Thinking about driving around beautiful and scenic Montana? Better have car insurance first, because this isn’t the wild west anymore!
Montana Auto Insurance Requirements
In the state of Montana, there are minimum requirements for car insurance that must be met in order to drive legally. At the very least, every driver must carry Liability car insurance for Bodily Injury, with at least $25,000 for each person and $50,000 per accident. There is also a minimum car insurance requirement of $10,000 in Property Damage. Since any other expenses will be the responsibility of the driver, including medical and repair costs, it is critical to get a quotation for car insurance as soon as possible. It can be done on the internet at no cost, and will enable drivers to budget for their insurance needs.
Montana Auto Insurance Laws
Violation of the MT car insurance law is considered to be a misdemeanor offense, and can carry a fine up to the amount of $500. It can also put five points on the driving record. This will result in an instant revoking of the holders’ driver’s license, and up to ten days in the local jail. It is even worse for repeat offenders. In Montana, the second offense will result in another larger fine, more jail time, and a suspension on the license for three months. Because it is a very serious charge with consequences, it is important to stay insured when driving in MT at all times. Why risk these kinds of penalties when it is so easy to get a free online quote for MT car insurance?
Montana Auto Insurance Coverage
Before surfing the internet for a no-cost MT car insurance estimate, think about the kinds of insurance that are offered in the state of Montana. There are different kinds of car insurance available to suit the needs of most people. However, it is not a one-size-fits-all business. Shoppers need to be informed of what kinds of auto insurance policies there are, such as:
• Underinsured/Uninsured Motorist — Optional car insurance in MT, this policy protects drivers if they are hit by an uninsured or underinsured motorist. It pays medical and repairs if hit by this kind of driver.
• PIP, or Personal Injury Protection — Optional in MT, this kind of policy protects passengers as well as the driver and will pay medical, lost wages from missed work. Even if the policy holder was at fault, the insurance will still pay for replacement service.
• Collision — Not required in MT. It pays all of the damages to repair the policy holders’ vehicle.
• Comprehensive — Also not required in this state; it pays for repair costs as long as it does not exceed the Blue Book value of the vehicle. If it does, the car is considered to be totaled, and the policy holder will receive a cash payment equivalent of the value of the car.
Cheap Montana Auto Insurance Quotes
The old-fashioned way to get a car insurance estimate at no cost in MT is to call around. Many people in this state still do not make full use of the internet. It seems to be a little behind the times, and that is certainly the case. Access to an internet can still be a challenge for some, making it harder for them to get a free online car insurance quote.
These folks feel that they are obliged to use the telephone, and call around for gratuitous auto insurance estimate. However, it saves a lot of time to do it online, and is worth making one trip to a local internet stop such as the local library or a café that has computers. The key is to be prepared with all of the relevant information needed to get free online quotes from different companies.
Montana Auto Insurance Ratings
Ratings are something that auto insurance companies look at to assess the potential risk that the driver will be involved in an accident. The rating system may not seem fair, but it has been used for so long to evaluate risk that it is, practically speaking, an urban legend of sorts. The type of vehicle, the sex and age of the driver, the residential location, marital status and driving record are some of the rating factors used to arrive at your estimated amount to pay for car insurance in MT.
Discounted ratings may be given to drivers with a preferred profile, including drivers who have taken drivers ed., students, vehicles with safety or anti-theft devices, low miles, and other similar items. The fastest way to see if you qualify for these rating discounts is to go online for a free quotation from different car insurance companies and compare the results.
Montana Auto Insurance Rates
The best way to get the lowest prices for car insurance in MT is to compare different companies’ offers from time to time. There are seasonal specials, as well as new customer incentives. Go online periodically to get estimates for car insurance at no charge, but be sure to keep a notebook handy. Comparing what you saw one day to the next can prove to be informative.
Montana Auto Insurance Companies
Some of the most common car insurance companies in MT are:
• State Farm
• SF Insurance
• Liberty Mutual
• Farm Bureau