How to Get the Cheapest Helena Car Insurance

People who are new to shopping for insurance online might discover shopping for cut-rate Helena car insurance to be a formidable task.

Helena Car Insurance Quote Comparison

Comparing car insurance rates is a ton of work if you aren't aware of the easiest way. You can spend countless hours discussing policy coverages with insurance agencies in Helena, or you could save time and use the web to get rates in a matter of minutes.

The majority of car insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each company returns a competitive quote determined by their information. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose the providers to get quotes from. If you would rather choose from a list of companies to request quotes from, we put together a list of car insurance companies in Montana. Click here for list of insurance companies in Montana.

Whichever way you use, make absolute certain that you use exactly the same coverage limits and deductibles for every quote you compare. If your comparisons have different liability limits it's not possible to determine the best price in Helena. Just a small difference in coverages could mean much higher rates. And when quoting car insurance, remember that having more price comparisons will increase your chances of finding the best rates.

How much can you save with discounts?

Companies offering auto insurance don't list every discount in a way that's easy to find, so we researched some of the more common as well as the least known car insurance savings.

  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Military Discounts - Having a deployed family member could mean lower rates.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • No Claims - Good drivers with no accidents pay much less when compared to bad drivers.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, car insurance companies aren't that generous.

To see a list of insurance companies offering car insurance discounts in Helena, follow this link.

How much car insurance do I need?

When choosing the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your insurance needs will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

For more Montana car insurance information

Even more information is located at the Montana Commissioner of Securities and Insurance website. Consumers can download brochures, find out industry alerts, and read consumer alerts.