Montana state laws require that all vehicles be insured with the minimum coverage values set by state law. Currently Montana requires at a minimum liability coverage of $25,000 for inury or death of one person that is in the accident, or $50,000 if there are two or more people in the accident, with a $10,000 property coverage for each accident. Montana also follows the TORT system, which mean someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages in that accident. Also you are caught without any insurance on your vehicle, you can be fined up to $500, up to 10 days in jail, and five points will be added against your driving license.
Car insurance can be a frustrating experience and it makes it easier when you know what to look for when you compare auto insurance quotes. When you receive quotes from insurance companies, research that company and find out if there are any complaints against the company that may preclude you from going with the company as your insurer. Another aspect to look at is the claims process; you want an insurance company that has a hassle free claims process. So ask the insurance company how a claim is processed and what is involved on your part, and the time frame involved.
Do not always focus in on the cheapest insurance rate when you compare auto insurance quotes. Just because they are the cheapest, does not mean they provide the best coverage. Look at the type of coverage, the coverage amounts, the value of the deductibles, and most importantly know what is covered and what is not covered in the ‘policy exclusions’ clause. The last thing you want to happen is finding out something on your vehicle was not covered by that policy and this will leave you paying the bill to repair that part.
Ralucaneagu.com – When comparing insurance quotes specifically for Montana car insurance you first want to ask around from people who are currently insured in Montana. The average premium paid to Montana car insurance companies are around $1,294 per year, which is about a $108 per month. Billings and Missoula areas are paying the most which is around $1,400 to $1,600 per year. This is because of higher population areas which increases chances for accidents. Montana car insurance rates will vary by city and the further you are away from a major city the lower your rates will b, so pay attention to this when you are comparing the rates. Also keep in mind these factors will also affect your rates on your Montana car insurance: type of car, safety features associated with the car, driver’s age and type of drivers education they have received, and any prior accidents or tickets.
The top five most populated cities in the State of Montana are: Billings, Missoula, Great Falls, Bozeman, and Butte-Silver Bow.