The Montana Car Insurance Calculator makes finding the ideal car insurance policy a snap. Just enter your vehicle and driving information, and the calculator will give you personalized rates tailored specifically to your profile. Compare top providers and find one that provides coverage, rates, discounts, support or other factors you value in a policy.
The Cost of Montana Auto Insurance
Your car insurance rate will depend on a variety of factors, including age, gender, driving history and credit score. That’s why it’s essential to shop around for a policy that fits both your lifestyle and budget.
A high credit score can mean lower car insurance rates and you may even qualify for a discount on your policy. The most effective way to boost your credit score is by paying on time and avoiding any late payments.
On average, drivers with a poor credit score pay 47% more for car insurance than those who have excellent credit.
Where You Live Can Influence Your Montana Car Insurance Rates
Drivers living in big cities such as Missoula or Helena may face higher insurance rates than those living in smaller towns due to the more densely populated areas. Furthermore, those who own multiple cars or are self-employed pay more for their policies due to increased risks from accidents.
Selecting the Appropriate Coverage
Montana requires drivers to carry uninsured motorist protection and underinsured motorist coverage in addition to minimum liability requirements. These coverages could save you hundreds of dollars if a negligent driver causes an accident that necessitates these additional costs.
You can purchase additional protection for yourself and your passengers, such as medical payments coverage. In addition to paying the deductible, these policies will cover any medical bills incurred from an accident.
Selecting the Correct Deductible
Insurance providers usually ask you to set a deductible before beginning out-of-pocket for collision and comprehensive claims. Deductibles typically range from $500 to $1,000. A higher deductible can help free up more cash flow each month by reducing how much of your premiums must be paid out-of-pocket if a claim is filed.
Additions to Your Policy Can Impact Insurance Costs
Adding a teenage driver to your policy may increase rates by as much as 3.1x, since they lack driving experience and are considered high-risk due to being more likely to get in an accident.
Younger drivers can reduce their insurance costs by taking a defensive driving course and earning good grades. Doing so may qualify them for discounts on their policies that could total thousands of dollars over the course of your policy’s lifespan.
Consider purchasing comprehensive and collision coverage, which may be costly but could save you money in case your car is stolen or destroyed in an accident. This type of policy helps replace your vehicle and pays for medical expenses if there are damages caused by someone other than you, regardless of who was at fault for the incident.