Juneau Car Insurance

Your Complete Guide to Juneau, AK Car Insurance

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Juneau Alaska Car Insurance

Car insurance in Juneau, AK, is required if you use the roadways. With a local population of 32,094 residents, insurance is necessary for adequate protection. When you're looking for the best policy in town, consider using a licensed professional. 

An independent insurance agent can help with coverage and premium options. They know the ins and outs of what's required and can help you get protection. Connect with a trusted adviser in minutes. 

Auto Insurance Requirements in Juneau, AK

Car insurance is required at the minimum limits in Juneau, AK. If your coverage does not comply with local law, you could be fined or worse. Check out the required auto insurance for Juneau, AK:

  • A minimum liability of $50,000 per person/ $100,000 per accident/ $25,000 property damage.  

If you get into an accident with an uninsured at-fault driver, you won't have coverage unless you added it. Uninsured/ underinsured motorist insurance will protect against this type of loss. Take a look at the facts:

  • The national average of uninsured motorists: 13.0%
  •  The Alaska average of uninsured motorists: 15.4%

Coverage Options in Juneau, AK

The state minimum limits that you are required to obtain won't supply enough protection for most claims. To have adequate insurance, consider additional coverages. In the meantime, check out some options:

  • Gap coverage: Pays for the difference between your remaining loan balance and the market value when a total loss occurs.
  • Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
  • Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: Will pay for property damage to your vehicle if it is damaged in a non-collision incident like a fire, hailstorm, or vandalism.
  • Collision coverage: Pays for property damage to your car in the event of a crash.

Another way to stay protected is by having an umbrella policy. Umbrella insurance will supply an extra limit of liability that goes above and beyond your underlying car policy. It will apply when a larger claim occurs, and your other limits have been exhausted. 

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What Impacts Your Auto Insurance Premiums in Juneau, AK?

Carriers will look at various items when rating your insurance policies. Personal data and more will be accessed to determine costs. Check out rating factors the insurance companies use below:

  • The coverages you choose
  • Policy discounts that may apply 
  • Your claims history
  • Your insurance score
  • Catastrophes reported 
  • Local crime rates 
  • Your driving record

Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.90
  • Alaska average: 541.90
  • Juneau average: 410.40

To save almost instantly, check out bundling your policies. When you put your auto and home insurance with the same carrier, you'll get a significant discount. It will be upwards of 30% in most cases.

Uber and Other Rideshare Services in Juneau, AK

Personal auto insurance in Juneau, AK, doesn't cover rideshare or for-hire livery services. Instead, a different policy is needed for your operation. Since you are technically running a business, you'll have to get coverage to match.

A commercial auto policy will have the right protection when you drive for Uber. It provides insurance for business-related claims when you are transporting people or parcels. There are several carrier options when it comes to commercial auto insurance. 

How a Juneau, AK Independent Agent Can Help

In Juneau, AK, you are required by law to carry auto insurance. Failure to do so could result in serious fines and more. To ensure you are meeting state guidelines, consider using a trusted adviser.

An independent insurance agent can help with coverage and premium options that won't break the bank. Since they work with multiple markets, you'll get the best deal in town. Connect with a local expert on TrustedChoice to get started.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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