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The average montana auto insurance premium is $854 in 2003; the national average was at $914. Since most people think montana auto insurance rates are fixed by state and montana car insurance companies, they never shop around for better montana car insurance rates. Our site helps you find the cheapest montana automobile insurance rates and discounted prices available in Montana, so average Montanans can get a better-than-average low montana auto insurance rate.
Montana car insurance rates change over the years, if you are not careful you could end up paying too much for your montana auto insurance premium. Looking back, the average montana auto insurance premium in 2000 was about $672, an increase of about 27.08% in just 3 years!
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal
injuries caused by a hit and run driver or an uninsured motorist. This coverage
basically replaces the insurance the other driver should have bought but did
not.
Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (25/50/10) tells you how much your montana auto insurance will cover for property
damage in any one accident.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident for which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Montana requires a minimum of 25/50/10 liability coverage. The first number is the amount that montana auto insurance will cover for any
one person ($25,000). The second number is the total amount montana auto insurance will pay for all persons injured in an accident.
When calculating your montana automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your montana auto insurance. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your montana auto insurance rate as well as the driving record of any family members covered under your montana auto insurance policy.
Liability insurance is mandatory (except for motorcycles) under Montana
auto insurance law. Owners shall continuously provide montana auto insurance of not less than the minimum required by law. This montana auto insurance must be in effect in vehicle
being operated. You must carry your montana auto insurance card, issued by an montana auto insurance company,
and exhibit it upon demand by a law enforcement officer. Riding on Montana streets in an uninsured vehicle is punishable by fines, jail time and points against your license.
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