Montana Car Insurance

In Montana, car insurance is an absolute necessity if you own and operate a vehicle in the state. As with all parts of the United States, you are required to carry car insurance if you want to legally use your car in Montana. However, looking for coverage can be time consuming and confusing. Well, not anymore!

Since free online quote tools like the one at the top of the page have revolutionized the quote process, it has never been easier and more efficient to get a Montana car insurance quote as it is now.

Read on to learn how to find cheap Montana auto insurance and then use our free Montana car insurance quote tool to find and compare policies from top companies.

Montana Car Insurance Requirements

Every state sets its minimum car insurance requirements for liability coverage. Montana’s are not the highest, nor the lowest, however like so many other states the limits are unrealistically low. You should consider raising these limits by at least 4 times their present levels. The minimum required liability coverage in Montana is 25/50/10, which means:

1. $25,000 bodily injury protection per person
2. $50,000 bodily injury protection per accident
3. $10,000 property damage liability per accident

How To Get The Worst Montana Car Insurance Policy Ever

People are always giving tips about getting good insurance policies. This list is how to get the worst one, and has a few generally known lies thrown in too.

So do exactly the opposite of this advice and you’ll get a great policy.

1. When you receive your insurance renewal papers, do nothing. It will automatically renew giving you one less thing to worry about.
2. Drive as fast as you can and zip through yellow lights and barely red ones. You might as well have some fun on the road. The insurance company doesn’t care.
3. Don’t bother to take driver’s education courses when you get a ticket. They take up too much of your time.
4. When you buy a car, get a sports car, one with expensive replacement parts or one that is high on the list of most stolen vehicles and forget about any safety options like airbags and passive restraint seatbelts.
5. Don’t shop around when looking for a new policy. Randomly pick one company from the Yellow Pages and call them up.
6. Do not install theft prevention devices on your car. Leave pricey items in plain sight. They’ll be okay.
7. Go with the state minimums for liability insurance. You’ll probably never need them anyway.
8. Keep your collision and comprehensive deductibles low, so if you need to make a claim it won’t cost you too much out of pocket.
9. Reject all additional coverage without even considering them. Who really needs comprehensive or collision coverage anyway?
10. Take out your policy without asking questions or reading anything over.

The New Types Of Montana Auto Insurance Coverage

As you look for Montana auto insurance, you will find that there is more than just the traditional types of coverage like liability, collision, comprehensive, personal injury protection and uninsured motorist coverage. Amongst the new types of coverage you will find are:

• Towing and labor: This covers the cost of towing your vehicle to safety or having someone put it in working condition so you can drive it to safety.
• Rental reimbursement: This gives you coverage for renting a car when yours is undriveable following an accident.
• Sound system coverage: If you put an expensive sound system in your car it may be worth putting extra coverage on it so you can replace it if something happens to it.
• New car replacement: This coverage allows you to have your new car completely replaced at full cost, if you happen to total it in an accident during a certain period of time.

Montana Auto Insurance Companies

There are numerous car insurance companies doing business throughout the country and Montana is no exception. Some of the better known companies that do business in the state include:

1. Allstate
2. State Farm
3. Farmers
4. Liberty Mutual
5. Progressive
6. United Services
7. Safeco
8. Sentinel
9. GEICO
10. Trinity Universal

Online Montana Car Insurance Quotes

Now that you know what to not do when you are looking for a great Montana car insurance policy, it is time to get some quotes and start comparing what is out there.

The quickest and easiest way to shop around is by using an online quote tool like the one you see above.

Simply put in your zip code to get started and in no time you’ll have lots of Montana car insurance quotes to review and compare.