Guide to Auto Insurance in Montana

Purchase enough Montana car insurance coverage for your company's needs

For automotive insurance, Montana requires a minimum 25/50/10 coverage. This means if an accident happens, the most a car insurance company pays for bodily injury liability to other passengers is $25,000 per injured person, up to $50,000 per accident. If property damage occurs, the limit is $10,000 per incident. Most businesses want at least 100/300/100 coverage plus comprehensive and collision insurance. Comprehensive insurance covers non-wreck incidents such as theft of the vehicle; collision insurance pays for damage to the policyholder's car in the event of a wreck. You may also purchase an umbrella policy that covers any additional claims against the driver or company. These policies usually come in increments of $1,000,000. You should decide if the company will pay insurance costs for its employees (usually in the form of commercial insurance) or if the employees must fund their own coverage.

I recommend: AutoInsure and Chase both have free umbrella insurance quotes. Here is a useful article that further explains umbrella policies.

Decide whether to purchase Montana automotive insurance online or to go with a traditional insurance

With many websites that promise to deliver insurance quotes from multiple companies with one click, it is tempting to purchase auto insurance online. There's nothing wrong with this, but make sure you meet your company's needs by doing so. If you buy insurance online from an unheard-of company and it goes bankrupt, any potential claims have no financial backing. Also, never underestimate the importance of good customer service. Will online insurance agencies answer the phone readily, respond to your questions and take the time to explain your policies? If you have a strong need for personal customer service, a traditional, proven insurance provider-one that you can call or visit in person in addition to web-based contact-may be your best bet.

I recommend: Check out Automotive.com to locate an auto insurance agency in Montana. Go to Internet Auto Guide.com to locate a traditional Montana insurance agency by county.

Know where and how to compare rates and find car insurance in Montana

Thanks to the Internet, it's easier than ever to get insurance quotes at the click of a mouse. Hosts of reputable companies now offer vehicle insurance quotes from multiple providers after you fill out a single application. By inputting the specific needs of your business, you can compare the same insurance coverage from several different providers.

I recommend: Esurance, Insurance and Progressive have excellent user interfaces and solicit quotes from several companies. You can immediately purchase coverage and print insurance cards directly from the websites. Although Progressive is an individual insurer, it also offers competitor’s rates (which are sometimes cheaper) that you can immediately purchase.