Some of the car insurance companies in Montana ready to help you find low cost insurance premiums include: Billings Car Insurance, Butte Car Insurance, Great Falls Car Insurance and Helena Car Insurance. These seem to be some of the most popular.
There are some factors that are taken into consideration when calculating a driver’s premiums in Montana. Do you follow the urban speed limit of 65 mph and the highway speed of 70? The blood alcohol level is .08. If you have been caught with a DUI or DWI this will raise your premiums as with most states. There currently is no ban on headset or regular cell phone usage while driving but teenagers especially should not talk on the phone while driving.
Montana state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident. Property Damage Liability coverage with a minimum limit of $10,000 is required as well. This basic coverage is often referred to as 25/50/10 coverage.
A Tort system is used in the state of Montana. Someone will be found at fault for causing the accident, and that person and their insurance company are responsible for all damages.
You can get coverage to protect yourself in the event that the other motorist in an accident is uninsured or underinsured. Montana does not require this coverage, but it is strongly encouraged by the state of Montana that you purchase it. This is to protect yourself from any financial hardship you may be stuck with, when you are not the one at fault. It is said that approximately 21 of Montana’s auto insurance companies write the policies for the state. This makes shopping for insurance very competitive. There are many online companies that will help you find some of the cheapest auto insurance premiums specifically in the state of Montana as well. Compare the rates that you are given. This will help you find the best coverage. Some insurers might even offer you a discount so make sure to keep your eyes peeled.
Many of Montana’s drivers are uninsured due to dangerous driving habits and low earnings. If you are caught doing this, it can bring $250 to $500 in fines, 10 days to 6 months in jail, and/or seizure of your license plates. If this happens, you may not be able to renew your plates, registration or driver’s license.
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