Cheap Auto Insurance for Retired Military in Montana

It would sure be easy if we could simply tell you the one auto insurance company that has the cheapest policy rates in Montana. Unfortunately, it’s just not that easy, as there are a whole bunch of unknown elements like whether you are a man or a woman, if you have a spouse, and if you have ever let your coverage lapse. This article will discuss the best ways to find cheap car insurance and educate you enough to have a good start in finding the cheapest insurance.

Establishing which company has the lowest-priced car insurance rates for retired military will require more work than just comparing rates from one or two companies. Every auto insurer has their own guidelines for filing rates in each state, so let’s take a look at the car insurance companies with the most affordable rates in Montana.

It’s a good idea to know that Montana car insurance rates are influenced by many factors which can significantly increase or decrease the cost of a policy. Getting older, having a teenage driver, or getting a ticket for running a stop sign may cause policy rate changes resulting in some rates now being cheaper than before.

Best Cheap Insurance Rates for Vets

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Safeco generally has some of the cheapest car insurance rates in Montana at around $828 per year. Progressive, USAA, State Farm, and MetLife also rank well as some of the cheapest Montana car insurance companies.

As illustrated above, if you buy coverage from State Farm and switched to Progressive, you might achieve an annual savings of about $151. Montana drivers with MetLife may save as much as $189 a year, and National Farmers Union customers might lower prices by $277 a year.

Understand that those estimates are averages across all insureds and vehicles and are not factoring in a price discount for retired military. So the auto insurance company that has the lowest price for you may not even be featured in the list above. That illustrates why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

The car, truck, or SUV needing coverage is a large factor that determines whether or not you can buy cheap car insurance for retired military in Montana. Vehicles with lower performance, good safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.

The information below shows car insurance prices for a selection of the most economical automobiles to insure.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in zip code location which can change coverage rates greatly.

Looking at the rates, we can tell that vehicles like the Ford Escape, Chevrolet Traverse, Hyundai Tucson, Toyota Prius, and Honda CR-V will be some of the less-costly vehicles to insure for veterans.

When shopping for insurance for veterans, one of the many factors used to calculate the amount you pay each year for auto insurance is where you keep your vehicle in Montana. Regions with more people or even just more weather-related claims like Whitefish, Columbia Falls, and Polson likely pay more, whereas areas that are not as densely populated profit from lower rates.

The next table shows the most expensive places in Montana for retired military to buy an auto insurance policy in.

Price information shown is comparative as vehicle location can affect coverage rates greatly.

How to get discounts on Montana car insurance rates

Insurers that offer cheap car insurance for retired military in Montana may provide special discounts that could potentially reduce rates by 35% or more if you meet certain criteria. A list of car insurance companies and a selection of discounts are outlined below.

The information below illustrates the difference between insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no claims or driving violations, Montana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, claim-free, accident-free, vehicle safety, safe-driver, and multiple vehicle discounts applied. When these discounts are applied, the average amount saved each year on car insurance for retired military is 17% or $250.

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Impact of citations and accidents on Montana insurance rates

In a perfect world, the best way to maintain cheap car insurance for retired military in Montana is to drive cautiously and not receive tickets or have accidents. The information below highlights how speeding tickets and fender-benders can influence insurance prices for different categories of driver ages. The price estimates are based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.

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The data above shows the average cost of an auto insurance policy per year with no accidents or violations is $4,195. Get written up for one speeding ticket and the average cost hikes up to $4,759, an increase of $564 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for retired military jumps again to an average of $9,521. That’s an increase of $5,325, or $444 per month, just for not paying attention while driving!

Allstate, Geico, State Farm, or Progressive: Which is best?

When researching car insurance, the top insurers to get price quotes from are Allstate, Geico, State Farm, and Progressive. The following table compares ratings for price and service, as well as some optional coverages offered by each company.