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Fairbanks, Alaska Car Insurance

Even the most cautious drivers in Fairbanks are at a higher risk of car accidents because of the recklessness of other drivers on the road. Insurance rates for every driver in the area will rise based on the average number of wrecks, regardless of each individual driver's safety habits. Drivers who go too fast during wintry conditions are especially dangerous to themselves and to others. Snow and ice are unpredictable on the roadway, and the dangers increase the faster you drive.

Type of Vehicle Doesn't Matter on Ice

Many people mistakenly believe that it is safer to travel at high speeds in bad conditions if they have heavy vehicles or four-wheel drive. The truth is, it does not matter if you have four wheel drive, over-sized tires, or extra weight if you run into a patch of black ice. Four-wheel drive vehicles are perfect for keeping you from becoming stuck in deep snow and mud, but they can be unstable at high speeds on slick roads. Unfortunately, many drivers in these larger machines seem to feel invincible in any conditions.

Larger Trucks Lose Control Faster

Someone in a large four-wheel drive truck is actually more likely to lose control in slick conditions than someone driving a smaller front-wheel drive sedan. The truck has more weight, which gives it extra inertia when it begins to skid or slide. If the roads are slick, the wheels will be unable to grip the surface and the skid will become worse. In addition, trucks are weighted less evenly than cars, which can cause them to flip over more easily if they lose control. There is a much higher risk of injury when a vehicle turns over in an accident.

Other Drivers Unable to Avoid Accidents

When a reckless driver loses control of a vehicle on a slick road, the other drivers on the road can have a difficult time avoiding an accident. If the reckless driver was going too fast, there is a good chance that their skidding vehicle could crash into cars in front of or beside them, even if those cars were moving at a more appropriate rate of speed. When you are driving in bad conditions near Fairbanks, you need to keep an eye out for reckless drivers as well as slick spots in the road.

Unexpected Obstacles in the Road

Speed can cause more than just loss of control of the vehicle, however. The roads near Fairbanks can be tempting for area moose to use during deep snowfalls. A single moose can kill a driver during a collision, especially at a high rate of speed. If someone hits a moose, there is a chance that the cars behind them may run into them as well. The best way to keep your insurance rates down and your safety chances up is to drive at a moderate speed on Fairbanks roads.

If you would like to know more about insurance rates in Fairbanks, enter your zip code into the form at the top of this page.

Fairbanks is the second largest city in Alaska, after Anchorage, and the largest city in the interior of the state. Although the city proper only has a population of some 35,000 people, it serves as the anchor of a metropolitan area with a population of almost 98,000 which means it is a major population center for the region. If one includes Eielson Air Force Base and Fort Wainwright, then almost a third of the existing workforce is employed by the government. Mining and regional services are also important factors in the local economy. In the last few decades Fairbanks has also developed a successful tourist industry with as many as 325,000 people visiting during the summer months each year.

In 2007, Fairbanks had 818 traffic accidents, though only two of them resulted in fatalities. These numbers have to be kept in the context of the Alaskan interior. It is extremely expensive to import motor vehicles that far inland through Alaska, and all the extras, from gasoline to replacement parts also have to be imported and are very expensive. This means that compared to cities or metropolitan areas in more accessible places, the number of cars on the road is much smaller. Although the city itself only saw 818 traffic accidents, the larger metropolitan area, defined as North Star Borough (county), had 1,486 traffic accidents, almost doubling the number.

Drivers in Alaska that opt to buy insurance in order to meet their financial responsibility requirements must have minimum coverage of 50/100/25. This means the driver must have $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 worth of liability insurance for property damage. These are the highest minimum liability requirements in the United States and one of the reasons that Alaska was ranked as the third worst state in the union in which to own and operate a car by Forbes.

Car Insurance in Alaska

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