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Montana Car Insurance

Montana's laws and regulations are similar to those found in other states, yet you have to read your policy carefully. Each state does require its own minimum on standard auto coverage and some states do have additional requirements that must be met. We have all heard about Montana's speed limit law and how lax it is compared to many other states. Is the same true of their auto insurance coverage? Let's look at what is mandatory in the great state of Montana. You will need this information before requesting an auto insurance quote.

Montana does require that you maintain certain liability insurance before registering a car within the state. The minimum coverage is $25,000 bodily injury coverage for one person, $50,000 for two or more people and $10,000 for property damage coverage. This will be shown on your policy as 25/50/10. This type of coverage only insures the other party or parties in the event of an accident. You will be responsible for your own expenses, whether medical or property. Insurance companies are required by law to offer uninsured motorist coverage, but the choice is yours to make. You also have the option of increasing this coverage to protect yourself in the event of a lawsuit. That is a personal decision you will have to make. Montana does not requires that you maintain collision and comprehensive insurance, but your loan provider, if you are still paying for a vehicle, may require it. It will remain your responsibility to find out what your loan provider demands. Remember, when asking for an auto insurance quote, that you must meet the minimum requirements to follow state law.

Traffic accidents in Montana have decreased over the last few years. In 2008, there were 229 traffic fatalities reported. This is the lowest number since 2004, when 229 people were killed that year also. Unfortunately, this is still higher than the national average due to the low population found in Montana. In Montana, there were 23.67 traffic deaths per 100,000 people as  compared to the national average of 12.25 traffic fatalities per 100,000 population. The best state had a rate of only 5.59 per 100,000. This shows that Montana does not have as good a track record in terms of traffic fatalities as many other states. Keep this in mind when requesting your auto insurance quote and definitely look into purchasing coverage above and beyond the minimum required. This will save you both money and heartache in the event of an accident.

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Montana Car Insurance

Although Billings, Missoula, Great Falls, Butte, and Bozeman are the biggest cities in Montana cheap car insurance rates vary from city to city and rates in Helena may or may not be different than Kalispell. Whether you live in Anaconda, Havre, Miles City or some other city in Montana take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Montana.


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