Is Your Havre Auto Insurance Too High? Start Saving Today

Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as many other Montana consumers. Many insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to get the best rate

How to Compare Havre Auto Insurance Rates

There are a variety of methods to compare auto insurance prices but there is one way that is more efficient than others. You can spend countless hours driving to local insurance agents in Havre, or you could save time and use online quotes to get prices fast.

Most of the larger companies belong to a marketplace that enables customers to complete one form, and every company can provide price quotes based on the submitted data. This system prevents you from having to do form submissions for each company.

To compare rates using this form now click here to open in new window.

The one downside to using this type of form is that consumers can’t choose the insurers to get pricing from. So if you want to choose from a list of companies to compare prices, we put together a list of low cost auto insurance companies in Montana. Click to view list.

Which method you use is up to you, but make sure you use exactly the same deductibles and coverage limits with each company. If you have different deductibles it will be impossible to decipher which rate is best in Havre.

But don’t I need an insurance agent?

Some people prefer to buy from a local agent and that is a personal choice. Agents are trained to spot inefficiencies and help in the event of a claim. The best thing about comparing insurance prices online is the fact that you can find the best rates but also keep your business local. Supporting local insurance agencies is especially important in Montana insurance quote

To find an agent, once you fill out this short form, your coverage information is submitted to companies in Havre who will battle for your coverage. You never need to drive around since price quotes are sent to your email. How cool is that?!

Compare rates from both independent and captive insurance agents

When researching a reputable insurance agent or broker, there are two types of agencies to choose from. Insurance agencies in Havre can either be independent (non-captive) or captive. Both types can properly insure your vehicles, but it’s important to know the differences because it can impact your agent selection.

Independent Insurance Agents

Independent agents are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.

When shopping rates, we recommend you get quotes from multiple independent agents for the best price selection.

Below are Havre independent insurance agencies that are able to give comparison quotes.

Koefod Agency – 223 3rd Ave # A – Havre, MT 59501 – (406) 265-6766
Kralich Insurance – 230 1st St – Havre, MT 59501 – (406) 265-5545
Insurance and Bonding Svc – 601 3rd Ave – Havre, MT 59501 – (406) 265-4344

Captive Insurance Agents

Captive insurance agents write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to shop your coverage around so keep that in mind. Captives are trained well on their company’s products and that can be a competitive advantage.

free Montana insurance quote

Deciding on an auto insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:

  • Who is covered by the car insurance policy?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Is the agent and/or agency licensed to do business in Montana?
  • Do the companies they represent have a solid financial rating?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Once you have answers to your satisfaction to these questions as well as a affordable price, chances are good that you have found an insurance agent that is a good match to provide auto insurance coverage.

Additional Montana car insurance resources

Additional information can be found on the website for the Montana Commissioner of Securities and Insurance found here. Visitors are able to read consumer alerts, file complaints about a company, and read state legal mandates and laws.

Other informative sites include’s auto insurance page and this resource to find Havre, MT insurance agents.