If you need car insurance in Montana it is important to understand both the state's mandatory coverages and optional ones. The state mandates that all drivers carry liability insurance. This coverage pays for accident-related medical costs, and any other related expenses. Add comprehensive insurance to cover repairs in the event of an accident.
There are many ways to save on auto insurance in Montana. For instance, you could compare quotes from multiple companies to find the best deal for your needs.
Montana auto insurance policies cost on average $2,476 a year. This is slightly above the national average. The cost varies based on factors like age, driving experience, credit score and where you live.
It's important to select the best policy for your needs and assets. If you are in an accident, having the right coverage amount can help get you back on track quickly.
Finding cheap car insurance in Montana is possible if you shop around and use a website like Clearsurance. This website uses a range of factors to create a quote for you that's unique.
You could qualify for up to 47% off the Montana average quote if you are a single, responsible driver. USAA can offer lower rates to those who are active-duty soldiers or military veterans.
You can also find affordable car insurance by avoiding minimum coverage. 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 most important auto insurance type in Montana is liability insurance. It pays for property and medical damage in the event of a car accident. It can also help pay for your legal defense if you are sued.
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 is particularly useful in Montana because storms and other unpredictable events can cause significant damage to your vehicle.
A good insurance company will have a strong customer service reputation and will be able to help you quickly after an accident. If you choose a company known for its high level of service, it will save you money on your premiums.
Mountain West Farm Bureau offers a great option to those who are looking for car insurance in Montana or Wyoming. Its A+ rating with the BBB, and its 3.5-star rating on Google make it a solid choice. AM Best has given it an A+ rating for its ability to provide affordable coverage and quality service.