Montana Car Insurance

While Montana’s population rests slightly below that of many major cities throughout the United States, its vast size and harsh winters make having adequate car insurance an absolute necessity for all Montanans. While shopping for a low cost car insurance policy can be an absolute nightmare at times, CarInsuranceQuotes.com has made the process much easier for our customers in Montana as well as the rest of the nation. After entering their Zip code and answering a few questions about their driving history, CarInsuranceQuotes.com searches our online partner companies and comes back in a matter of moments with multiple car insurance quotes that allows our customers to choose the best car insurance policy for their needs and their budgets.

Montana Car Insurance Requirements

For a number of reasons, including Montana’s low population and wide open terrain, the state has fewer vehicle insurance requirements for its residents. In fact, the only requirement is that all Montana motorists carry a minimum of 25/50/10 in bodily injury liability and property damage liability for each vehicle they own.

•    Bodily Injury Liability- In the event that the insured party is found to be at-fault in an accident, bodily injury liability will pay the medical expenses for the driver and passengers of the other vehicle. When the minimum liability coverage is purchased, the insurance company will pay a maximum of $25,000 for a single person and $50,000 for all persons involved in the accident.
•    Property Damage Liability- Property damage liability covers damages to public and private property such as buildings, road signs and guard rails as well as the other driver’s vehicle. Under the minimum coverage insurance companies will pay a maximum of $10,000 for repairs to property.

Because the costs of repairs and medical expenses can easily surpass the minimum requirements of Montana, the state strongly recommends that all motorists purchase a liability policy that exceeds the minimum requirements as well as Uninsured/Underinsured Motorist protection in the event that the other driver is found to be at-fault and fails to have sufficient coverage to pay for damages or the insured’s vehicle is damaged during a hit and run accident.

Though it is also not required by state law, Montana also recommends that all motorists obtain Comprehensive and Collision coverage for their vehicles. Comprehensive and Collision coverage will pay for damages when the other driver’s insurance policy is insufficient, the insured is at-fault during an accident or the vehicle is damaged by a natural event or wildlife. And being that Moose run freely through the state, this can be especially helpful to Montana residents.

While the average car insurance premiums for Montanans fell 3.8% from $1769 in 2006 to $1704 in 2007, keeping Montana well below the national average of $1869, the actual cost of car insurance premiums can vary for each driver. There are many factors contribute to the cost of insurance premiums including the type of vehicle driven, driving history and credit record of each individual driver. CarInsuranceQuotes.com is dedicated to helping every Montana motorist find the lowest possible rates for car insurance. That is why CarInsuranceQuotes.com has partnered with reputable companies such as Allstate, Progressive and AIG to get great rates from car insurance companies our customers can trust. Visit CarInsuranceQuotes.com every time you need low cost car insurance quotes for your vehicles.