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January 1, 2010 12:58 PM | Alaskan Photo Tours

How much is true I need my car insurance in Alaska?

It is the never-ending battle between car insurance car insurance too little and car insurance you can afford! Most people are at an impasse when they first go to buy a car insurance policy Alaska, divided by making sure your car is covered in case of apocalypse and not break the bank when they write that check every month premium. So the question is, how you really need insurance?

Responsibility

When talking about the insurance you must take place in the insurance you want to have you always want to start with an in-depth and lengthy discussion about responsibility. Responsibility is going to pay the car repair bill from the other person (and the glass screen that crashed) after having been responsible for an accident and includes responsibility for bodily injury (a fancy way of saying "medical bills) and damage to property.

According to officials the State Of Alaska is only required to carry $ 25,000 liability for property damage, $ 50,000 bodily injury liability (per person) and a value of $ 100,000 bodily injury liability (by accident). Anything you buy above and beyond that point is only going to be the icing on the cake! Of course, just because that's all the state's car insurance says you need, does not mean that all we really need to protect you when going down the road.

Thanks to the rising cost of health care, treatment after an accident can eat through $ 100,000 in the blink of an eye. That's why most experts recommend you carry a minimum amount of $ 100,000 per person and $ 300,000 per accident in bodily injury liability $ 100,000 property damage liability, because you never know when your dream of being in a ten-car pile-up will become a reality.

Complete / Collision

If you have a lien on your car, because we had to take financing to buy (and who does not these days?) you can stop reading here. Your lender is absolutely, positively going to require the purchase of both comprehensive and collision coverage on your car insurance company in Alaska. That way, when you have a close encounter of the head sort of collision with a respected member of the local fauna are not paying quite enough attention when you're not on the road, they know that they will recover their investment.

I would not try to get another car loan from them for a while, though!

If you own your vehicle free and clear that you currently have an option here. Driving without comprehensive and collision on your car insurance cheaper is, no doubt, but if you total your car does not have a penny back from the insurance company to help you take the first steps toward purchasing a new one. Even if your car is only worth $ 2,000, which is $ 2,000 can be allocated to a payment on your next set of wheels.

Remember that while you still can afford to pay the premiums on your car insurance policy in Alaska is almost impossible to be more secure. So your car and your budget the way!

About the Author

Mike McDonough is a National Account Representative for QuoteScout.com, where they’re specializing in helping people get the best rates on their home and auto insurance. To find out more about your Alaska Car Insurance, visit them on the web at http://www.QuoteScout.com.

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