Tightwads Guide for Saving on Bozeman Auto Insurance

Overpriced auto insurance can empty your personal savings and force you to make sacrifices. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket.

Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

How to Lower Your Auto Insurance Cost in Bozeman, Montana

Most companies allow you to get coverage price quotes online. Getting online quotes is fairly simple as you simply type in the coverages you want as detailed in the form. When the form is submitted, their system will obtain credit information and your driving record and generates pricing information based on these and other factors. Online quotes streamlines rate comparisons, but the time it takes to visit each company's website and repetitively type in the same information can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to find the best price on auto insurance.

There is a better way!

A quicker way to find lower prices requires only one form to obtain quotes from several different companies. The form is fast, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, it is rated and you are able to buy your choice of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process only takes a few minutes and may save quite a bit of money.

To quickly find out if lower rates are available, click here to open in new window and submit your coverage information. If you have a policy now, it's recommended you replicate deductibles and limits as shown on your current policy. This ensures you are getting comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Companies don't list every discount in a way that's easy to find, so here is a list some of the best known and the more hidden auto insurance savings.

  • Claim Free - Drivers who don't have accidents can earn big discounts when compared to bad drivers.
  • Own a Home - Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
  • Drivers Ed for Students - Have your child successfully complete driver's ed class in high school.
  • Low Mileage Discounts - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
  • Defensive Driving Course - Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.

Keep in mind that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like you can get free auto insurance, it just doesn't work that way.

To see a list of insurance companies with the best auto insurance discounts in Bozeman, follow this link.

Additional detailed information is available at the Montana Commissioner of Securities and Insurance website. Montana drivers can read industry bulletins, get help finding coverage, download brochures, and find disaster information.