If you are trying for the best Montana car insurance, please type in your Zip code on the box above so that we can start getting the quotes from various car insurance providers in your state. This is the easiest and also the most convenient way of finding cheap car insurance in MT. We have already helped a vast number of motorists in Montana to get the best car insurance deals that they can take advantage of in the market, and we are pretty sure that we can do the same thing for you.
The state law of Montana requires all the drivers who are registered in their state to get a minimum Bodily Injury Liability limit of up to $25,000 per injured person and also a total of $50,000 per accident. The property damage limit is $10,000 which is considerably cheaper as compared to what other states require. The requirements are also referred to as 25/50/10. The State of Montana follows the TORT system and that means that the car insurance provider of the driver who is found at fault will be the one to take care of all the expenses that are necessary after the accident. You should be informed that they details of the TORT system varies from different states, so it would be wise to check out the one your state.
That is why it is really important for motorists in the state to get an Uninsured/ Under Insured Bodily coverage so that you can make sure that you are completely covered in case you get into a car accident with an uninsured driver. This type of coverage will cover all of the medical expenses and the repairs that are needed since the other person has no insurance to take care of the payments.
The Montana auto insurance is quite lower compared to some other states. The average cost of $1,299 per year is relatively cheaper than the $1,440 national average. However if you are registered in one of the major cities in the state, you should expect to pay a bit more higher. Most of the motorists that are located in the metropolitan areas in MT would pay about $1,650. It would be best to make a little research about the fluctuating car insurance rates in the state so that you can make sure that you will be able to take advantage of the cheapest deals.
How to Find a Good Auto Insurance Company in MT
There are over a hundred car insurance providers that are operating in MT and most of them can offer you really high quality car insurance. However only few can give you a service that is far more superior to the others. It would be best for you to go to the big car insurance companies first because they seem to be more reliable than the small ones.
Here are some of the tips in finding good car insurance in MT:
- The company should have good reviews in the internet. You can find reviews about car insurance sites from various websites that allow their visitors to leave a feedback on certain car insurance providers. If the company have good reviews, chances are you can build a great relationship with them.
- Choose a company that has already established itself in the market.
- Choose a company that has an organized and hassle-free claims process. The company should not give you a hard time in getting a claim especially at really critical times.
- The company should have the cheapest car insurance rates compared to others.
- Make sure that the company has well trained and knowledgeable customer service personnel who can really help you find solutions for your problem.
- Choose a company that is really concerned about giving you optimal security during those unexpected times like getting into major car accidents.
Tips on Getting Cheap MT Car Insurance
Buy a cheap car – getting a regular car rather than a luxury and high performing one can help a lot in your search for cheap car insurance in MT. Expensive cars cost to much to repair and they are also at really high risk for car theft. Below are the cars that are commonly stolen in Montana:
- 2004 Dodge Ram
- 1996 Ford Explorer
- 1992 Subaru Legacy
- 1987 Honda Accord
- 1993 Honda Civic
- 2001 Ford F150 Pickup
- 1993 Oldsmobile Cutlass/Supreme/Ciera
- 1986 Ford Ranger
- 1989 Chevrolet Pick-Up (S-10)
Increase your deductibles – increasing your deductibles can give you a great discount on your car insurance premium. The only downside of getting a high deductible is that you will be responsible to shell out a larger amount of money out of your pocket when you get into car accidents. However if you drive carefully, you will be able to save a lot of money.
Ask for discounts – car insurance companies have a lot of discounts to offer, but they usually just keep it to themselves and never offer it proactively. It would be wise for you to get a list of all the car insurance discounts that they offer so that you can try to see if you qualify for one.
Be a good driver – good drivers with clean driving records obviously get a cheaper car insurance quote from different car insurance companies. Auto Insurance providers are really particular about this because they would need to know if you are going to be a high risk driver so that evaluate how much car insurance quote they should offer you.
Montana Car Insurance Comparison
The best way method to use in finding cheap auto insurance in MT is by using car insurance comparisons. It is a really popular practice that car insurance buyers visit car insurance comparison sites first before they come up with a decision. Our site offers the same service and all that we ask you to do is to provide your Zip Code. Once we already have that information, we would go to work immediately by finding the cheapest car insurance in MT that will certainly fit your needs and your budget. We have already helped a lot of motorists in Montana to find the cheapest auto insurance policy in the market, and there is no doubt that we can do the same thing for you.