What are the Montana car insurance minimum coverage requirements? How does one find the cheapest Montana car insurance rates? What are some of the best Montana auto insurance companies? Read on to get answers to your MT car insurance question and learn how to find the best Montana auto insurance policy for your specific needs.
The Penalty For Not Having Montana Car Insurance
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Do you know what it means not to have car insurance in Montana? For Montana drivers it may mean a misdemeanor charge that includes a fine of up to 0 and 5 points added to your license (30 points on your driver's license in Montana leads to automatic revocation of your driver's license). As an added bonus a free 10 day vacation in the county jail.
Plus, if you didn't learn the first time, the state of Montana will either charge you another fine, higher than the first time, or put you in jail for another 10 days. In addition, you'll also have your driver's license suspended for 90 days.
Montana Tort Auto Insurance Laws
Montana is under a tort system when it comes to car accidents. This means that for you to be charged with an accident's damages, you must be proven to have been the cause of the accident. Each state under a tort system of law for car insurance operates slightly different, so the best place to go in the State of Montana to find out about the minimum state car insurance requirements is by contacting the Montana State Auditor in Helena by calling (406) 444-2040, or by visiting their website at http://sao.mt.gov.
Montana Minimum Auto Insurance Coverage Requirements
Under Montana law, you must have Bodily Injury Liability coverage with a minimum of ,000 per person and ,000 per accident. Bodily Injury Liability car insurance covers the medical expenses of all occupants of your car in the event of an accident.
Montana residents are also required to carry ,000 of Property Damage car insurance coverage. Property Damage coverage pays for any property damages resulting from an accident, including the damages suffered by the other driver.
Keep in mind these are only the minimum requirements for the state of Montana. With the rising costs of car repairs and medical expenses, the numbers can add up fast. Since you will be held personally responsible for any expenses not covered by insurance, you may want to increase these coverage amounts substantially.
Montana Optional Auto Insurance Coverage
While not required under Montana law, you may want to purchase collision and comprehensive car insurance coverage. Collision pays for damages to your vehicle in the event of an accident, and comprehensive car insurance will pay for repairs up to the Blue Book value of the car. If the cost of repair exceeds the Blue Book value, the car may be deemed to be totaled, and you would be awarded the cash value of your car. It's for this reason that many lenders require that any car purchased with a car loan carry comprehensive car insurance.
Uninsured/underinsured insurance is not required in Montana but is highly recommended. This type of car insurance coverage protects you in the even that you are in an accident with a driver who either is uninsured or underinsured. This type of coverage will also help pay for medical expenses and car repairs following an accident with one of these drivers.
You might also want to consider Personal Injury Protection car insurance coverage in addition to the Montana state requirements. Personal Injury Protection coverage insures you and your passengers to provide help with medical bills, lost wages, and replacement services after an accident, even if you were found to be the cause of that accident.
How To Find Cheap Montana Car Insurance Rates
As always, you may want to review your Montana car insurance policy once every 6 months to make sure you have adequate coverage for your driving needs and you are not paying any more than you should. Shop around and do a side-by-side comparison of prices and the coverage offered. Compare at least 3 different car insurance companies in order to find the best rate.
Montana Auto Insurance Companies
No one single insurer is the best choice for every Montana resident so be sure and shop around. Here is a listing of some of the top MT car insurance companies:
Compare Montana Car Insurance Quotes Online
So if you live in Montana and plan on a drive down Sun Road in Glacier Park, considered to be the one of the most scenic drives in the United States, you may want to make sure you have proper car insurance. Of course, there is no need to have to drive all around town as well and get rates from one Montana auto insurance agent after another - there is an easier way. Compare MT auto insurance quotes online from competing companies and then choose the one that will best meet your needs.Montana Car Insurance Guide - Everything You Need to Know About Auto Insurance in Montana