Tightwads Guide to Saving on Lewiston Auto Insurance

Nobody I know likes having to buy auto insurance, especially knowing they are paying too much.

Because you have many companies to choose from, it can be impossible to pick the cheapest car insurance company.

auto insurance in Lewiston

Vehicle Insurance Comparison

There are several ways to compare rate quotes from different Lewiston insurance companies. The best method to find the lowest rates is to perform an online rate comparison. This can be done in a couple of different ways.

  • The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form entry for each company you want a rate for. Just one form will get you rate comparisons direct from many companies.
  • A harder way to compare rate quotes requires you to visit the website for every company you want to comare and fill out their own quote form. For instance, let's assume you want to compare , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Lewiston, click here.

Whichever way you use, be sure to compare apples-to-apples coverage information for every quote you compare. If your comparisons have unequal deductibles or liability limits it's not possible to determine the best price in Lewiston. Just a small difference in coverages could mean much higher rates. Keep in mind that having more price comparisons provides better odds of finding the best offered rates.

Take advantage of discounts

Auto insurance companies don't always list all available discounts very well, so we researched some of the best known as well as the least known auto insurance savings.

  • Driver Safety - Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Student in College - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Auto/Home Discount - When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • No Claims - Good drivers with no accidents pay much less when compared with bad drivers.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

To see a list of insurers who offer auto insurance discounts in Minnesota, follow this link.

How to know if you need help

When choosing the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation would benefit from an agent's advice.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • What are Minnesota no-fault laws?
  • Am I covered when driving in Canada or Mexico?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Additional Minnesota consumer information

Even more information is located at the Minnesota Department of Commerce website. Minnesota drivers can discover disciplinary actions, file complaints about a company, read enforcement actions against agents and companies, and read consumer alerts.

Additional helpful sites include this resource for Minnesota auto insurance prices and this link which helps you find a Lewiston agent.