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What type of insurance do you need?
They understand your risks and will find you the coverage you need.
On average, Montana drivers pay $2,476 a year for car insurance. This is much higher than the national average cost of $1,311 a year. Shopping around for the lowest rate has the potential to save you hundreds of dollars a year.
Independent insurance agents can help by obtaining customized quotes from multiple insurance companies for you. That way, you can be sure you are getting the coverage you need at a competitive price.
Accidents can happen to anyone – even the best drivers. If you are involved in a crash, here are a few of the ways that your Montana auto insurance can help:Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
In addition to the coverage mentioned above, you can also include other optional coverage in your car insurance policy such as:
Montana is what is known as an “at-fault,” or “tort,” state. This means that the driver who caused the accident is responsible for covering the cost of repairing damage and treating injuries.
Driving without insurance is illegal in Montana. If caught, you will be charged with a misdemeanor and can face the following penalties:
Despite this, approximately one out of ten drivers you are sharing the roads with in this state is driving an uninsured vehicle.
These uninsured drivers have no backup to cover their financial obligations if they cause an accident, and they are unlikely to be able to pay for any medical attention you may need if they cause a collision with your vehicle. This means you may need to go through lengthy court hearings and lawsuits just to get a fraction of what is owed to you.
Fortunately, if you include uninsured motorist coverage in your auto insurance policy, you can have the coverage you need right away if an uninsured driver hits you. This optional insurance pays for your medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver.
When it comes to car insurance, there is no such thing as an insurance company that is the best for everyone. The company that offers you the best rate for coverage might not be the right choice for your neighbor, and vice versa.
That is why independent agents compare policies and rates from a variety of top-rated insurance companies. That way, they can find the policy that offers the coverage you need at the most competitive price.
Yes! There are currently 93 independent insurance agents in Montana who are ready to help.
Because they are not tied to a single insurance provider, independent agents can shop around to find you reliable coverage at a competitive rate. Contact an insurance agent near you to discover how easy it can be to get car insurance at a great price.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
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