Whenever you make a significant investment in your life, it is most sensible and rational to insure it. An investment in an automobile vehicle is one of them. Cars increasingly represent an increased standard of living. They also offer better commutes, which exponentially increases the economic productivity of the entire family. The requirement for promising car insurance becomes apparent and indispensable. As demand rises, so do prices, making car insurance more and more expensive to afford. Undoubtedly, Montana auto insurance is a booming industry. Some simple tricks can, however, help you find a significantly cheaper car insurance plan. Installing equipment that assures the insurance company of your commitment to your absolute safety over profit will readily make you a worthy candidate to sell the plan to. Technological support systems like daytime running lights, anti-lock brakes, and automatic seat belts reduce accidents by up to 50 percent and help you land cheap car insurance in Montana. Another trick suggested by experts is to combine your vehicular insurance with a home insurance policy to get cheap auto insurance Montana.
The price of your car insurance will decrease as the probability of you facing an accident decreases. And it’s interesting how both sides of that equation are actually in your favor. Driving for a year without getting any ticket on your license, or taking an approved advanced driving course, go a long way in proving your credibility as a fine driver. Your credit score also plays a role in landing you cheap car insurance Montana. Consider removing young people from your car insurance policy or including young drivers with better grades at school. The latter tells the company that your son or daughter, or nephew is conscientious and unlikely to engage in rash or drunken driving.
Who Has The Cheap Car Insurance In Montana?
It is useful to compare Montana car insurance rates before opting for one. Most insurance companies offer plans based on driving skills and credit score. Considering these two aspects alone, most drivers fit perfectly into the profile for a standard “full coverage insurance.” This includes comprehensive and collision-related coverage, along with state-required coverage. Comprehensive car insurance pays for vehicular damage caused by covered events such as vandalism, hail, and theft. Collision insurance is a separate category, especially for collision-related accident events that cause vehicular damage.
The following Montana car insurance companies provide the cheapest rates. The shown prices include a good driver discount, wherever provided by the insurer.
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Best Cheap Car Insurance Companies In MT
For minimum coverage policy, the average cost of car insurance is $654 per year in Montana. The rates for the same policy can differ by almost $600, varying from insurer to insurer. Comparison of courts can help the drivers maximize their savings. State Farm fares well in most surveys that assess car insurance policy rates. It offers the cheapest car insurance for minimum liability ($359) and full coverage ($1,295). It is also the most affordable option for young drivers. Allstate, on the other hand, has the best customer service. Other Montana car insurance companies offering a cheap minimum-coverage policy include GEICO ($425) and Progressive ($512). StateFarm is the most affordable for full coverage, while distant alternatives are GEICO ($2,270) and Progressive ($2,391).
Who Has The Best Car Insurance In Montana?
AAA is touted as the best car insurance provider in Montana in all parameters. It boasts high customer satisfaction levels, along with 5-star ratings for policy offerings, price, and availability. Its unique pricing policy enables you to choose the best-suited plan for your family’s individual needs. There are multiple discounts and offers that you can exploit, and the approach is highly customer-centric. As a member of the AAA ecosystem, you get discounts at many hotels, restaurants, and other establishments. The pricing is competitive whether you use minimum liability packages or full coverage. AAA’s commitment to road safety is visible in their defensive driving courses, some of which you can avail of for free along with your car insurance plan.
If your central concern is insuring multiple cards at once, then StateFarm is a good option for you to consider for their special offers tailor-made for this purpose. On the other hand, if you belong to a military family, then USAA might be your go-to company for their particular military personnel discounts.
Average Cost Of Car Insurance In Montana
The average rate for Montana auto insurance is $1,665 per year. This is 13.5% more than the US average. Other than geography, your marital status, gender, credit history, and driving record determine your auto insurance premiums.
Montana Car Insurance Laws – Minimum Car Insurance Requirements
The rules for car insurance requirements are given in Montana Code Annotated sections 61-6-103. According to the Code, any motor vehicle operating on public roads should be ensured by a liability insurance policy with the following minimum coverage limits:
- $25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver
- $50,000 liability coverage for total bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
- $20,000 liability for property damage per accident caused by the owner/driver of the insured vehicle
Liability coverage is meant to pay the medical bills, property damage bills, and other costs of passengers, pedestrians, and drivers who have suffered because of a car accident you cause. It is advisable to carry more coverage to protect you from considerable car accident injuries and damage to your vehicles. Once your policy limits exhaustion, you are personally responsible for any additional expenses that the accident might have created.
In such a case, higher insurance limits protect your assets. Your liability coverage is also applicable if a family member or someone else you have given your permission to is driving your vehicle. In most cases, it also applies if you get into an accident in a rental car.
Your Montana auto insurance also includes uninsured motorist coverage unless expressly denied on your part.
It may initially seem very economical to pay for what is mandatory by the law and skip the additional coverages. However, if you are involved in an accident on an unfortunate day, the minimum requirement will not be enough to cover your injuries or pay for the damage. As a result, taking optional coverages can be beneficial for your financial well-being or anyone from your family who might be involved in the accident.
How To Get Cheap Car Insurance In Montana?
The amount that individuals must pay to insurance companies usually depends on their likelihood to settle a claim. As a result, Montana drivers who are less likely to make claims can get cheaper car insurance. It includes mostly older drivers who are more accustomed to the road or military personnel. It could also help get a more affordable quote if you live in a rural area or a smaller town or have good credit scores. Anything that points in an unhealthy direction, from a speeding ticket to a missing bill, can raise your insurance premium rate. Here are a few ways you can try to get cheaper Montana car insurance rates.
- Compare and Contrast
One effective method to get cheaper quotes is to obtain multiple rates from different insurance companies. You would be surprised to find that the prices you would get back are very different, even for the same profiles.
2. Ask for Discounts
There is no shame in being proactive when asking for discounts. Apart from this, you may even stumble upon additional benefits while you are in play.
3. Disclose Complete Information
Your immaculate record can also get you more reasonable insurance rate quotes. For instance, many insurance companies provide lower rates for a clean driving record or how many miles you travel each year. A little digging can help you unearth considerable savings.
If you are easy-going and always play safe, your premiums will stay low. Moreover, if you don’t mind someone tracking your driving behavior, insurance companies can set up an in-vehicle tracking device to observe your real-world driving patterns, based on which they will quote you a rate.
Is Car Insurance In Montana A No-Fault State?
Individuals must know that Montana follows a traditional fault-based system when it comes to car accidents. As a result, if you are liable to financial claims stemming from a crash, including car accident injuries, lost income, car damage, and so on, car insurance will play a significant role in settling those claims.
If you are involved in an accident in Montana and are injured or have suffered from car damage, you can proceed in one of the following three ways:
- You can begin by filing a claim with your insurance company. It is under the assumption that the policy covers the loss. The accidental victim’s insurance company will turn around and file for a subrogation claim against the at-fault driver in such a situation.
- You can also file for a third-party claim directly with the at-fault driver’s insurance company.
- Another way for affected individuals to proceed in filing a personal injury lawsuit in civil court against the defaulted driver.
Individuals must note that in no-fault car insurance states, the claimant doesn’t usually have the same range of options. The victim must turn to personal protection coverage in such a situation.
Montana Car Insurance Rates By Credit Score
Insurance companies weigh in several factors when they decide on the insurance premium they should charge the client: your age, location, driving record, vehicle condition. Everything is scrutinized before finalizing the rate. But most importantly, it is your credit score that insurance companies take into consideration. In Montana, drivers with an immaculate credit score pay an average of $96 per month for premium, whereas individuals with poor credit typically pay $174 per month.
To put things in a yearly perspective, the price of a representative policy averaged $1,510. Assuming all factors remain constant, the cost jumps to $1,547 for drivers with a reasonably fair score. However, for individuals who scored poorly on all fronts, a poor credit surged the price to $2,468 per year. The reason for such high costs is relatively straightforward. Insurance companies have observed that drivers with low credit scores tend to file for more claims.
Montana Car Insurance Rates Per Vehicle
Apart from all general factors, a lot of people don’t realize that the car they drive considerably affects the amount they pay for insurance. Montana car insurance companies also weigh in the state of your vehicle before declaring a premium quote. Insurers also use various statistics and tools to determine how much they will charge for specific car models. Some of the factors in those statistics include:
- Repair Cost – If your vehicle is relatively new or will cost more to repair, it is reasonably possible that you would be charged a higher premium. You will likely pay more for a newer car even if you compare it against the older version of the same vehicle.
- Theft Risk – Some car models can entail a higher premium if they are more likely to get stolen or is popular amongst the thieves in that particular area. If your car is present in a location that indulges more car thefts, you will pay a higher premium even then. However, you can get bonuses or discounts if you are willing to install anti-theft devices in your vehicle.
- Advanced Safety Features – You can also save on surged premiums if your car model is equipped with advanced safety features or devices. These features can include a rearview camera, a blind-spot detection device, automatically engineered emergency brakes, or anti-theft alarms and devices.
If you have multiple cards, you can consider getting your vehicle insured from State Farm. However, it is best recommended that getting insurance is the first step to offset probable losses if you own an expensive car. Apart from this, a spotless driving record, staying on top of maintenance schedules, or installing anti-theft equipment can save you on the insurance premium money.
Best Coverage For Multiple Cars In MT Car Insurance
State Farm is an excellent brand if you are considering getting car insurance for multiple cars. It is a brand that is synonymous with households and confers a smart choice for anyone who owns multiple vehicles. The company offers a 20 percent discount on premium if you insure more than one car with them, speaking calculably. You can also qualify for several deals with State Farm, one being a 15 percent relaxation on premium if you have been accident-free over the last three years. Teenage drivers can also get considerable student discounts and training relaxation on good behavior.
Nonetheless, owning more than one car can cause your premium to double, which may involve considerable layout on the owner’s part. It is possible that you may try to balance your insurance premium rates and would not want to compromise on coverage to protect your vehicle and family. For each of these reasons, State Farm allows you to do that with their competitive rates and strategically good price points. The company indulges in the cheapest car insurance Montana and empowers car owners to insure their vehicles to mitigate liability when traveling on the road.
Car Insurance In Montana Offers Good Driver Discount
Many insurance companies offer excellent deals to help clients reduce their premium rates. State Farm provides numerous discounts to policyholders based on several influential factors, some of them being a clean driving record or a through-the-roof credit score. For cheap car insurance Montana fosters many companies that can provide you an auto insurance policy at a reasonable cost. The following are a few instances where insurers granted policyholders decent discounts.
- Insurance companies provide drivers with accident-free discount deals. It implies that any person who did not indulge in an accident for at least three years received relaxation at premium rates.
- Apart from this, good driving discounts are available for policyholders who avoid traffic violations or are meticulous at following rules while driving on the road.
Moreover, Pemco features an array of education-related relaxations for teenage drivers, including:
- The company provides considerable student discounts for drivers aged between 16 to 24.
- The University of Washington Alumni can also avail discounts on related grounds.
If you are the individual who stays appraised with developing technology and also equips your car with the same, you are in for some hefty premium discounts. The Hartford policyholders treat on several relaxations for owning fuel-efficient and safety-equipped vehicles. You can always avail good deals for being cautious as insurance companies prefer clients who are responsible with their cars. Some of the offers include:
- Airbag Discounts – This discount is applicable for those vehicles that are equipped with one or more airbags.
- Anti-Theft Device Discounts – If your car entails an alarm system, you are in for some dedication with your premium rate.
- Vehicle Fuel Type Discounts – If you are the proud owner of an electric or hybrid automobile, be ready to avail some concession with Hartford.
Since the features mentioned above strengthen safety, there are fewer chances of getting injured if the driver is involved in a fatal accident. Montana car insurance rates are reasonable if you are a responsible driver.
Top 10 Cheapest Cities For Car Insurance In Montana
If you live in Montana, you should know that the city’s motor vehicles attract more thieves than you might think. The FBI’s Uniform Motor Crimes Report suggests that more than 2700 cars are reported stolen in the state yearly. While it may not seem like a lot, it is considerably more than any of the four states that border Montana. If you compare Montana and Idaho, you will notice nearly twice as many cars get stolen in Montana than the latter. With such risk factors playing in, Montana auto insurance companies naturally charge a higher premium as compared to other states.
However, if you are living in any one of the following cities, it is likely that you are paying some of the lowest Montana car insurance rates in the state.
- Libby, Montana – $75 per month
- Miles City – $76 per month
- Hamilton – $77 per month
- Anaconda – $78 per month
- Hardin – $84 per month
- East Helena – $85 per month
- Havre – $86per month
- Glendive – $87 per month
- Belgrade – $88 per month
- Stevensville – $90 per month
Here is the list of the ten most low-priced cities for cheap auto insurance Montana offers. According to recent surveys, researchers unraveled that Libby is the most affordable city that offers economical Montana car insurance rates. Other cities that made the top ten include Miles City, Anaconda, Belgrade, and Stevensville. With average monthly insurance rates ranging between $75 to $90, you should notice that living in these areas can actually benefit consumers who are looking for affordable insurance rates. Montana’s minimum car insurance coverage involves a policy covering at least $25,000 worth of damage (physical injury or property damage). It involves the maximum payment for serious or permanent injury by the at-fault driver’s carrier to the victim or his/her family. Other policies include $50,000 worth of bodily injury coverage per accident or $20,000 worth of property damage per accident. Individuals can opt for any based on their appetite for accidents and the insurer’s assessment. However, every Montana driver must carry liability insurance, no matter their age or how old a vehicle they drive. Therefore, for cheap auto insurance Montana offers several places for individuals where they can get more reasonable premium rates for additional coverage and minimum requirement.
Cheap Auto Insurance In Montana For Minimum Coverage
Are you searching out for the cheap auto insurance companies in Montana for minimum coverage? If yes, then we’ve got an answer! As per our research, we’ve found that the below-mentioned insurance companies offer cheap auto insurance policies in Montana for minimum coverage.
- Safeco: $215 per year
- State Farm: $358 per year
- Allstate: $426 per year
- Progressive: $497 per year
- MetLife: $543 per year
- USAA: $617 per year
- Progressive: $732 per year
- Geico: $819 per year
- Farmers Union: $892 per year
From the above-mentioned top 5 companies, you can choose any one of them depending upon your insurance needs and requirements. But if you want to go with the cheapest option, then Safeco is the best option that charges only $215 per year for minimum coverage.
Cheap Car Insurance In Montana By Age
Like all other factors affecting the rates of car insurance in Montana, age is another such factor that has a significant influence on the car insurance rates. Typically, car insurance companies charge more prices from the younger drivers in the age of 20s. On the other hand, the companies offer discounted rates for older and experienced drivers. The reason behind this is that the insurance providers see young drivers as inexperienced who have more risk of getting into an accident.
So, for this reason, the typical teen driver who is between the age of 16 and 19 will have to pay nearly $250 per month, while a driver who is in the age of 40s will have to pay an average of nearly $135 per month.
Why Car Insurance Rates Vary In Montana
Whenever you buy cheap car insurance Montana, you might get confused with why Montana car insurance rates vary. Well, we have got an answer! Whether it is Montana or any other state, the rates of car insurance usually vary depending upon a variety of factors. The car insurance premiums can vary significantly from one insurance company to another because of the rating factors that they use to determine the rates of car insurance.
The amount that insurance companies charge as car insurance premiums mostly depend upon the likelihood that they’ll have to pay a claim. Therefore, the Montana drivers who are less likely to claim to get the lowest pricing for their Montana auto insurance.
Do you know who these lucky folks are? Well, they all are the older and experienced drivers who have spent more time on the road while avoiding accidents and other driving infractions. Apart from this, the age, gender, marital status, geographic location, credit score, driving history, etc., affects the rates of car insurance premium in Montana. As all these factors are different to different people, therefore the rates of car insurance premiums vary.
Cheap Car Insurance In Montana After A DUI
DUI stands for “Driving Under Influence.” The DUI is considered fraud in Montana, and hence if you are ever caught while driving under the influence, then you have to pay more prices for your insurance policy. So, if you are recently charged with a DUI and looking for cheap car insurance in Montana, then we have got you covered.
After a DUI, the below-mentioned cheapest auto insurance companies in Montana will offer you affordable car insurance rates. The insurance companies are ranked by the lowest average rate for full coverage policies:
- Safeco: $1,153 per year.
- Progressive: $1,572 per year.
- Allstate: $1,853 per year.
- MetLife: $2,156 per year.
- Allied: $2,345 per year.
- Geico: $2,789 per year.
- USAA: $2,951 per year.
- State Farm: $3,105 per year.
- Farmers Union: $3,155 per year.
Always be warned that you may also be rejected for coverage, including from the companies listed above. The rates can also vary by hundreds between insurance companies after a DUI, and some may penalize you for a longer time than others. Therefore, it’s vital for you to shop around first and then choose the insurance company as per your car insurance requirements.
Cheap Car Insurance In Montana For Young Drivers
Almost all the young drivers in Montana might be aware that how hard it can be to find the car insurance companies that offer car insurance premiums at the lowest prices. However, with a little due diligence and shopping around for insurance quotes, the young drivers can find multiple options when it comes to cheap car insurance companies in Montana for young divers!
For all the young drivers in Montana with a clean driving and good credit history, below mentioned are the top 5 cheapest auto insurance companies that are ranked by lowest average rate!
- Safeco: $772 per year
- Nationwide: $951 per year
- Allstate: $1,137 per year
- MetLife: $1,192 per year
- Progressive: $1,235 per year
- Allied: $1,306 per year
- Geico: $1,516 per year
- Farmers Union: $1,819 per year
- State Farm: $1,954 per year
So, as per the above table, it is clear that Safeco is the cheapest car insurance company in Montana for good young drivers with a clean driving record and good credit history. Moreover, you can choose any other insurance company from the list mentioned above depending upon your car insurance requirements.
Full Coverage Cost Of Car Insurance In Montana
The full coverage insurance policies not only protect you against the liability costs but through collision and comprehensive coverages, it also helps you to cover the damage to your own vehicle for incidents that happen both on and off the road.
The top 5 cheapest companies for full coverage car insurance along with their average annual and monthly cost in Montana are as follows:
- State Farm: Charges $1,295 annually and $108 monthly
- Safeco: Charges $2,270 annually and $190 monthly
- Allstate: Charges $2,380 annually and $198 monthly
- Farmers: Charges $2,415 annually and 202 monthly
- Geico: Charges $2,516 annually and $210 monthly
- Progressive: Charges $2,576 annually and $215 monthly
From the top 6 companies mentioned above, you can choose any one of them depending upon your full coverage insurance needs and requirements! No matter which insurance company you choose, you’ll indeed have an excellent experience with each one of them.
Cheap Car Insurance Companies In Montana For Drivers With Bad Credit
Are you a driver with bad credit? If yes, then you might be hunting for some of the top cheap auto insurance Montana for drivers with bad credit! Well, we have got you covered with its answer!
Almost all the Montana car insurance companies consider the credit score of the drivers in order to determine the price of cheap auto insurance Montana. So, the drivers with good credit are likely to pay less as compared to the drivers who have a bad credit history.
The average credit score in Montana is 720, which is considered a good credit score. But if your credit score is less than 720, you can still buy the insurance premium at lower rates from the below-mentioned Montana car insurance companies. Have a look!
- State Farm
All the above-mentioned car insurance companies will surely offer you cheap auto insurance Montana if you are a driver with bad credit.
Cheap Car Insurance Companies In MT For Seniors
Are you a senior citizen who is hunting for cheap car insurance Montana? If yes, then we’re here to help you out. Getting older generally means declining eyesight and slower reflexes. So, all such things lead to higher insurance premium rates for senior citizens. All drivers above the age of 75 must renew their driving license and take the proper test for road signs and visions after every four years.
Now, if we talk about the cheap auto insurance Montana companies, then as per our research, the below-mentioned insurance companies offer car insurance at cheaper rates to the senior drivers. Have a look at the average car insurance rates for seniors in Montana!
- Geico: Charges $50 monthly and $605 annually
- USAA: Charges $55 monthly and $657 annually
- MetLife: Charges $60 monthly and $713 annually
- Progressive: Charges $66 monthly and $789 annually
- Nationwide: Charges $72 monthly and $864 annually
- Amica Mutual: Charges $78 monthly and $927 annually
- Farmers: Charges $88 monthly and $1,052 annually
- State Farm: Charges $93 monthly and $1,113 annually
- Travelers: Charges $98 monthly and $1,167 annually
- Allstate: Charges $101 monthly and $1,208 annually
- Allied: Charges $105 monthly and $1,258 annually
How Car Insurance Rates Are Calculated In Montana
Do you want to know how car insurance rates are calculated in Montana? If yes, then we’ve got you covered! Whenever you search and compare the quotes from the best auto insurance companies in Montana, it can be daunting for you to understand how your insurance premium rates are calculated.
Basically, there is no exact formula or technique that each car insurance company uses when offering you a quote; instead, there are many crucial factors that contribute to the price that you pay for your cheap car insurance Montana. If you want to know what those factors are, have a look!
- Your driving record
- How much you drive
- Marital status
- Your car’s make, model, and year
- Your credit history
All the factors mentioned above play a critical role in determining the rates of your cheap auto insurance Montana. So, if you want to get cheap car insurance Montana, make sure to have a clean driving record with no DUI or speeding ticket.
Montana Car Insurance Rates By Education
Are you aware of the fact that the Montana car insurance rates are influenced by the level of education that you have? If no, then we are here to let you know about this!
The Montana car insurance companies look at the level of your education while determining the Montana car insurance rates. It is usually not a significant factor, but your level of education can affect your monthly rate for Montana auto insurance. In Montana, all the drivers with a High School Diploma will mainly have to pay $172 per month, whereas, on the other hand, a driver with a Bachelor’s Degree will have to pay nearly $156 per month.
Montana Car Insurance Rates By Marital Status
The Montana car insurance rates differ from person to person depending upon a variety of factors. One such factor is marital status. Yes, you might be unaware of this fact, but it is true that the marital status of a person has a great impact on the price that he/she is paying for the car insurance premium.
The married couples in Montana generally pay more for their Montana auto insurance as compared to the drivers who are single. This is possible because of the fact that there is more than one driver on the cheap car insurance Montana policy. Moreover, the married couples also will usually have more than one vehicle and could possibly have some teen drivers also on their Montana auto insurance policy. If we talk about the Montana car insurance rates, then the married couples typically pay around $170 per month while single drivers pay around $150 per month.
Liability Vs. Full Coverage Car Insurance In Montana
Are you confused regarding liability and full coverage car insurance in Montana? In this section, you’ll get to know a clear difference between Liability and Full Coverage Car Insurance.
- Liability Coverage: The liability insurance covers the cost of injuries and damages that you caused to another party in an accident. In simple words, we can say that liability insurance does not cover the damage caused to yourself or your own car, but it covers the damage to the other party for which you are legally liable.
- Full Coverage: Full coverage car insurance is a coverage that covers the following:
- Liability Insurance: Liability insurance is insurance that covers the costs of repairs and injuries caused to another party in the event of a covered accident in which you are at fault.
- Comprehensive Insurance: Comprehensive insurance covers certain damages to your vehicle that are not caused by a collision with another car but is caused by accidents related to theft, weather, fire, and more.
- Collision Insurance: Collision insurance covers the damage to your vehicle if you’re found at fault in a collision. But one vital thing to note here is that it does not cover the other party’s vehicle or anyone’s bodily injuries.
In short, we can say that liability coverage is comparatively cheaper as compared to full coverage car insurance, and it covers the cost of damage that you might cause to other people or vehicles. On the other hand, the full coverage includes comprehensive and collision insurance, possibly PIP and UM/UMPD, which would cover you, your vehicle, and passengers if you had an accident, regardless of who is at fault. As per Montana car insurance rates, the average rate for liability coverage is nearly $98 per month, whereas the Full coverage will cost you nearly $164 per month.
Penalties For Being Uninsured In Montana
As per every state’s rules and laws, the penalties for being uninsured differ from one state to another. So, if we talk about Montana, the failure to comply with the Motor Vehicle Insurance Responsibility And Verification Act of Montana is considered as a misdeed due to which you can be punished. Have a look at all are the penalties for being uninsured in Montana.
- Fines: When it comes to cheap auto insurance Montana, the drivers who are uninsured may have to pay fines that increase considerably on the basis of the number of times you have been caught. So, if you are a first-time offender, then you will be charged with a fine between $250 and $500. Moreover, if the offense is repeated within five years of the last conviction, then you will be charged with a fine of $350. For the third and following consequences, you will have to pay a fine of $500.
- Prison Time: On your first and second offend for driving without being insured, you may have to face prison time for ten days. Moreover, the offenders who have been caught for the third time or more can be ordered to serve for up to a maximum of 6 months. It is the decision of the court whether to punish you with prison time, fines, or both.
- Suspension of Driving Privileges And Revocation For No Insurance: If, in any case, you fail to follow the mandatory Montana auto insurance laws, then it can lead to the mandatory revocation of the registration of your vehicle. For your first offense, you will get a pass. This penalty is primarily for repeat offenders. Once you will pay the fines and show acceptable proof of insurance, then your vehicle registration will still be revoked for about 90 days on the second offense and 180 days on the third offense.
Montana Car Insurance Frequently Asked Questions (FAQs)
Do you want to know the answers to some of the frequently asked questions relating to cheap car insurance Montana? If yes, then we’ve got you covered. Below-mentioned is the answers to some of the frequently asked questions that will help you know more about Montana auto insurance. Go thoroughly through all of them and get a clear and precise understanding of cheap auto insurance Montana!
- What Car Insurance Is Mandatory In Montana?
The straightforward answer to this question is Liability coverage. The liability coverage is the only insurance coverage that is legally required in Montana. This type of coverage pays for all the property damage and injuries you cause to another driver or their passengers in an “At-Fault” accident. The liability coverage can also go towards paying for the pain, suffering, and lost wages of the injured party.
- What Happens If The Other Driver Doesn’t Have Liability Insurance?
If the other driver does not have liability insurance, then, in that case, the UM coverage will work! Uninsured motorist (UM) coverage is the coverage that pays for bodily injury and property damage suffered by you or by the passengers in your vehicle due to an accident involving an uninsured driver.
All the Montana car insurance companies are legally required to provide Uninsured motorist coverage in your liability policy. But as an insured, you have the right to deny this coverage by checking a box on the policy. So, if you decide to reject the Uninsured Motorist coverage and are involved in an accident with an uninsured driver, then, in that case, you are only left with the option to sue the uninsured driver for your damages via a personal injury lawsuit. But the problem with using an uninsured driver is that a driver who does not have money to buy insurance may not have money to pay a judgment as well.
Optional car insurance coverage in Montana
In such a situation, you could benefit from having a policy that covers your damages regardless of who is at fault. Luckily, there are a plethora of coverage policies options available in Montana that involves:
- Collision coverage
- Comprehensive coverage
- Medical Payments
- How Long Can I Go Without Paying My Car Insurance?
This is one of the most common questions that is asked by Montana residents regarding Montana auto insurance! So, the answer to this question is – “Between 10 to 20 days”. Moreover, if you are confused regarding -whether there is there a grace period for paying car insurance or not, then we have got an answer!
If you miss a payment of your car insurance premium, then, in that case, your car insurance probably will not be canceled right away. So, depending upon your state and your specific insurance company, you probably have a grace period of 10-20 days before your insurance provider cancels your insurance policy.
- Why Do I Have To Pay a deductible If I’m Not At Fault?
Your insurance company pays for all your damages, excluding your deductible. But you need not worry because if the claim is settled and identified, you were not at fault for the accident, then, in that case, you will get your deductible back. The involved insurance companies identify who’s at fault.
- What’s The Difference Between Collision Coverage and Comprehensive Coverage?
The terms collision and comprehensive coverage are often confused when it comes to cheap auto insurance Montana! Most people consider both these terms the same, but they are very different from each other. So, let’s look at what each one of them means and how they are different from one another!
- Comprehensive Coverage: The comprehensive coverage car insurance pays for the damage to your vehicle or car caused by covered events like hail, vandalism, or theft. In other words, we can say that comprehensive coverage pays for the damage to your vehicle that is not collision-related.
- Collision Coverage: The collision coverage car insurance pays for the damage to your vehicle caused by a collision with another vehicle. This may involve full replacement or repairs of your covered vehicle.