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Buying auto insurance in Montana can be a daunting task. Insurance companies offer options ranging from different coverage amounts to roadside assistance options. Trying to figure out which option is best for your situation can be overwhelming. Car insurance is essential but no one wants to pay more for an option they dont need. Were here to help with the Lawyers Guide to Buying Auto Insurance in Montana!
Car Insurance Montana Requirements
Montana law requires liability insurance for all licensed vehicles. Liability insurance covers damages caused to other drivers in car accidents in which you are found to be at fault. Covers physical and property damage for an amount specified in the policy. Liability insurance designed to reduce these costs is what you choose when building your coverage.
Unfortunately liability alone does not cover property damage or personal injury to you and your vehicle. Collision and comprehensive coverage are the best ways to protect you and your property. Damage to other drivers who exceed the coverage limit is also not covered. However you may incur further liability for damages beyond the declared insured amount.
Montana requires at least mandatory auto insurance for all licensed vehicles. Normal liability limits are $25.000 for personal injury $50.000 for personal injury in an accident and $20.000 for property damage. Penalties for not having insurance can be a fine of up to $500 and up to 10 days in jail for a first offense.
Lender Insurance Requirements
If you find yourself in the unenviable position of owning a vehicle without leasing or financing you may choose to take out state-mandated minimum liability coverage. However the rest of us must meet requirements in lease or financing agreements. Lenders have a vested interest in preserving the value of the vehicle in the event of an accident.
Comprehensive coverage usually covers fire theft explosion broken glass animal collision and other damages with collision coverage. A collision usually refers to a collision with another object or an overturned vehicle. Usually financing or leasing requirements have very specific dollar amounts for minimum comprehensive and collision coverage and maximum deductibles.
State Farm
With an average annual cost of $751 State Farm earned the highest affordability score and ranked.State Farm has coverages that other insurers typically offer. Its roadside assistance coverage takes care of mechanical towing and lock labor costs. Delivery of gas battery oil or replacement tires is also included. Car rental and/or travel reimbursement pays for rental car costs and travel expenses if you are responsible for an accident involving your rental. This already includes food shelter and transportation. Additionally State Farm offers a unique optional coverage: Trip Sharing Insurance. With this benefit your auto policy coverage remains in effect while you work for a ride sharing company. All coverage except liability insurance when you mount or transport a rider. This add-on is not automatically included in the standard policy.
Allstate
With an average annual cost of $1012 Allstate ranks second in affordability and first in customer satisfaction and complaints. The insurance company also offers portable electronics and media coverage. In addition to the standard coverage offered by most auto insurance companies like roadside assistance and rental car reimbursement and/or travel Allstate offers many unique extras. For example Allstate is one of the few insurers that offers new car replacement coverage that replaces your car with a newer model if it dies. Allstates Portable Electronics and Media Insurance is another unique insurance that covers tape drives and other sound system items. This rare coverage applies to the policyholder and any relatives who were in the car at the time of loss.
The Hartford
Hartford is MoneyGeeks top choice for the best convenient service when you need to make a claim. Accident amnesty coverage protects you from skyrocketing your insurance rates after your first accident. However to qualify you must have an accident-free driving record for five consecutive years. Another unique benefit is gap insurance which is recommended for people who rent or finance cars. This coverage will pay the difference between the original cash value of your car and the amount owed on your car loan if your car is stolen or repossessed. There is also full glass coverage that helps pay for your cars headlight windows and glass repairs without a deductible.
How To Get The Best Car Insurance Montana
Every car insurance company offers different options for different drivers so its important to know which car insurance company is best for you. Finding the best auto insurance in Montana will vary based on factors like drivers license age marital status credit score and geographic location. However there are two things to consider when shopping for car insurance in Montana.
Assess Your Needs: Meet your car insurance needs with the best car insurance company. The price you pay depends on the make and model of your car your age and whether you have high-risk or teenage drivers in your family which can increase your rates and change the level of coverage. are For example if you have a below-average credit score you may find auto insurance companies that are more lenient about your credit history. If you have a history of accidents you may also want to get an insurance company that offers accident coverage.
Consider the position factor:Where you live plays a big role in how much you pay for auto insurance. Montana is known for its glaciers and rocky mountains but if you live in the western part of the state you should definitely consider roadside assistance and wheel protection for additional road hazards. However most auto insurance companies have local agents in each area code who can help you.
