Dash cams can definitely help with insurance, especially if you ever have to prove you're not at fault. I've heard some insurers offer discounts for defensive driving courses too—have you or your parents looked into that? I took one a couple years back, and while it wasn't exactly thrilling, it did shave a bit off my premium. Also makes me wonder if there are any Alaska-specific discounts out there, considering the unique driving conditions we face up here. Maybe something related to winter preparedness or wildlife collision prevention? Might be worth asking your insurance agent directly...
Dash cams are definitely worth it—mine saved me from a headache last winter when someone slid into me at an intersection. Insurance didn't even question it once they saw the footage. As for Alaska-specific discounts, I haven't heard of anything directly tied to wildlife or winter prep, but my agent did mention that some insurers offer lower rates if you have studded tires or certain winter safety gear installed. Might depend on the company though.
Also, about those defensive driving courses... yeah, they're dull as dirt, but the savings add up over time. Another thing I've found helpful is bundling policies—home and auto together knocked a decent chunk off my bill. Worth checking out if you haven't already.
Dash cams are great, but another thing I've found helpful is checking into mileage-based discounts. If you're not commuting far or mostly using your car for errands and family stuff, some insurers offer lower rates based on annual mileage. Had to track mine for a bit, but it wasn't too much hassle and ended up saving me a decent amount. Might be worth asking your agent about it next time you chat...
Mileage-based discounts are definitely useful, especially if you're not driving much. Another thing I've found helpful is bundling policies—combining auto with home or renters insurance can often lead to significant savings. Also, since we're in Alaska, it's worth checking if your insurer offers seasonal storage coverage. I park my vehicle during harsh winter months, and opting for reduced coverage during that period has noticeably lowered my premiums. Just make sure to clearly understand what's covered and what's not...better safe than sorry.
Bundling definitely helps, but another thing people overlook is defensive driving courses. Even if you've been driving forever, insurers often give discounts for completing one every few years. Worth checking out—saved me a decent chunk last renewal.
