Finding affordable Lewiston car insurance can seem to be challenging for consumers new to shopping for insurance online. Consumers have so many options that it can be a lot of work to find lower rates in Lewiston.
If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. This information will instruct you on the best way to quote coverages and some tricks to saving. Nevertheless, Idaho consumers can benefit by having an understanding of how big insurance companies price insurance differently.
More discounts equal less premium
Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be specially asked for before you get the savings.
- Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
- Senior Citizens – Mature drivers may receive a small decrease in premiums.
- Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
- Memberships – Affiliation with a qualifying organization could trigger savings on your policy.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- Fewer Miles Equal More Savings – Fewer annual miles could be rewarded with a substantially lower rate.
Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.
Lewiston Car Insurance Comparisons
There are several ways you can shop for car insurance but one way is easier and takes less work. You can waste a lot of time driving to local insurance agents in Lewiston, or you can utilize online quoting to achieve your goal.
Most major companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each company can give them a price based on that data. This system prevents you from having to do form submissions to each company.
To find out how much you can save on car insurance click here to start a free quote.
The only downside to getting quotes like this is you don’t know exactly which companies to receive prices from. So if you want to select specific insurance companies to compare prices, we have assembled a list of car insurance companies in Idaho. Click to view list.
It’s up to you which method you use, but be sure to compare exactly the same information on every quote you get. If you use unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best in Lewiston. Having just a slight variation in limits could mean much higher rates. And when comparison shopping, getting more free quotes helps locate the best offered rates.
How to know if you need help
When choosing coverage, there is no perfect coverage plan. Every insured’s situation is different.
Here are some questions about coverages that might point out whether you might need an agent’s assistance.
- Do I have coverage when pulling a U-Haul trailer?
- Am I covered when driving someone else’s vehicle?
- Who is covered when they drive my vehicle?
- How much liability coverage do I need in Idaho?
- Will my rates increase for filing one claim?
- If my vehicle is totaled, can I afford another vehicle?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Online plus local equals savings
Low-cost car insurance can be purchased online and with local Lewiston insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.
We’ve covered a lot of ways to get a better price on car insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with the smaller companies.