Auto Insurance in Anchorage, AK
No matter where you are in the process, just starting to shop for car insurance, hunting for a better rate, or ready for a new policy altogether, Alaska Service Agency has you covered. Let our local agents do the legwork of comparing carriers; bundle your auto with a home or specialty policy and you could save even more.
The Best Auto Insurance and Car Insurance Rates from an Independent Agent
Our agents go the extra mile to make sure you and your family get a fair rate on car insurance. Beyond finding a policy that matches your needs, you'll get the kind of personal, top-notch service Alaska Service Agency has built its name on.
Fast Car Insurance Quotes
Shopping for car insurance can feel overwhelming; let us take that off your plate. Our team gathers quotes from multiple carriers and lays out the best options for your budget and needs. We'll walk you through rate comparisons, available discounts, and flexible payment plans, plus share a few money-saving tips along the way. Get your quote today!
Here's a quick rundown of coverage types, so you know how much protection is right for you.
- Standard and Preferred Auto Insurance
- High-Risk auto Insurance
- Classic autos / High Valued Autos
- Special program for Mature/Elderly Drivers
- Discounts that are available
- Recreational vehicles / Boats
Collision and comprehensive (other than collision) coverages
Collision and comprehensive coverage both pay for damage to your vehicle, and you can carry either or both on each car you own. If you're financing or leasing, your lender will likely require both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Both coverages come with a deductible, typically ranging from $100 to $1,000. If your car is damaged, your insurer covers the cost above that deductible, so a higher deductible generally means a lower monthly premium.
Liability coverage
Liability coverage steps in when you're at fault in an accident, covering injuries to others and damage to their property.
Medical Payments coverage
Medical Payments coverage helps pay medical bills for you and your passengers after an accident, regardless of fault, up to your policy limit. If everyone in the car already has solid health insurance, you may be able to skip this add-on.
Uninsured/Underinsured Motorist coverage
This protects you if you're hit by a driver with no insurance, or not enough of it, to cover your injuries, and it also applies if you're the victim of a hit-and-run.
Optional coverage
Want a little extra peace of mind? Optional add-ons like towing, rental reimbursement, and roadside assistance aren't required, but plenty of drivers find them worth having.
How much do I need?
The right amount of coverage depends on you, what you have to protect (liability), what your vehicle is worth (collision and comprehensive), what you can comfortably pay out of pocket (your deductible), and how much risk you're willing to carry.
Frequently Asked Questions about Auto Insurance
Who has the cheapest auto insurance?
No one company always offers the cheapest auto insurance. You should shop your auto insurance with an independent agent so they can quote you multiple companies at once so then you can compare coverage and pricing that suits your needs and budget.
What insurance is required for a car?
Typically, liability insurance is the only required insurance coverage. Beyond that, if you have a loan on your vehicle your lender will require you to carry full coverage on the vehicle until it is paid off.
Who has the best auto insurance?
The best auto insurance is the company that has the best coverage and pricing for your situation. No one company offers "the best car insurance." It is purely dependent on your needs, budget, and coverage requirements.
