It's important that you understand the Montana minimum coverage requirements and optional policies when looking for car insurance. Liability insurance is required by the state. This covers medical costs and other expenses resulting from accidents. A comprehensive policy can be added to help pay for damages after an accident.
The cost of auto insurance is high in Montana, but there are some ways to lower your rate and save on your premium. You could, for example, compare quotes to find the best price.
Montana auto insurance costs $2,476 annually, slightly more than national average. The cost of insurance policies varies depending on individual factors including age, driving records, credit scores and location.
It's important to select the best policy for your needs and assets. You can recover more quickly from an injury if you have the right policy.
You can find cheap auto insurance in Montana if you use a site like Clearsurance and shop around. This website will provide you with an insurance quote based on a variety of factors.
You may be eligible for a quote as low as 47% less than the Montana average if, for example, you're an individual driver with good credit and no accidents. USAA may offer a lower rate to active-duty military personnel or veterans.
Avoiding a policy with minimum coverage is a great way to find cheap auto insurance in Montana. These policies can be much more expensive and lack the coverage that drivers need to protect themselves after an incident.
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 add a comprehensive insurance policy to your Montana automobile insurance in order to cover damages when you're at fault but not the cause of an accident. For example, hail and other types natural disasters. This can be especially useful in Montana, where storms and other unpredictable weather events can cause extensive damage to your car.
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, with its A+ rating and 3.5 star ratings from Google, is a great choice for anyone looking to buy car insurance in Montana and Wyoming. AM Best gives it a financial score of 'good', which indicates that they have the resources to cover any claims.