As is the case throughout the nation, in Montana, best car insurance quotes are found online. There are an abundance of insurers vying for the business of car owners and each has a somewhat different set of guidelines. For this reason, Montana car owners should never assume that the one car insurance quote they get is the best one or even indicative of what other companies will quote them. Getting a variety of quotes to compare and choose from is the way to go when shopping for Montana car insurance.

Montana Best Car Insurance Quotes: Required Coverage

In the state of Montana, the only coverage that is required by law is liability coverage. In fact the state mandates that $25,000 bodily injury per person; $50,000 bodily injury per accident and $10,000 property damage liability per person be carried by all vehicle owners. These levels are higher than in many other states. However, they are still not as high as they should be. Recommended levels of liability coverage are no less than $100,000 bodily injury per person; $300,000 bodily injury per accident; and $100,000 property damage per accident.

Montana Best Car Insurance Quotes: Recommended Coverage

In addition to higher liability coverage, drivers who want to protect themselves and their vehicle should look at other types of coverage. In the state of Montana, an estimated 11.4% of drivers are uninsured. This makes the state the 30th worst for uninsured drivers, which is very bad for such a sparsely populated state. Because of this high rate, it is very important to carry uninsured motorist coverage, in case you are involved in a car accident with someone who does not have insurance.

Collision and comprehensive options make up physical damage coverage for your own vehicle. These are not mandated by the state, but are mandated by lenders if you have a loan on your vehicle. If you own your vehicle you may still want to carry such coverage if the value of the vehicle is high enough to warrant the cost of premiums. Collision covers your vehicle for damage occurring in an at-fault accident. Comprehensive covers a variety of perils such as theft, storm damage and fire. Other insurance options to consider include rental car coverage and towing and labor coverage.

Take the time to carefully compare quotes before choosing the company to go with. Look at price, levels of coverage, the independent insurance ratings of the company and its reputation with customers. For drivers in Montana, best car insurance quotes can be found with the help of InsuranceBestPrices.com. Find Montana Best Car Insurance Quotes Now!