There are several factors that affect the cost of auto insurance. You need to know how much you’re willing to pay for auto insurance in Montana. Using a car insurance calculator can help you determine an estimate of what you might pay. You can start by entering some basic information about yourself and your vehicle. Then, you can begin to compare auto insurance quotes.
Geico
The Geico Montana car insurance calculator is an online tool that enables consumers to compare rates and coverage. Insuring a car is one of the most important aspects of auto ownership, and it’s important to remember that higher rates are associated with higher risk. If you have a clean driving history, you can expect to pay significantly less than a driver with a history of accidents and violations. However, if you’re new to the road, you should keep in mind that your rates will likely be higher than average.
Before choosing the right car insurance policy, consider the minimum coverage requirements in Montana. The state requires drivers to have at least $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 in property damage liability. These minimums are typically provided by a car insurance company. A driver should consider taking a defensive driving course or enrolling in a telematic program to lower their insurance costs. In addition, some companies offer discounts for driving safely.
USAA
The USAA Montana car insurance calculator will give you a number of options for your auto insurance policy. Your options will depend on your driving record and credit score. If you’re a student or have low mileage, it may be a good idea to select a lower coverage limit than you’d otherwise need.
The average annual premium for full coverage will be $1,162 for a USAA car insurance policy. This is over $481 cheaper than the average auto insurance rate in Billings. Meanwhile, the rate for full coverage with Safeco will cost you $95 per month, or 31% less than the average rate in Missoula.
Vehicle type
The type of vehicle you drive can play a major role in determining how much car insurance costs in Montana. The more expensive the vehicle, the higher the insurance costs will be. This is why it is a good idea to shop around for several quotes. The best time to shop for insurance is six to twelve weeks before you need it.
If you’re in the market for new car insurance, make sure to compare rates by ZIP code. The best way to find cheap auto insurance in Montana is to research several companies before selecting one. If you’re unsure about which insurer is best, try checking WalletHub’s guides to car insurance companies. Also, you can enter your age, vehicle type, and coverage level to see which insurance company offers the best rates.
Coverage levels
The Montana car insurance coverage levels are based on the amount of liability coverage you need. Liability insurance is required by state law and pays for damages and injuries caused by another driver. In an accident, this coverage is especially important because the at-fault driver is held responsible. However, liability insurance does not cover personal injuries, so you need to have additional coverage in case of an accident.
Bodily injury coverage is part of a liability policy and pays for the medical bills of the other party in an accident. The bodily injury limit in Montana is $25,000 per person, and it can reach up to $50,000 per accident. However, this type of coverage is not sufficient to pay for the cost of a new car.