. The contract language descrbies the rights and responsibilities of the insurance company and you, the policyholder.

Some, but not all, companies offer you a chance to review the policy before you decide if you want it.

You may also find it helpful to search for insurance company information through the Alaska Division of Insurance Company Search.