Home to the first French-Canadian national church in the state, Lewiston, ME, is an iconic place. Lewiston also is known for Bates Seminary College, making it historic.
If you own a car in this smaller 36,221 resident town, you'll need adequate coverage. An independent insurance agent will get you the protection you need for a reasonable price. Get connected today to begin saving.
What Does Your Lewiston, ME, Car Insurance Cost?
Every person has their own unique car insurance rate. This is due to carriers using personal data along with vehicle values to determine costs. The insurance companies use the following criteria:
- Your address
- The crime rate where you live
- The number of claims reported in the area
- Your insurance score, credit score, and motor vehicle record (MVR)
- The coverage you select
- The year, make, model, and value of the vehicles you insure
- Your experience level
It's not so much whether you drive an SUV or an ATV than who you are and your history. The only way to know your exact premiums is to connect with a Lewiston independent agent for quotes.
What Are the Lewiston, ME, Car Insurance Requirements?
Generally, you have to pay for liability protection to use the roadways. While some states may be more strict on mandates than others, most require coverage in some form.
Car insurance requirements in Lewiston, ME:
- Minimum liability limits of $50,000 per person/ $100,000 per accident/ $25,000 in property damage
Maine is one of the states that requires above minimum limits for car insurance. Your independent agent may still recommend more liability protection for you and your family. Speak with your Lewiston agent to find the right car insurance coverage.
Uninsured and Underinsured Motorist Coverage in Lewiston, ME
Not every driver on the road has insurance. This poses a threat to you and your family. The best way to protect your loved ones is to get uninsured/underinsured motorists coverage or UM/UIM.
UM/UIM will provide insurance in the event of a car accident if the other party involved isn't correctly insured. Check out the percentage of uninsured motorists:
- National average: 13.0%
- Maine average: 4.5%
It doesn't matter if you drive a snowmobile or a luxury sedan, your insurance needs to have UM/UIM. The state law requires minimum limits to be included in your auto policy. Speak with your Lewiston independent agent to discuss your UM/UIM policy coverage.
What Other Car Insurance Coverages Should You Get in Lewiston, ME?
There are more coverages than liability when it comes to your car insurance. If you want to be insured correctly, you may need to discuss optional coverages with your agent.
Optional Auto Policy Coverages:
- Comprehensive: This pays for property damage to your vehicle resulting from an object hitting your car.
- Collision: This pays for property damage to your vehicle or property resulting from a crash.
- Towing: This pays for a covered auto to be towed.
- Gap: This pays for the difference between what's left on your auto loan and your vehicle's value.
- Rental car: This pays for a rental car needed as a result of a covered loss.
Your car insurance is important. Optional coverage costs can be offset by bundling your auto and homeowners insurance. This will give you a considerable discount and make room for additional coverage options. Connect with your local agent to discuss further.
Does Theft Impact Your Lewiston, ME, Car Rates?
Theft can impact not only your belongings but your insurance costs. The more crime in an area, the worse your rates will be. The carriers will charge an additional premium to make up for any losses.
Average theft rate:
- National average: 228.9
- Maine average: 58.1
- Lewiston average: 1,344
The theft rates in Lewiston are higher than the state and national averages. With more crime, your insurance premiums could take a hit. Whether you're driving a business auto or your personal vehicle, the chances are more likely that a break-in could occur. Discuss how the local crime will impact your costs.
Additional Liability Insurance in Lewiston, ME
Umbrella insurance is used when a car claim exhausts your underlying auto liability limits. Believe it or not, these happen often and can put your finances at risk. An umbrella policy will respond to the remaining liability cost of the loss.
Policy limits start at an extra $1,000,000 in coverage an go up from there. Your Lewiston agent can help with obtaining quotes for your umbrella liability.
How a Lewiston, ME, Independent Agent Can Help
The right auto insurance is hard to find if you're not sure where to begin. An independent insurance agent in Lewiston, ME, can help get you the coverage your car needs.
They work with several carriers, so you have options and save money. Connect with a local independent agent on TrustedChoice.com today.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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