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Csi car insurance

Car Insurance in Montana

Montana prides itself in being “The Last Best Place"; however, it's still not immune to car accidents. To protect its residents from the overwhelming costs of these accidents, Montana requires all drivers to hold liability car insurance.

Montana Car Insurance Requirements

Montana law requires you to have liability insurance to help cover costs associated with injury and property damage in an accident for which you are at fault.

To meet the legal requirement for liability auto insurance, your coverage must meet at least the following minimums:

  • $25,000 for bodily injury, per person.
  • $50,000 for total bodily injury of multiple people hurt in an accident.
  • $20,000 for total property damage.

Optional Coverages

Many drivers may feel that meeting the minimum car insurance requirements in Montana does not fully protect them.

If you would like to get more out of your car insurance, consider buying these common optional coverage types:

  • Collision* – This will help pay for damages to your car in case of a traffic accident.
  • Comprehensive* – This coverage will help pay for damages to your car that occur from several types of incidents that are not collision-related.
  • Medical payments – This will help pay for your medical costs after an accident.
  • Uninsured motorist** – Covers you in case you are involved in a car accident caused by an uninsured driver.
  • Underinsured motorist** – Often bundled with uninsured motorist coverage, this will help with costs after an accident with a driver whose insurance is not sufficient to pay for your injuries.

* Collision and comprehensive coverages are generally required as part of a car loan or lease agreement.

** Uninsured/underinsured motorist coverage must be offered as part of your liability car insurance. However, you have the option of declining it in writing.

Proof of Insurance

State law requires you to show proof of insurance to a police officer if you are:

  • Pulled over.
  • Involved in a car accident.

You can obtain a proof of insurance through your Montana car insurance company or agent. The most common form of proof of insurance is an insurance ID card.

Additionally, Montana keeps an electronic database accessible by most law enforcement agencies that can verify your car insurance status.

Violations and Penalties

Driving without car insurance is considered a misdemeanor in Montana.

You face penalties including:

  • Fines.
  • Jail time.
  • Suspension or revocation of your driver's license.
  • Points on your driving record.

Keep in mind that car insurance violations on your Montana driving record can make it harder for you to get car insurance and will most likely result in expensive car insurance premiums.

Montana Automobile Insurance Plan

Some drivers may have a difficult time finding a car insurance company willing to provide them coverage.

If you cannot obtain car insurance, you may apply for coverage through the Montana Automobile Insurance Plan.

Through the plan, car insurance companies within the state share the risk of providing insurance to high-risk drivers.

Western Association of Automobile Insurance Plans

Montana's automobile insurance plan is part of a grouping of plans that forms the Western Association of Automobile Insurance Plans (WAAIP).

For information on applying for insurance through the plan, contact WAAIP at (800) 227-4659.

Other Auto Insurance Issues

The Montana Commissioner of Securities and Insurance (CSI) offers services to the public to help with insurance-related issues such as consumer complaints and insurance fraud.

Consumer Complaints

The CSI encourages you to try to settle any disputes with your insurance company before filling a complaint. However, if you must file a complaint, you can do so through one of the following methods:

  • By phone at (800) 332-6149.
  • Online at the CSI website.

Determining Car Insurance Rates

There are several factors that affect your car insurance rates in Montana.

When shopping for insurance, remember that the following commonly factor into car insurance premiums:

  • Your driving record.
  • Credit history.
  • Your car's:
    • Make.
    • Model.
    • Year.
  • Age.
  • Gender.
  • Zip code.
  • Deductibles:
    • This is the amount towards a claim for which you are responsible.
    • You can lower your rates by assuming higher deductibles.

MT Car Insurance Discounts

A great way to save on car insurance is to take advantage of any discount that can apply to your premium.

As you compare car insurance quotes, inquire about the following common discounts:

  • Good driver.
  • Good student.
  • Multi-car.
  • Homeowner's.
  • Anti-theft.
  • Safety-device.

Discounts can help you save a lot of money on car insurance. However, the best way to get low-cost Montana auto insurance is to obey traffic laws, avoid accidents, and maintain a clean driving record.

Most Stolen Cars in Montana

If you own a vehicle that is highly targeted for theft, you may face more costly car insurance rates.

The following is a list of the most stolen cars in Montana for 2013, according to www.nicb.org:

  1. Chevrolet Pickup (Full Size).
  2. Ford Pickup (Full Size).
  3. Honda Accord.
  4. Dodge Pickup (Full Size).
  5. GMC Pickup (Full Size).
  6. Chevrolet Pickup (Small Size).
  7. Chevrolet Impala.
  8. Toyota Camry.
  9. Honda Civic.
  10. Subaru Legacy.

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Some insurance companies focus on the bare necessities for you to drive legally—bodily injury and property damage liability with the minimum limits—along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide. 

How do I get cheap car insurance?

Everybody wants the best value for their car insurance premium. That’s why Nationwide offers many ways to get low rates, including our car insurance discounts. But what really makes us unique is the quality we offer our members. Here are a few benefits Nationwide members get:

  • Dependable, customizable car insurance - you can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service – Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident. 

How can I lower my car insurance rates?

Certain factors influence your auto insurance rates, including some things you can control: 

  • The kind of car you drive – The price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low. 
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car - Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that "someone" is a new teen driver. Statistically teenagers have more accidents so they're more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.

You can learn more about the factors that impact the cost of car insurance – and be sure to take them into account as you shop for coverage.

What about those discounts?

You can get more affordable rates on Nationwide coverage with our car insurance discounts, such as: 

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Affinity discount – We have established relationships with several organizations to offer discounts to their members. If you belong to such a group, you may be eligible for a discount on insurance from Nationwide. 
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You'll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Start saving money today

Yes, you can have cheap car insurance and unparalleled protection. Get a quote in minutes from Nationwide.

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Car insurance no claims protection

Renters Insurance for College Students

Our renters insurance plan protects students against theft, damage and many other causes of loss to personal property that may occur while at school, home, or when studying abroad. You can have peace of mind knowing your personal property investments will be protected.

Things that we cover: What we protect against:
  • Computers and laptops
  • iPads and tablets
  • iPhones and other phones
  • iPods, MP3 players and electronics
  • Books
  • Clothes
  • Bicycles
  • And much more
  • Theft & Burglary
  • Fire
  • Accidental Damage
  • Flood
  • Earthquake
  • Vandalism
  • Electrical Damage
  • Water Damage

Coverage is available to any college/university students, graduate students, faculty, and staff. Both personal and university property will be insured while in the care of the insured.

Coverage applies on or off campus, whether you reside in a residence hall, at home, or in an apartment.

Please see our answers to commonly asked questions, or our Comparison to Home Owners Insurance.

Get Your Free Instant Quote Today!

School State:
All quoted property premiums are annual, for replacement cost value world-wide coverage. If you are an International student, independent student, or are otherwise not covered under a parent's Homeowner liability policy, we do offer liability coverage under a separate policy. READ WHAT OUR POLICYHOLDERS HAVE TO SAY

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