It's important that you understand the Montana minimum coverage requirements and optional policies when looking for car insurance. The state requires drivers to have liability insurance, which pays for medical expenses and other costs caused by accidents. You can also purchase a comprehensive insurance policy that helps cover the costs of repairs after an incident.
It is costly to insure your vehicle, but you can reduce the cost by saving money. For instance, you could compare quotes from multiple companies to find the best deal for your needs.
Montana auto insurance costs $2,476 annually, slightly more than national average. The cost varies based on factors like age, driving experience, credit score and where you live.
Choosing the right policy is vital to protecting yourself and your assets in the event of an accident or theft. A policy with the appropriate amount of coverage can help you recover quickly from an accident.
If you do your research and use websites like Clearsurance, it is possible to find affordable car insurance in Montana. This website takes into account a wide range of factors to provide you with a quote that's based on your unique profile.
You could qualify for up to 47% off the Montana average quote if you are a single, responsible driver. USAA also offers lower rates for active-duty or retired military service members.
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.
The liability auto insurance policy is the most popular in Montana. It covers the costs of medical care and property damage in the case an accident. The insurance also pays for your legal defense in the event of a lawsuit filed against you.
You can also add a comprehensive policy to your Montana auto insurance to cover damages that occur when you're not at fault in an accident, such as from hail or other types of natural disasters. This can be particularly helpful in Montana, as storms and unpredictable weather can cause serious damage to your automobile.
A good insurer will have a solid customer service reputation, and they will be able assist you quickly in the event of an accident. Choosing a company with a high reputation can help you avoid paying extra for bad service after an incident, which can add up to more than the price of your premium.
Mountain West Farm Bureau has a good rating of A+ from the BBB. Google also gives it 3.5 stars. AM Best gave it an "A+" rating, meaning that the company is reliable and can offer quality coverage at affordable prices.