In the state of Montanaliability insurance is mandatory. With the exception of motorcycles, all vehicles operating on Montana roads must carry the minimum liability insurance amounts. The minimum liability coverage in the state of Montana is $25,000 in bodily injuryor death of one person in any one accident, $50,000, bodily injury or death of two persons in any one accident, and $10,000 injury to or destruction of property of others in any one accident. These are the minimum amounts that must be carried, but more coverage can be purchased to better protect you.
If you drive without the required amounts of insurance, you’re breaking the law! Driving without auto insurance is a misdemeanor in the state, with offenders being subject to stiff penalties that include fines ranging between $250-$500, jail time for up to 10 days, loss of your driving privileges, and loss of vehicle registration. Its not worth the risk to drive uninsured.
The state required policies are not all of the coverage that is available. Collision, uninsured motorist, and comprehensive coverage are additional coverage types that are popular among drivers in Montana. Collision insurance will pay for costs of repairs to your personal vehicle, up to Kelley Blue Book value, for an at-fault accident. Most cars being financed are required to have collision coverage. Uninsured motorist coverage protects you in the event of an accident with a motorist not carrying coverage, or whose limits are inadequate to cover the costs of damages related to the accident. Comprehensive is similar to collision, other than it protects your personal vehicle from damages from “natural occurrences” that can include vandalism, fire, theft, flood, or tornado.
No matter if you choose to add just the state required insurance or more, it is important to shop around. Obtaining quotes online is easty to do and can help assure you receive the lowest rates possible with the best insurance agency in your area. Free, no obligation quotes are available at www.esurance.com, where you can get up to 5 quotes in less than 6 minutes from the top companies in your area. Auto insurance agencies recommend obtaining a minimum of 3 different quotes. You may also like to try a site such as www.progressive.com, where you can compare rates and start your policy online. Comparing rates can save you hundreds of dollars each year on your auto insurance premiums.