One of the main factors that an Alaska car insurance company will consider when determining how much to charge for your coverage is your driving record. An applicant who has maintained a clean driving record for at least a few years is going to be able to qualify for better rates on his or her coverage than a person who has been involved in accidents and/or received multiple traffic tickets.
Every time a driver receives a ticket, points are added to that person’s driving record. An insurance company can pull this information to help determine the level of risk that a particular person presents for car insurance purposes. As the number of points on a driver’s record goes up, so do his or her rates.
There are car insurance providers who specialize in providing coverage to higher risk drivers. In a situation where your rates have taken a jump because of your driving record, its probably time to start shopping around to see if you can get better pricing elsewhere. If you are able to maintain a clean driving record for a couple of years, you will probably see your rates go down. In the meantime, either visit individual Alaska car insurance company web sites or find a single site with an insurance quote tool so that you can input your information once and get pricing from several providers.