It's important that you understand the Montana minimum coverage requirements and optional policies when looking for car insurance. Drivers are required to carry liability insurance which covers medical expenses, as well as other costs incurred by accidents. You can also purchase a comprehensive insurance policy that helps cover the costs of repairs after an incident.
Auto insurance in Montana is expensive, but there are ways to reduce your rates and save money on your premium. Comparing quotes from several companies can help you find the right deal.
Montana's average annual cost for car insurance is $2,476. This is slightly higher than the national average. The cost of insurance policies varies depending on individual factors including age, driving records, credit scores and location.
Choosing the right policy is vital to protecting yourself and your assets in the event of an accident or theft. Having a policy that offers the right amount of coverage for your situation can help you get back on your feet quickly after an accident.
You can find cheap auto insurance in Montana if you use a site like Clearsurance and shop around. This website uses a range of factors to create a quote for you that's unique.
You may be eligible for a quote as low as 47% less than the Montana average if, for example, you're an individual driver with good credit and no accidents. Similarly, those who are military veterans or active-duty service members may be able to find a cheaper rate at USAA.
Avoiding minimum coverage policies is another way to get cheap car insurance in Montana. These policies tend to be more expensive than policies with full coverage and do not include the benefits most drivers require in order protect themselves financially following an accident.
In Montana, liability insurance is most important because it covers medical expenses and property damages in the case of an accident. This insurance helps to pay for legal defense costs if someone sues you.
You can add a comprehensive insurance policy to your Montana automobile insurance in order to cover damages when you're at fault but not the cause of an accident. For example, hail and other types natural disasters. This is especially important in Montana where storms, hail and other weather-related events can damage your vehicle.
A good insurance company will have a strong customer service reputation and will be able to help you quickly after an accident. You can avoid paying more for bad service by choosing a company that has a strong reputation. This can be much more expensive than the premium.
Mountain West Farm Bureau has a good rating of A+ from the BBB. Google also gives it 3.5 stars. AM Best has given it an A+ rating for its ability to provide affordable coverage and quality service.