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Guide to Cheap Car Insurance in Montana

Montana is the fourth-largest state, but it only ranks 44th in total population. Named for the majestic, craggy mountains that dominate the western parts of the state, Montana is called “Big Sky Country,” and it lives up to its name. Montana is still home to vast cattle ranches and the Western lifestyle is still going strong there. The state’s cost of living is quite low, but it is still worthwhile to seek of cheap Montana car insurance.

Montana Driving Hazards

Driving can be hazardous in the mountains of Montana, especially in the winter with the copious amounts of snow that fall at high altitudes. On the rolling plains, driving can be dangerous during blizzards and flash floods, and animal strikes are frequent at night in the rural areas. Montana’s biggest driving hazard is road debris. The National Highway Transportation and Safety Administration declared in 2011 that Montana was in the top five of states with the most fatalities caused by vehicle crashes with non-fixed objects such as debris, litter, and live and dead animals.

Montana Facts and Figures

  • Montana ranks at number 29 most-expensive state for auto insurance. Montana car insurance averages out to $650 for a six-month policy with only basic liability coverage.
  • 149 vehicles were reported stolen in Montana in 2009, making it one of the “safest” states as far as vehicle theft is concerned. This reduces the risk level associated with Montana car insurance, keeping policies reasonably priced.
  • 2,138 vehicle crashes were reported in Montana in 2009, 86 of which were fatal, resulting in 97 deaths

Mandatory Auto Insurance

Having auto insurance in Montana is the law. Residents are required to carry liability coverage at all times. New residents must get local coverage within 30 days of moving to Montana, and they must keep their vehicles insured at all times or risk having their licenses, tags and registrations suspended, not to mention being penalized financially. Montana has liability minimums of 25/50/10, which means that in the event that the insured driver causes an accident, the insurance policy will pay:

  • Up to $25,000 in individual bodily injury compensation
  • Up to $50,000 in whole incident bodily injury compensation
  • Up to $10,000 in property damage compensation

Why More Coverage is Sensible

Even in Montana, where basic costs are lower than in many other states, vehicle repair costs and medical bills can add up very quickly. In the event of a serious accident, the minimum limits would be exceeded quickly, leaving the insured driver to pay for these items out of their own pocket. It is better to carry more than the minimum in order to avoid financial problems. Also, obtaining collision and comprehensive coverage is not required, but those with financed vehicles have to maintain it. This coverage pays for damages caused by at-fault accidents and other events.

Getting Cheap Montana Car Insurance

Drivers with safer vehicles and good driving records qualify for the lowest car insurance rates in Montana. In order to lower your monthly premiums, increase your collision or comprehensive deductible, or do away with this coverage altogether if it is not necessary. Cut out redundant coverage such as medical payments if you have health insurance to bring down the policy price. Qualify for safe-driver discounts by taking defensive driving school, use association memberships such as AAA and AARP to qualify for other reductions, and bundle your insurance policies from one company.

Montana car insurance does not have to break the budget. By comparing quotes from several companies that are licensed to do business in Montana you can save significantly. Allow us to help you find a policy that suits both your wallet and your particular insurance needs. It is fast, free and, most of all, trustworthy.

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