Free Guide to Spending Less for Missoula Car Insurance Online

Confused by the wide range of car insurance options in Missoula? You’re not the only one! Drivers have so many choices that it can easily become more work than you anticipated to find lower rates.

Buying car insurance in Missoula is not that difficult. If you are insured now or are shopping for new coverage, you can use these techniques to get lower rates and still get good coverage. Montana drivers just need to understand the proper methods to shop on the web.

Discounts can save BIG

Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so we researched both well-publicized as well as the least known ways to save on car insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
• Bundle and Save – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
• Defensive Driving Course – Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
• Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.

Keep in mind that most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

To choose insurers with discount car insurance rates in Missoula, click here to view.

Additional detailed information can be found at the Montana Commissioner of Securities and Insurance website. Consumers can read state legal mandates and laws, read enforcement actions against agents and companies, and file complaints about a company.

Other useful links include NAIC.org’s Understanding your Policy and this page for help finding agents in Missoula, MT.

More comparisons equals lower rates

As you prepare to switch companies, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced liability coverage limits only to find out that it was a big error on their part. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

People who switch companies do it for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, extreme rates for teen drivers and policy cancellation. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

Low-cost car insurance can be bought from both online companies and with local Missoula insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.