Montana Car Insurance
In Montana, car insurance is a necessity if you operate a motor vehicle, as it is in most states in this country. The state even has strong penalties in place for those who do not comply. Therefore it is important to make sure you have at least the minimum amount of coverage, though more is better.
Luckily there are lots of ways to get deals on your car insurance, while making sure you have the coverage you need. By getting information on your side, you will be able to make sure you have the best insurance for you.
Required Montana Car Insurance Coverage
In the state of Montana, all vehicles must carry at least the minimum levels of liability coverage. These limits are 25/50/10 and this translates to:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Even though these are the required minimums according to the state, they are still insufficient to cover the costs that would be associated with a serious accident. You should consider limits that are at least 4-5 times higher than the ones listed above.
Companies Offering Car Insurance In Montana
Amongst the many companies offering car insurance in the Treasure State are the following:
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- State Farm
- Nationwide
- Esurance
Top Tip: Shop Around Wisely
When you decide it is time for some price quotes, the best way to do so is to get them from an online quote tool. It is very quick and easy. You simply have to input the information about you, your car and the other drivers in your household once and you will get a variety of quotes from leading insurers that serve your area.
Once you get those quotes and compare them, you will be able to narrow your choices down to a few companies. The next step is to research those companies that you are considering using. Find out their rating with one of the independent insurance rating companies like A.M. Best or Standard & Poor’s. This will tell you if the company is financially stable or not. In shaky economic times, this step is more important than ever.
More Tips For Saving Money On MT Car Insurance
There are many things you can do to ensure that you save money on your car insurance. Some of these recommendations are short-term ones that you can use right away. Others are long-term changes that need to be done in order to get the best price possible.
- Raise deductibles on collision and comprehensive coverage.
- Remove collision and comprehensive coverage from older cars that are no longer financed and have a low resale value.
- Ask the company you are dealing with about discounts.
- Maintain a good driving record
- Maintain a good credit score
- Avoid unnecessary claims
- Put only the minimum amount of mileage on your car
- Buy cars that are less expensive to insure
- Buy cars that have safety features built-in like anti-lock brakes, passive restraint devices, anti-theft systems.
- Put car and home insurance with the same company to get a price break
High - Risk Montana Drivers
For those who are considered to be high-risk drivers in the state of Montana, there is still hope for finding car insurance. The state provides an assigned-risk pool, called the Montana Automobile Insurance Plan (MAIP). It is primarily for people who have been turned down for car insurance by regular insurers because the risk they present is simply too high. You can be in this category of drivers for a variety of reasons: too many claims, too many accidents, too many tickets, certain convictions like impaired driving and sometimes even because of age.
Before turning to the MAIP for your insurance needs, you will want to check other insurance companies thoroughly to see if you can possibly get insurance elsewhere. There are companies that specialize in high-risk drivers that may offer you coverage. MAIP will certainly give you the coverage you need, but the price will be high.
Compare Montana Auto Insurance Quotes Online
If you are ready for your Montana car insurance quote, you can get started quickly and easily by clicking on the quote tool at the top of this page. Simply follow the directions and in no time you’ll be on your way to having the best, most competitively priced Montana car insurance policy that you have ever had. Get started on your search now!