Car Insurance in Montana

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Montana has a car insurance law that protects its residents from the overwhelming costs of car accidents. If you are a driver in this state, you are required to process the required Montana car insurance for your car. Read this article further to get more information about Montana car insurance requirements, rates, programs and other relevant information.

Montana Car Insurance Requirements

Immediately after you purchase your car, you are required to purchase liability insurance. This insurance coverage helps cover costs associated to property damage and injuries resulting from a car accident that you cause. The following are minimum limits of Montana liability auto insurance:

  • $25,000 for bodily injury, per person
  • $50,000 for total bodily injury involving multiple people per accident
  • $10,000 for total property damage.

Optional Coverages

The minimum Montana car insurance requirements cannot cover all your costs in case of an accident. You need other optional insurance coverages. If you need to protect yourself fully, consider the following optional insurance coverages:

  • Collision – Insurance cover that helps pay for damages made to your car after an acciden
  • Comprehensive – Insurance cover that pays for damages resulting from all accident related events such as fire, floods etc
  • Rental car coverage
  • Medical payments
  • Uninsured motorist
  • Underinsured motorist.

Note: Montana car insurance laws do not require you to purchase Collision or comprehensive coverages. However, these two insurance policies are required if you intend to purchase your car through a lease agreement or car loan.

Proof of Insurance

Montana State requires you to show proof of insurance when you are stopped by a traffic officer and when you are involved in a car accident. This is an insurance ID card that is obtained from your car insurer. This state also keeps an electronic database that is used by most state agencies to verify your car insurance status.

Violations and Penalties

If you are caught driving without a driver’s license you will be charged in court and face the following penalties:

  • Fines
  • Jail time
  • Driver’s license suspension
  • Some points on your driving record.

Keep in mind that if you continue violating Montana car insurance laws, you will find it harder when renewing your insurance coverage or pay higher car insurance premiums.

Montana Automobile Insurance Plan

If you are considered a high risk driver, you may find it difficult finding a car insurance provider to insure your car. But good news is that you can apply for insurance coverage through Montana Automobile Insurance Plan. Insurance coverage through this plan is a bit expensive because of the higher risks involved.

Western Association of Automobile Insurance Plans

Montana’s automobile insurance plan and other insurance plans form the Western Association of Automobile Insurance Plans (WAAIP). You can also apply for insurance coverage through WAAIP. For information on applying for car insurance coverage through WAAIP, use their hotline (800) 227-4659.

Other Auto Insurance Issues

The Commissioner of Securities and Insurance (CSI) is the body that handles insurance-related issues such as car insurance frauds and complaints.

Consumer Complaints

The CSI encourages you to attempt solving your car insurance disputes with your insurance company before involving them. If the dispute is not resolved, you can then file your complaint with CSI by using the following methods:

  • Online at the CSI website
  • By phone at (800) 332-6149.

Determining Car Insurance Rates

These are some of the factors that many companies use to determine your Montana car insurance premium:

  • Your driving record
  • The make and model of your car
  • Your car insurance claim history
  • Your gender
  • Your age
  • Your marital status
  • Your credit history.

MT Car Insurance Discounts

You can save on your Montana car insurance by taking advantage of many discounts offered by most car insurance companies in this state. These discounts include:

  • Accident-free discount
  • Multi-car discount
  • Anti-theft device discount
  • Good student discount
  • Safety-device discount.

Discounts can be a good way of getting cheap insurance rates but the best way is through keeping a clean driving history.

Most Stolen Cars in Montana

If your car is always a candidate for theft, you are more likely to pay higher car insurance rates. This is the 2013 list of the most stolen cars in Montana according to

  1. Chevrolet Pickup (Full Size)
  2. Honda Accord and Honda Civic
  3. Ford Pickup (Full Size)
  4. Dodge Pickup (Full Size)
  5. Chevrolet Pickup (Small Size)
  6. GMC Pickup (Full Size)
  7. Chevrolet Impala
  8. Toyota Camry
  9. Subaru Legacy.