Car Insurance

Coverage that’s personalized for you

You don’t need to compare policies to find the best car insurance—we’ll take care of that for you.

Car insurance coverage options

Get Started

Call us at 800-478-1251

Personalize your car insurance based on your vehicle, driving habits, and the level of coverage you're comfortable with. We shop around to find the best policy that meets your specific needs.

Coverage options include:

  • Bodily injury and property damage liability
  • Comprehensive and collision
  • Uninsured and underinsured motorist
  • Medical payments and personal injury protection
  • Roadside assistance
  • Rental reimbursement
  • Diminishing deductibles
  • New vehicle replacement
couple riding in the car

Car insurance discounts

You can get discounts on your car insurance, based on a number of factors:

  • Homeownership
  • Multiple vehicles
  • Good student
  • Mature driver
  • Prior insurance
  • Multipolicy
  • Safe driving record

If you need insurance for more than one thing—for example, your car plus your home, RV, or boat—then you may be able to save even more by bundling your policies under the same carrier.

Car Insurance FAQs

Car insurance requirements vary by state, most policies include these elements:

  • Liability Coverage, which pays for any bodily injury and property damage that you’re responsible for.
  • Collision Coverage pays for damage to your vehicle in an accident.
  • Comprehensive Coverage pays for other types of damage to your vehicle, for example, vandalism.
  • Uninsured and Underinsured Motorist Coverage pay for damage if the other driver who caused the accident is not insured or doesn’t have enough coverage.
  • Medical Payment Coverage pays for medical expenses for you and anyone riding in your car.

Each state has minimum requirements for car insurance, but your coverage needs depend on your specific situation. Talking to an agent can help you decide which policy is right for you. In addition to basic coverage, you may also want to consider extras like roadside assistance or rental car reimbursement.

You may be able to get a discount if you’re a homeowner, mature driver, or good student. It’s also possible to save on your overall insurance bill by bundling policies, like your homeowners and car insurance, with the same carrier. Your agent can identify the types of discounts you might qualify for.

Insurance companies have different methods for assessing risk, but most of them consider these factors:

  • Your driving record, age, and driving experience
  • The type of car you drive
  • The number of miles you drive each year
  • Your location, usually based on your ZIP code

Insurance companies may also look at your credit history to assess your risk, but this is not allowed in some states.

family with dog in the car

What our members are saying

“I’ve used [Alaska USA] for several car loans and insurance. They have always been amazing with customer service and finding us the best rates. Thank you!”

– Shannon M-C

Our achievements

Progressive Premier Partner Award

Awarded for exceptional knowledge and performance

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Umialik Circle of Excellence Award

One of the top agencies for performance, growth, and partnership

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Safeco Ignite Agency Program Elite Status

The highest level of recognition, given to only 10% of agencies

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