Easy Techniques to Spend Less on Great Falls Car Insurance

Nobody looks forward to paying for car insurance, especially when the cost is way too high.

You have so many car insurance companies to choose from, and though it is a good thing to have a choice, having more car insurance companies makes it harder to adequately compare rates.

This information will tell you how to get online quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Nevertheless, Montana drivers do need to learn how companies sell insurance online.

How to Compare Car Insurance Costs in Great Falls, MT

Most companies provide pricing on their websites. This process is fairly simple as you just type in the amount of coverage you want as requested by the quote form. Once entered, their system sends out for information on your driving record and credit history and generates pricing information. Quoting online makes comparing rates easy, but the time it takes to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to find better prices.

A quicker way to compare rates is to use a quote form that gets prices from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes a lot less work. Immediately after submitting the form, it is quoted and you can choose any one of the quotes returned.

If a lower price is quoted, you can click and sign and purchase coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

If you want to find out if lower rates are available, click here to open in new window and submit the form. To compare your current rates, we recommend you input the coverages exactly as shown on your declarations page. This ensures you will get rate quotes for exact coverage.

Do drivers who switch really save $432 a year?

Car insurance providers like GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all make the same claim that you’ll save big if you switch your policy. But how can every company claim to save you money? This is how they do it.car insurance image

Different companies have a certain “appetite” for the driver that earns them a profit. For instance, a profitable customer could be between 30 and 50, has no tickets, and chooses high deductibles. Any driver who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Potential customers who are not a match for this ideal profile will be charged higher prices and this can result in business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently state the savings.

That is why you need to get as many quotes as possible. It’s impossible to know which car insurance company will fit your personal profile best.

Lower your Great Falls Car Insurance Rates

An important part of buying insurance is that you know the factors that go into determining your car insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get better car insurance rates.

Listed below are some of the items used by your company to calculate your rates.

  • Older drivers save more – Teen drivers in Montana are known to get distracted easily in a vehicle so they pay higher car insurance rates. Mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Your spouse saves you money – Having a spouse can actually save you money when buying car insurance. It translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Don’t let your coverage lapse – Allowing your car insurance policy to lapse is a fast way to pay more for car insurance. And not only will insurance be more expensive, getting caught without coverage will get you a steep fine or even jail time.You may have to file a SR-22 with the Montana department of motor vehicles.

Don’t miss out on these money-saving discounts

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Some trigger automatically at quote time, but lesser-known reductions have to be specifically requested before they will apply.

  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in school.
  • No Accidents – Claim-free drivers pay much less compared to accident-prone drivers.
  • Save with a New Car – Insuring a new car can save up to 30% since new cars are generally safer.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will help reduce your overall premium however.

Do I need special coverages?

When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions may help you determine whether or not you might need an agent’s assistance.

car insurance image

  • What can I do if my company denied a claim?
  • I don’t drive much so do I pay less?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need PIP (personal injury protection) coverage in Montana?
  • When would I need additional glass coverage?
  • What are the financial responsibility laws in Montana?
  • Why am I required to get a high-risk car insurance policy?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Cheaper insurance is a realistic goal

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Cheap car insurance can be sourced from both online companies and also from your neighborhood Great Falls agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

To learn more about car insurance in Montana

Additional car insurance information is located on the website for the Montana Commissioner of Securities and Insurance through this link. Montana consumers can download brochures, get help finding coverage, read state legal mandates and laws, and learn about insurance regulations.