Who Has Cheap Insurance Quotes for Drivers with Good Credit in Montana?

The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, specifically when trying to find the cheapest coverage for drivers with good credit. Because it’s not cheap, let’s take a look at a few of the factors that have an effect on auto insurance rates, and find a way to cut the cost of the next policy you buy.

Deciding which companies offer the best insurance rates for drivers with good credit calls for a little more effort than just comparing a company or two. Each company has a proprietary method to establish rates, so we need to take a look at the most competitive insurance companies in Montana.

Best Insurance Companies for High Credit

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Safeco normally has some of the cheapest car insurance rates in Montana at around $853 annually. Progressive, USAA, State Farm, and MetLife also make the cut as some of the best Montana auto insurance companies.

In the above example, if you buy coverage from State Farm and switched to Safeco, you may realize savings of approxmiately $238. Drivers with MetLife might save as much as $322 a year, and National Farmers Union customers might reduce rates by $339 a year.

To see if your current coverage is too expensive, click here to get quotes or visit any of the low-priced companies below.

Be aware that those rates are averaged for all ages of drivers and types of vehicles and and are not figured with a price discount for drivers with good credit. So the company that can offer the best rates for your situation may not even be featured in the rate chart shown above. That affirms the importance of why you need to get quotes using your own personalized driver profile and vehicle information.

For financially responsible drivers, one of the more important considerations that insurance companies use to calculate the annual cost of car insurance is the neighborhood you call home in Montana. Cities with more crime and/or more people like Whitefish, Polson, and Evergreen tend to pay more, whereas areas that tend to be more rural enjoy lower insurance rates.

The following table displays the highest-priced areas in Montana for drivers with good credit in which to buy car insurance.

Rate quotes are estimated as the specific garaging location can influence premium rates substantially.

We all have different tastes in cars, and the vehicle you are buying coverage for is one of the primary factors when consumers are trying to find cheap insurance for drivers with good credit in Montana. Vehicles with lots of speed or power, a lack of safety features, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models.

The tables below presents insurance rates for the more afforable vehicles to insure.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific Montana garaging location which can impact coverage rates noticeably.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in vehicle garaging location which can impact coverage prices noticeably.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Prices do not factor in vehicle garaging location which can revise auto insurance rates noticeably.

Get discounts on Montana car insurance

Insurance providers that provide cheap insurance for drivers with good credit in Montana may also offer price discounts that may potentially lower prices by as much as 40% or more if you qualify. A few popular companies and some of their more popular discounts are detailed below.

• State Farm may offer discounts for good driver, Drive Safe & Save, safe vehicle, passive restraint, accident-free, anti-theft, and student away at school.
• Farmers Insurance may have discounts that include mature driver, alternative fuel, pay in full, bundle discounts, teen driver, early shopping, and good student.
• Progressive discounts include continuous coverage, good student, multi-policy, multi-vehicle, online signing, and homeowner.
• GEICO has discounts for seat belt use, membership and employees, air bags, defensive driver, and federal employee.
• Auto-Owners Insurance includes discounts for anti-lock brakes, student away at school, teen driver, air bags, and group or association.
• The Hartford has savings for anti-theft, vehicle fuel type, good student, bundle, defensive driver, air bag, and driver training.
• Farm Bureau may include discounts for renewal discount, good student, multi-policy, safe driver, driver training, and 55 and retired.
• USAA policyholders can earn discounts including family discount, driver training, military installation, multi-policy, and new vehicle.

The information below shows the difference between yearly insurance costs with and without discounts applied to the premium. The data assumes a male driver, no violations or claims, Montana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, multiple policy, passive restraint, vehicle safety, homeowner, and safe-driver discounts applied. When taking advantage of discounts, the the average amount saved on insurance for drivers with good credit is 28% or $1,132.

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Buying coverage from the top insurer is hard considering how many companies are available to choose from in Montana. The ranking data shown next can help you select which car insurance companies you want to consider when comparing rate quotes. The ratings below include the largest companies in the United States, so smaller companies are not included in the list.

Top 10 Major Auto Insurers Overall in Montana

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Top 10 Major Auto Insurers in Montana Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Progressive
5. The General
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Travelers

How to find cheap insurance for drivers with good credit in Montana

The list below summarizes some of the better penny-pinching solutions that can help drivers locate cheaper car insurance.

• Improve your credit
• Avoid accidents and claims
• Raise physical damage deductibles
• Avoid getting citations and tickets
• Safe vehicles generally have lower rates
• Shop around for cheaper prices often

The last tip is particularly critical, as we discussed in this write-up. Coverage rates in Montana change a lot, so don’t be tentative to change insurance companies if a more affordable rate is found. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty results in overpaying a considerable chunk of change every month. It only take a few minutes to compare rates and find cheaper car insurance for drivers with good credit.