Montana

Montana Drivers Save with Free Car Insurance Quotes

When Montana drivers are looking for the best rates for coverage, checking out free car insurance quotes is a good strategy. This information is readily available online from individual company web sites and ones equipped with a quote tool that can generate prices from several companies at once.

The right approach to getting free quotes for coverage depends on the individual driver’s needs. A person who wants to take the time to learn about different coverage options and the insurance companies licensed to sell policies in the state will likely opt to visit individual car insurance companies.

The driver can take the time to learn about his or her coverage options from different providers. The individual web site review should also include gathering information about how long the company has been in business, as well as the number of policyholders it serves and what its’ financial rating is. A company with an A+ or A rating will likely be able to meet its financial obligations toward its policyholders.

When a driver finds a company he or she is interested in, getting a quote for coverage is a simple matter of filling out an online form in most cases. The driver may be asked a few questions about his or her location and driving record as part of this process.

A person looking for car insurance coverage in Montana also has the option of visiting a web site equipped with a quote tool that can generate prices from several providers at once.

 

Montana State Auto Insurance Laws

Montana state auto insurance laws require drivers to have third party liability coverage in place to drive legally. Since MT is a tort state for car insurance, people who have been injured in an accident have the right to sue to collect damages for personal injuries, lost income, and vehicle repairs.

Bodily injury liability insurance coverage is used to pay for personal injuries sustained by the occupants of the other vehicle in a collision. The minimum amount of coverage required by law is $25,000 to compensate a single accident victim and $50,000 to pay for injuries and damages for multiple victims from the same event. If the accident resulted in one or more fatalities, this part of the policy pays out a funeral benefit.

Property damage liability coverage is used to pay for the cost of repairs to the other driver’s vehicle, as well as public property damaged in the accident such as mail boxes, fences and sign posts. The minimum level of coverage required by law is $10,000.

Getting caught driving without insurance coverage in Montana carries a penalty of a $250-$500 fine or up to 10 days in jail for a first offense. Second-time offenders will be required to pay a $350 fine or serve 10 days in jail. The offender’s license will automatically be suspended for a second offense.

Five points will be added to the driver’s record for each offense; if 30 points are accumulated, the driver’s license will be revoked.