Montana Auto Insurance
All states make car insurance mandatory, but just how much varies. In Montana, drivers must possess policies that include bodily injury and property damage liability.
Bodily injury liability can cover medical, rehabilitation, or funeral costs up to your policy's maximum limits in the event that you cause a collision that injures another person. Property damage liability is similar but applies only to correcting damage you cause to another party's vehicle or other property if you're responsible for the wreck. Because these liability protections can only cover costs up to your policy's maximum limitations, it's wise to go above the minimum requirements seeing as you'll be responsible for paying the remainder out of pocket and medical bills and auto repairs can add up at an alarming rate.
In the Treasure State, the minimum liability limits are:
- $25,000 bodily injury coverage per person
- $50,000 total injury coverage per incident
- $10,000 of coverage for property damage
Again, complying with the state-required minimums may be tempting, but it's wise to have more coverage to protect you from paying expenses on your own when you're liable for injuries or property damage in a wreck. Speak with a HomeInsurance.com representative to receive guidance on the amount of coverage that best fits your needs.
Auto insurance discounts in Montana
Montana drivers can qualify for the following discount, though not all of these are offered by every insurance carrier:
- Good student discount. If you have a student on your policy who is younger than 25 and earning a 3.0 GPA or better in school, you could save on your policy.
- Multi-policy discount. Need coverage for your home, car, and other possessions? Insuring them all with the same provider can earn you discounts.
- Multi-car discount. If you have more than one car in your household, you could save by covering them with the same carrier.
- Safety features discount. Does your car include an anti-theft device, anti-lock brakes, airbags, and/or seatbelts? If so, you could see a deduction on your premium.
- Homeowner discount. If you own your home, you could save on car insurance.
To see which discounts you qualify for and discuss the best coverage options for your individual needs and budget, call a HomeInsurance.com representative today!