{"id":43775,"date":"2023-06-15T12:08:59","date_gmt":"2023-06-15T19:08:59","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=43775"},"modified":"2023-09-22T04:09:24","modified_gmt":"2023-09-22T11:09:24","slug":"fairbanks-car-insurance","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/alaska\/fairbanks-car-insurance\/","title":{"rendered":"Fairbanks Car Insurance"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648269ae98f00\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Everything You Need to Know about Auto Insurance in Alaska<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Fairbanks offers one of the more natural beauty spots in the country. It is located amid Alaska&#8217;s wilderness and is close to revered nature preserves like Denali National Park. It is also a prime viewing spot for the Northern Lights. This natural phenomenon creates colorful green streaks throughout the night sky thanks to a unique energy-producing interaction between the Sun and Earth&#8217;s magnetic fields.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Some of Fairbanks&#8217;s most well-known attractions include the Museum of the North, Chena Hot Springs, Pioneer Park, Alaska Native Heritage Center, and the Morris Thompson Cultural Center.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">If you want to drive legally in Alaska, you must have an auto insurance policy. For more information on <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/alaska\/\">car insurance in Alaska<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> including average premiums paid by zip code and available discounts, continue reading below.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648269c998f01\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Fairbanks, AK?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The average monthly premium paid by Fairbanks residents for liability-only coverage is $30 versus $120 for full coverage. For perspective, the average monthly full coverage premium paid in the nation is $148, while the minimum liability is $47.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Getting a Free Auto Insurance quote with Freeway is easy!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648269f198f03\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <h3 style=\"text-align: left;\"><b>Reasons Why Insurance is Expensive in Alaska<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Auto insurance tends to be on the higher side in Alaska due to several reasons:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sparse Population: <\/b><span style=\"font-weight: 400;\">Alaska&#8217;s large land area and low population density mean that auto accidents may take longer to be responded to and serviced. With towns spread out, critical resources such as repair shops and hospitals may be limited, leading to higher car insurance premiums.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>High Cost of Living: <\/b><span style=\"font-weight: 400;\">The overall high cost of living in Alaska contributes to higher auto insurance premiums. The increased expenses for repairs, medical bills, and other services required after an auto accident are reflected in the insurance premiums.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited Insurance Competition: <\/b><span style=\"font-weight: 400;\">Compared to more densely populated states, Alaska has a smaller number of auto insurance providers. This lack of competition within the region can result in higher rates as insurers have less incentive to offer competitive prices.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Drivers in Alaska need to be aware of these factors and take steps to mitigate the costs. Shopping around for different insurance providers, maintaining a good driving record, and considering options for discounts and bundling policies can help drivers find more affordable auto insurance rates.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Remember, auto insurance premiums can also be influenced by individual factors such as driving history, age, type of vehicle, and coverage options. It&#8217;s always recommended to <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/compare\/\">compare quotes from multiple insurance companies<\/a><\/strong><span style=\"font-weight: 400;\"> to find the best coverage at the most competitive price for your specific circumstances.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_64826a2198f04\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">Affordable Car Insurance Rates Comparison by Cities in Alaska<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Check out our breakdown below for the average monthly premium paid in other Alaska cities:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><b>Fairbanks<\/b><\/td>\n                                                                                            <td><b>$130<\/b><\/td>\n                                                                                            <td><b>$30<\/b><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Anchorage<\/td>\n                                                                                            <td>$140<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Juneau<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Sitka<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Ketchikan<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_64826a7a98f05\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>Low-Cost Car Insurance Rates by Age in Fairbanks<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Some zip codes have a higher risk associated with them than others. This is due to the number of accidents, claims, vandalism incidents, thefts, and other higher-risk behaviors in the region. But, again, remember population density and crime rates.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For the average monthly premium paid by Fairbanks residents by zip code, see our breakdown below:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>99701<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99702<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99703<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99705<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99706<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99707<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99708<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99709<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99710<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99711<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99712<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99714<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99716<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>99775<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_64826b5698f06\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>Low-Cost Car Insurance Rates by Age in Fairbanks, AK<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Age is one of the heaviest deciding factors insurance companies use to determine auto insurance premiums. <\/span><strong><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/car-insurance-for-teens\/\">Younger drivers<\/a><\/strong><span style=\"font-weight: 400;\"> under 25 are generally classified as higher risk, thanks to a lack of driving experience.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For the average monthly premium paid by Fairbanks residents by age, see our breakdown below:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$370<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$150<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$140<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p style=\"text-align: left;\"><b><i>* Methodology:<\/i><\/b><i><span style=\"font-weight: 400;\"> To calculate our average monthly premiums, we use the state minimum liability carrying a 30-year-old male. Premiums paid change from person to person depending on their age, gender, driving record, and dozens of other variables insurance companies use to determine your risk level.<\/span><\/i><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_64826c2398f08\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Fairbanks, Alaska<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>How Many Fatal Accidents Happen in Fairbanks?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In 2020, there were four fatal road traffic accidents in Fairbanks involving five people, including one pedestrian.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>How Are the Road Infrastructure and Bridges in Fairbanks?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Fairbanks has an active public works department responsible for more than 340 road lane miles. In addition, it maintains all city streets and utilities, including storm drain systems, snow removal, garbage collection, and City Vehicle maintenance.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">One of its most significant initiatives is snow removal during the winter months. Thanks to Fairbanks&#8217;s extreme weather, there is a crucial focus on snow plowing and removal. These initiatives go well into the spring months&#8217; work when it continues to snow.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote c-quick-office\">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                                                <img decoding=\"async\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/office-quote.svg\" alt=\"Image office\" class=\"c-quick-small__img\">\n                                \n                <h2 class=\"c-quick-small__title c-quick-small__title--blue\">Find an office near you to help with your auto insurance<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form\" action=\"https:\/\/locations.freeway.com\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Search by Zip Code, City or State<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote \" type=\"text\"  name=\"search\" id=\"address\" maxlength=\"50\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" name=\"latitude\" value=\"\">\n                    <input type=\"hidden\" name=\"longitude\" value=\"\">\n                    <input type=\"hidden\" name=\"radio\" value=\"20\">\n                    <input type=\"hidden\" name=\"time\" value=\"open-any\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--blue-green c-button--text-big\" type=\"submit\">Find<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_64826c3a98f09\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Fairbanks, AK<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The minimum auto insurance requirements for Fairbanks drivers are:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$50,000 per person for <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\">bodily injury or death liability<\/a><\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$100,000 per accident for bodily injury or death liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$25,000 per accident for <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/property-damage\/\">property damage liability<\/a><\/strong><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Referred to as 50\/100\/25 coverage, these liability limits may not be enough in a serious at-fault accident. Therefore, we highly recommend purchasing additional coverage beyond the minimum. With the average cost of a new vehicle exceeding $40,000, a multi-vehicle pileup could eclipse Alaska&#8217;s $25,000 in property damage liability per accident requirement.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_64826c7998f0b\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Fairbanks, AK?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Thanks to Alaska&#8217;s Mandatory Insurance and Financial Responsibility Laws, everyone in the state must have an active auto insurance policy to drive legally. Failure to do so will result in the following:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$500 fine<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">90-day driver&#8217;s license suspension for first offenders<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1-year driver&#8217;s license suspension for second offenders<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">3-year driver&#8217;s license suspension if determined to be at fault in an accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Standard $20 license fee<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$15 road test retake fee<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$100 reinstatement fee for first-time offenders<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$250 reinstatement fee for second-time offenders<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">To reinstate your driving privileges, expect a file for an <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">SR-22<\/a><\/strong><span style=\"font-weight: 400;\">, a certificate of financial responsibility that guarantees you carry the minimum required liability insurance.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Remember, all Alaska drivers must carry $50,000 per person for injury liability, $100,000 per accident for bodily injury liability, and $25,000 per accident for property damage liability.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_64826cd198f0c\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Fairbanks Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">There are many factors auto insurance companies use to determine the premiums Fairbanks drivers pay, including:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gender<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle make and model<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Amount of <\/span><strong><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/what-is-a-deductible\/\">deductible<\/a><\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability limits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enrollment in any discount programs<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Remember that your premiums are subject to change based on life events. For example, switching to another make and model vehicle could cut your monthly premium by 20%. It&#8217;s always a good idea to check with auto insurance companies to see what factors they use to determine the rates.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_64826d0c98f0d\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Happens if I Damage Property?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">If you damage someone else&#8217;s property, such as a vehicle or house, your policy should cover the cost of damages up to specific limits. For instance, if you have $25,000 in property damage coverage, your auto insurance will pay out claims worth up to $25,000 before you are responsible for the rest.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Once you damage someone else&#8217;s property, the following steps typically occur:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Filing a Claim: <\/b><span style=\"font-weight: 400;\">Immediately after damaging someone&#8217;s property, contact your insurance company to initiate the claims process. Provide them with all the details of the accident, including the date, location, and a clear description of what happened. If possible, provide photos or videos as evidence.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">I<\/span><b>nvestigation: <\/b><span style=\"font-weight: 400;\">Once your insurance company receives the claim, they will conduct an investigation. An adjuster may be sent to inspect the damage and provide estimates for repairs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coverage Compensation: <\/b><span style=\"font-weight: 400;\">Once the adjuster has calculated the estimated cost of repair, you can proceed with repairs or replacement of the damaged property. It&#8217;s important to note that you may be responsible for paying a deductible out of pocket, which is typically around $500 or $1,000.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">It&#8217;s crucial to promptly report the incident to your insurance company and provide accurate information to ensure a smooth claims process. Keep in mind that the specifics of the process may vary depending on your insurance company and policy terms. Reviewing your policy and understanding the coverage limits and deductibles related to property damage will help you navigate the situation effectively.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_64826d3498f0e\" class=\"c-section c-section--bottom-0-spacing\">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">What are the Best Car Insurance Discounts in Fairbanks, AK?<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">There are many <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\">auto insurance discounts<\/a><\/strong><span style=\"font-weight: 400;\"> Fairbanks drivers can take advantage of to lower their premiums by a few dollars every month, including:<\/span><\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/02\/bundle.svg\" alt=\"Home and Car Icon\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/\">Bundled insurance<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/anti-theft-car-discount\/\">Anti-theft device installation<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/05\/6425801_driver_job_man_occupation_profession_icon-1-1.svg\" alt=\"Icon Non Owner Car Insurance\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/good-driver-discounts\/\">Good driver<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/college-student-drivers\/\">Good student<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/multi-car.svg\" alt=\"Blue icon of two cars\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-car-discounts\/\">Multi-vehicle<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/military-discounts\/\">Military members<\/a><\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">One of the most popular auto insurance discounts is <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/low-mileage-insurance-discount\/\">low mileage<\/a><\/strong><span style=\"font-weight: 400;\">, offered to drivers who drive less than the average number of miles per year.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Another popular discount is a safety discount, awarded to drivers who install daytime running lights, GPS tracking systems, anti-lock brakes, <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/anti-theft-car-discount\/\">anti-theft devices<\/a><\/strong><span style=\"font-weight: 400;\">, car alarms, and similar technology to risk-proof their vehicles.<\/span><\/p>\n<p>&nbsp;<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_64826e3398f15\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get an Online Quote for Car Insurance in Fairbanks Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2023\/06\/FairbanksAK-1.jpg\" alt=\"Aerial View of the Fairbanks, Alaska Skyline during Summer\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">If you&#8217;re looking for an <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\">affordable<\/a><\/strong><span style=\"font-weight: 400;\"> auto insurance policy, then Freeway Insurance has plenty of options for you to choose from.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">It is effortless to get started with Freeway Insurance. You may visit us <\/span><strong><a href=\"#modal-turbo\">online<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> at a <\/span><strong><a href=\"http:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\">location<\/a><\/strong><span style=\"font-weight: 400;\"> near you, or call <\/span><strong><a href=\"tel:800-777-5620\">800-777-5620<\/a><\/strong><span style=\"font-weight: 400;\"> to receive a quote from one of our friendly agents. So get in touch with us today!<\/span><\/p>\n                <\/div>\n                                            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":37429,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43775"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=43775"}],"version-history":[{"count":8,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43775\/revisions"}],"predecessor-version":[{"id":46014,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43775\/revisions\/46014"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/37429"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=43775"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}