Find Cheap Lewistown Auto Insurance

Are you intimidated by the sheer number of auto insurance companies in Lewistown? Many other drivers are as well. Drivers have so many choices that it can turn into a big hassle to find the best price.

It's important to compare prices every six months since insurance rates are constantly changing. Even if you got the lowest rates two years ago you will most likely find a better rate today. So block out anything you think you know about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

More discounts equal less premium

Companies do not list every available discount very clearly, so we break down some of the best known as well as the least known discounts you could be receiving.

Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
Multi-car Discount - Having more than one vehicle on one policy may reduce the rate for each vehicle.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Homeowners Discount - Being a homeowner can save you money because owning a home is proof that your finances are in order.
No Accidents - Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
E-sign - Certain companies give back up to $50 for buying your policy over the internet.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So when it seems like it's possible to get free car insurance, you won't be that lucky.

Switch companies and save? Really?

Companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the ads have a common claim about savings if you switch to their company. How does each company say the same thing?

All companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk might be profiled as a mature driver, has no driving citations, and chooses high deductibles. A propective insured that hits that "sweet spot" receives the best rates and therefore will save when switching.

Consumers who do not match these standards will be charged higher prices and this can result in business not being written. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully state the savings. That is why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will give you the biggest savings.

Even more information can be found at the Missouri Department of Insurance website. Missouri drivers can file complaints about a company, report car insurance fraud, and read consumer alerts.

Final considerations

Throughout this article, we presented a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with some of the lesser-known companies.

Cheaper auto insurance can be found on the web and also from your neighborhood Lewistown agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.