Most people are searching for the same thing when it comes to car insurance.
They are looking for adequate coverage at a fair price.
The best way to find a good deal on insurance is to compare prices.
To do this in Montana, you need to know exactly what level of coverage is best for your particular situation.
There are actually seven separate types of car insurance coverage in Montana.
Everyone who drives in the state needs the minimum amount of liability coverage and property damage coverage that is required by law.
The other types of insurance include medical payments, collision, comprehensive, uninsured motorist and underinsured motorist.
You need to pick and choose which of these types of coverage is necessary for your particular situation.
If you drive an older car you likely don't need collision or comprehensive coverage.
A good rule of thumb is to estimate the amount it would take to replace your vehicle should it be destroyed in an accident.
If it costs more to purchase collision and comprehensive coverage than it does to replace the car, you can decline the coverage.
If you feel you need this coverage because you own a late model car, consider a higher deductible.
This helps to reduce insurance costs considerably.
Once you make a determination about exactly what types of coverage you want, you'll be in a position to contact various insurance companies and ask for quotes.
Each insurance company will offer several discounts that can range from a percentage reduction on premiums if you have air bags, to saved money for having a good driving record.
Ask each company you contact what discounts they offer when you are asking for a quote.
Once you have their rock bottom price you can then choose a policy that fits your budget.