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Kenai is named after both the river which runs alongside it and the peninsula where the city was founded. Original inhabitants included the Dena’ina (or Kenaitze) natives, who were then joined by Russian traders in the 1700’s. Various attempts at settling the area waxed and waned over the years until the late 19th century, when the shipping industry boomed and Kenai became an essential port city.
Fun fact: she works hard for the money …mostly because Kenai is #3 on the list of “Top 50 cities with greatest precentage of females working in industry: Mining (population 5,000+)”. Read up on Kenai by visiting here.
The state of Alaska has the following minimum coverage requirements:
| Coverage | Requirements | Most Common |
| Liability Bodily Injury | 50,000/100,000 | 100,000/300,000 |
| Liability Property Damage | 30,000 | 60,000 |
| Bodily Injury - Motorist Uninsured | Not required | 50,000/0130,000 |
| Not required Coverage | Medical Payments Coverage | 5,000 |
| Collision Coverage | Not required Coverage | 700 Insurance deductible |
| Comprehensive Coverage | Not required Insurance | 300 deductible |
If you’re on a tight budget and don’t anticipate getting into many accidents, then a Liability only policy might be a good deal for you. But keep in mind how limited Liability coverage is. Your company will only pay out claims if you are found at-fault in an accident. Anything else that happens to your car will be your financial responsibility. For more information on affordable Alaska insurance, compare rates now.
Some sources claim that the average price for Alaska drivers is about $129 per month. However, some motorists can get covered for as little as $29/mo* in Kenai if they know where and how to look. It all depends on your personal circumstances.
If you want the absolute lowest rate possible, then Umialik looks like the provider you want to go with. However, there are other elements to consider when evaluating potential insurance companies. It might be worth it to pay a little more in premiums for superior customer service and an efficient claims process.
Organizations that provide you with automobile insurance plans contemplate various variables when figuring out quotes, which includes marital status, driving violations, type of vehicle owned, miles driven each year, and current insurance coverage and limits. Moreover, premiums differ from one company to another. To find out if that you are still receiving the best rate, compare cheap Kenai Automobile insurance price quotes online.
You could possibly feel a bit hopeless as soon as your insurance provider is pricing your insurance quote; let’s be honest, almost all of the things these people calculate aren’t items you will be able to change or control. Fortunately, however, there are still items that you might be in a position to change for greater discounts, such as:
Insurance agencies need to know where you reside (or the places you might be driving a vehicle frequently) in order to estimate the prospect of a major accident. It all amounts to a very simple principle: the higher the population, the more vehicles there will be on the highway, and therefore the more possibilities you might have to hit or perhaps be crashed into by yet another motor vehicle. The population of Kenai is in fact 7,452 and also the typical household income is $64,334.
Luckily for Kenai drivers, the accident rate is well below the national average. This means that average monthly premiums will also fall below the national average. Insurance often offer discounts and lower rates for motorists who live in safer zip codes.
Obtaining inexpensive insurance can be challenging if you are vulnerable to auto theft. Certain popular automobile models usually are attractive to thieves, in addition to cars or trucks which are parked often in huge urban centers. The full number of thieved vehicles in Kenai was only 18 for the year 2013. Comprehensive coverage can protect you from being financially responsible if your vehicle is stolen or vandalized, but it will substantially raise your monthly rate.
Depending on your insurance provider, your credit score can make a big difference when it comes to your monthly premiums. There are specialty providers in Alaska who will offer you a fair price on your monthly rate, even if you have poor credit. Usually, however, better credit scores equal substantially lower rates.
Based on statistical data, it costs more to insure teenage drivers because they are more likely to get into accidents while they are still young. Older motorists benefit from their years of experience behind the wheel with lower monthly premiums. However, teenagers and college students can save some money by asking about Good Student discounts.
Obviously, someone with a clean driving record will be charged substantially less than someone with multiple violations. Whether you have a bunch of speeding tickets, were involved in an accident, or have a significant violation (such as a DUI) on your record, your monthly rate will go up with each transgression. However, some companies may offer “Accident Forgiveness” discounts.
The more expensive your vehicle is, the more coverage you will want to purchase in order to protect your investment. Of course, you will have to pay higher rates if you purchase more coverage. But there are ways to still save, even with an expensive policy.
Below are some little-known elements which may or may not alter your monthly premium:
If you are a married couple, you should take advantage of bundling discounts available from most providers. You can even bundle your homeowner’s insurance or your renter’s insurance with your auto policies for more savings.
As society continues to evolve, more and more insurance companies are discontinuing the practice of charging different rates for male and female motorists. Many major providers charge the same monthly rate, regardless of gender.
Weather permitting, your daily commute in Kenai shouldn’t be too much of a hassle. Typical trips last around 19 minutes or less, with a little over 10% of workers carpooling to their jobs each day.
IF you’re concerned about driving too many miles, or driving for the wrong reasons, don’t lose too much sleep over it. Even drastic cuts or other changes in your driving behavior will only change your monthly premium by a few dollars at best.
If you want more than just basic state minimum coverages, there are ways to keep your monthly premiums affordably low. Start by asking your provider if you can raise your deductible. Raising your deductible will lower your monthly rate, but it will also increase your out-of-pocket expenses if the worst happens.
Your job and salary don’t matter as much to your insurance provider as your overall education level does. About one-third of all Kenai residents have a high school diploma hanging on the wall at home, while an additional 24% have gone on to pursue at least one year of college or more. But did you know that your level of education can have a big impact on your car insurance? The more schooling you have, the lower your annual rate will be.
Just a few miles south of Kenai, locals have an opportunity to pursue a variety of educational possibilities with only a short commute. The Kenai River Campus of the Kenai Peninsula College specializes in nursing degrees, and the University of Alaska Anchorage operates a satellite campus in the nearby town of Soldotna.
Vehicle insurance is one of the most important investments you may make as a driver. You need to ensure you uncover a sincere, responsible business who’ll follow through on their guarantees. A small number of motor vehicle insurance agencies are usually much better at this than the others, and conducting a rigorous online search can help you separate the favorable from the poor.
Sources:
Alaska Department of Financial Institutions
Department of Highway Safety and Motor Vehicles
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