Stevensville Montana Car Insurance For Less Than You’re Paying Now

Expensive car insurance can overdraw your bank account and make it hard to pay other bills. Shopping your coverage around is a great way to tighten up your finances.

Having so many companies to choose from, it is very difficult to pick the best company.

It is always a good idea to compare rates quite often because prices are constantly changing. Even if you think you had the best price last year other companies may now be cheaper. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best way to lower your rates without sacrificing coverage.

Car Insurance Comparison Rates in Stevensville, Montana

All the larger car insurance companies allow you to get insurance quotes on their websites. Getting online quotes is fairly straightforward as you just enter your personal and coverage information into the quote form. Upon sending the form, their system pulls your driving and credit reports and returns pricing information based on these and other factors. This helps simplify price comparisons, but the work required to visit different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to do this in order to get lower prices.

The preferred way to lower your rates requires only one form that obtains quotes from many companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison much easier to do. Once the form is submitted, it is quoted and you can select any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process just takes a couple of minutes and can result in significant savings.

To find out how much you’re overpaying now, click here and begin entering your coverage information. If you currently have coverage, we recommend you replicate the limits and deductibles exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting a fair comparison using the exact same Stevensville insurance quote

What impacts Stevensville insurance rates?

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in lower car insurance prices.

Shown below are a partial list of the pieces companies use to determine premiums.

  • How credit affects car insurance rates – A driver’s credit score is a important factor in calculating your car insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit is low, you could save money insuring your by repairing your credit.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men tend to get into accidents in similar percentages, but men cause more damage. Men also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high car insurance rates.
  • Being married is a good thing – Being married helps lower the price on your policy. Having a significant other means you’re more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • An active claims history can cost you – Insurance companies in Montana award lower rates to people who do not file claims often. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Mature drivers pay less – Mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Teen drivers have a tendency to be more careless in a vehicle and because of this, their car insurance rates are much higher.

Don’t miss out on these money-saving discounts

Companies offering auto insurance do not list all their discounts in an easy-to-find place, so we break down both well-publicized as well as the least known savings tricks you should be using.

  • Homeowners Savings – Simply owning a home can save you money because owning a home shows financial diligence.
  • No Claims – Claim-free drivers pay less when compared with frequent claim filers.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.

Consumers should know that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, companies wouldn’t make money that way.

Do I need special coverages?

When it comes to buying coverage, there really is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation may require specific advice.

  • Do I need PIP (personal injury protection) coverage in Montana?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why am I required to get a high-risk car insurance policy?
  • Should I have combined single limit or split liability limits?
  • Should I put collision coverage on all my vehicles?
  • When should I drop full coverage on my vehicle?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Stevensville MT auto insurance

Quote more, save more

Budget-conscious car insurance is possible on the web as well as from independent agents in Stevensville, and you should compare price quotes from both to get a complete price analysis. Some insurance providers don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone dropped collision coverage only to regret at claim time that it was a big mistake. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

More tips and info about car insurance can be read at the Montana Commissioner of Securities and Insurance website. Consumers can learn about specific coverages, download brochures, get help finding coverage, and discover disciplinary actions.