All drivers in Montana are required, by law, to carry insurance on their cars. Here's a quick guide to help you buy auto insurance in Montana.
Call several insurance companies. Before you decide on an auto insurance policy, you should call around to several different auto insurance companies that provide coverage in Montana. Each company will offer you a slightly different policy, with varying rates. Choose the best overall deal for you buy comparing at least 3-4 car insurance quotes. You can find registered Montana auto insurance companies in your local phone book. Or you can go on the recommendation of a friend or loved one. You might also want to check out the internet for quick and easy auto insurance quotes. Here are a few sites to consider when looking to buy coverage in Montana:
In Montana, you'll pay around $650 a year for auto insurance.
Know what the minimum coverage requirements are. The state of Montana has liability coverage minimums that all insurance policies must meet. You need to have at least $25,000 coverage for single bodily injury or death, $50,000 for total bodily injury or death, and $10,000 for property damage caused by an accident. (Keep in mind these exact rates do not apply to motorcycle insurance coverage in Montana.)
In Montana, you are not required to carry any uninsured or underinsured motorist coverage. However, it's still a good idea to consider such coverage since you are responsible for paying victim's fees after an at-fault accident in Montana (including vehicle repairs, medical bills, pain, suffering and loss of wages). This is because Montana is a Tort state, where at-fault drivers are responsible for all damages. Even though the state has required minimums for liability coverage, it's definitely recommended that you purchase an insurance policy that exceeds such limits so that you're financially covered in the event of an expensive accident.
You can exclude a household member from your policy. Auto insurance policies in Montana allow for certain members of a household to be withheld from the insurance policy. These names will be listed in the ‘exclusions' section, along with the circumstances that would indemnify the company from paying claims if those drivers were to become involved in an accident. While opting to exclude drivers from your auto insurance policy in Montana may be cheaper up front, you should seriously consider the decision of not insuring a driver of your vehicle. Remember, you don't want to be stuck with an even bigger bill because your policy doesn't cover the driver in an accident. Read your policy carefully.
Understand the process. Applying for auto insurance in Montana requires that you know a few small details about the application process. You will most definitely be subject to a credit check before you are approved for auto insurance in Montana. That means that your personal credit history will be a factor in what your premiums are. To get the best insurance premiums for your car, keep your bill payments up-to-date and work to raise your credit score. Insurance companies will also consider your age, gender, location, car, driving habits and driving record before arriving at a price for your policy. Every person's situation in Montana is unique, so every auto insurance policy rate will be unique as well.