Montana car insurance calculators provide drivers with an estimate of their premium cost. A variety of factors influence a driver’s premium, including age, gender, driving record and credit score as well as make and model of car. Furthermore, coverage amount and deductible selection have an impactful influence on rates in various zip codes; furthermore some areas can pose greater risk than others.

Montana drivers typically pay an annual car insurance rate of $767, which equates to about $127 monthly. With so many variables at play, it’s essential that they shop around and compare quotes in order to find an insurance policy within their budget. There are discounts available that could lower rates further; additionally there may be opportunities to reduce expenses by only purchasing what coverage they require.

So, some insurers provide discounts for students with good grades; others give discounts to drivers who have completed driver’s education classes or defensive driving classes; some insurers may also provide a discount to drivers without at-fault accidents or speeding violations on their driving record; it is also beneficial for drivers to add comprehensive and collision coverage as it will cover repairs to expensive cars; it is also wise to add uninsured/underinsured motorist coverage, since 8.5% of Montana drivers remain uninsured and this coverage provides coverage against medical bills or any expenses related to an accident.

Montana drivers’ premiums can also be affected by their driving history, credit rating and the type of car they own – among them driving record, at-fault accidents or speeding violations, bankruptcy filing and the type of car driven; luxury models tend to incur more costly premiums compared to more modest vehicles and drivers who let their coverage lapse may face additional premium increases than those who maintain continuous coverage.

As well as comparing quotes, Montana drivers should carefully select an insurer with an outstanding reputation for customer service and financial security. USAA stands out as an excellent option as it received top marks from J.D. Power’s Consumer Satisfaction Index ratings. Power and Consumer Reports have recognized GEICO for its excellent customer service and wide range of discounts. Furthermore, local providers often have lower rates than national competitors. Drivers living in high-risk areas might find better rates with regional companies like PEMCO or The Hartford than with larger national insurers like State Farm or Farmers due to the latter having greater knowledge about local risk factors that enable them to provide more cost-effective policies.