Driving in Montana comes with some responsibility. Not only do you need to obey the rules and regulations of the road, you also need to keep your car covered with adequate automobile insurance. If you are working with a limited budget you may think there’s no way you can find auto insurance at a good rate. You can if you know exactly what you need.
If you drive an older vehicle you may feel comfortable taking out a bare bones automobile insurance policy. In Montana you can purchase a policy that only covers the minimum required by state law. This includes $25,000 coverage for bodily injury to one person during one accident, $50,000 coverage for everyone injured in one accident and also $10,000 in property damage coverage. For anyone driving a new car or someone who drives quite a bit each day, this likely won’t provide enough coverage. For them they need to find other ways to save money and get discount automobile insurance in Montana.
One effective way to cut insurance costs is to buy all your insurance from one vendor. If you have a life insurance policy with one company, health insurance with another and you’re currently looking for a third to cover you for automobile insurance, consider combining them into one policy. The more business you bring to an insurance company, the more they’ll reward you. Instead of asking for a quote for just automobile insurance, ask for a price for all the insurance you need combined. This will typically result in a large savings on all your premiums.
Also, try and pay your automobile insurance premium annually instead of monthly. Although it’s more convenient to pay more frequently, it usually is also more costly. To avoid all service fees and save the most money, pay once a year.