East Coast Auto Insurance offers top rated Montana auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
To own and operate a motor vehicle in Montana you must prove you will be able to take financial responsibility in case of an accident, should you be found to be “at fault”.
Montana allows several options to prove such financial responsibility. A surety bond, or a cash deposit (with the state) in the amount of $55,000 are some of the choices, but most car owners prefer to buy a liability insurance policy. Should you opt for the later, the state mandates the following minimums:
- $25,000 bodily injury for one person, per accident
- $50,000 bodily injury foe two or more persons, per accident
- $10,000 property damage
In the state of Montana, drunk drivers claim the lives or roughly 100 individuals each year. Fortunately, this figure has decreased over the past 27 years. In the early 80s, it was not uncommon for Montana to record more than 170 fatal alcohol-related car crashes each year. While the state of Montana has seen a significant decrease in fatalities, it wants to do everything it can to bring the state’s figure down to zero.
Montana (MT) Teen Auto Insurance Laws, Rates & Requirements
The state of Montana has always been a bit more lax than other states when it comes to drinking and driving. In fact, the state of Montana is one of the few states in the U.S. that, until recently, allowed drivers and passengers to have open alcoholic beverage containers in the car. As a result, the state has lost one person to drunk driving accidents for every 100 million miles driven there. Overall, 200 people die in car crashes each year in the state.
What are the rules and guidelines auto insurance companies must follow regarding the use of Personal Credit History in selecting applicants and setting rates?
In Montana, auto insurance companies may use Personal Credit History to determine rates and offers for products. In order to enjoy a lower insurance premium, pay your bills on time in an effort to improve your credit score. This will also help improve your credit history so that in the long run, you can save money on your car insurance premium. Although auto insurance companies can use Personal Credit History as a tool to help determine rates, auto insurance companies do not use Personal Credit History alone. They also consider age, gender, where you live, car make and model, how much you drive, and driving history.
Is the state a No Fault or Tort state? What does either mean to the policy owner?
The state of Montana follows a Tort System. What this means is, if you are involved in an accident, someone must be found to be the cause or fault of the accident. The person deemed at fault is responsible for all damages. Damages are usually handled through the at fault person’s insurance company. Because Montana is a Tort state, most insurance companies recommend that driver’s consider carrying higher coverages than the state minimums.
What is the average auto insurance premium in this state? As of what year?
As of 2006, Montana resident’s average insurance premium was approximately $661, the 37th most expensive in the nation. This was down 3.7% from the previous year. The national average was $817.
Obviously, these limits do not cover your injuries or your damages should you be found to be at fault.
At East Coast Auto, our agents will review your financial status and offer you a policy that will probably include personal injury protection, comprehensive, collision and uninsured motorists’ coverages – all at an affordable rate, designed to protect you, your family and your assets should you be involved in an incident.
Call us now: 888-206-0565
Coverage will be placed with the top rated insurance companies:
- 21st Century
- AAA
- AARP
- Allstate
- Esurance
- Geico
- Liberty Mutual
- Nationwide
- Progressive
- State Farm
- Travelers