Car insurance in Montana can be costly, but there are ways to cut costs. Drivers can find lower rates by staying loyal to their companies and bundling policies or taking courses that help improve driving skills. A helpful comparison tool like NerdWallet also enables them to compare estimates from top insurers side-by-side and potentially save hundreds.
Montana drivers should consider both their specific needs and risk factors when selecting car insurance policies, in addition to comparing quotes. While some drivers may prioritize finding a policy with low premium rates, others prioritize exceptional customer service or providing comprehensive coverage levels beyond state minimums. Others still seek savings opportunities by adding teenage drivers or paying upfront at renewal time.
Drivers with an impeccable record and strong credit scores typically qualify for affordable car insurance in Montana, with companies like Progressive offering reduced average rates to those who possess such characteristics. Accidents or traffic violations will typically increase rates, as will DUI or traffic convictions that do not maintain good driving practices following them.
Full coverage in Montana typically encompasses liability, collision and comprehensive insurance. Although adding these extras will increase the cost of a policy, they could be worth adding if complying with lender requirements or protecting against damage from hit-and-run drivers is important. Furthermore, keep in mind that the value of your car could alter these premiums accordingly.
An Montana car insurance calculator can help you gain insight into how your personal factors will influence the cost of your premium. Key components include adding a teenage driver, the coverage level chosen and age as these can all have significant effects. Typically adding a teenage driver increases premium costs 2.2x; different coverage choices have similar impacts.
Montana drivers looking for auto insurance have several key options available to them when choosing their policy provider: State Farm and Allied have excellent customer ratings while Progressive offers some of the most cost-effective policies to those with speeding tickets or at-fault crashes on their records. Snapshot(r), their usage-based auto insurance program, is also widely respected for offering additional savings to drivers who drive safely and avoid accidents. Montana drivers looking for maximum results with their car insurance calculator should also assess each insurer’s financial strength rating (A++ is ideal), customer service ratings, and claims processing processes to get an idea of their ability to promptly process claims on time and pay out valid claims.