Is Your Glasgow, MT Auto Insurance Too High? Start Saving Today

Shopping online for Glasgow auto insurance may seem to be difficult if you have never used quoting online. Don’t let that stop you because we’re going to show you how.

How to Compare Auto Insurance in Glasgow, Montana

All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm provide price estimates directly from their websites. The process is fairly straightforward as you simply type in the coverages you want into a form. When the form is submitted, their system automatically orders your driving and credit reports and provides a quote based on these factors.

This simplifies rate comparisons, but the process of having to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it is imperative to do this if you want to find a lower rate.

There is an easier way!

An easier way to find cheaper rates is to use a quote form that analyzes rates from many companies. It saves time, reduces the work, and makes online shopping much easier to do. After sending the form, it gets priced and you can choose your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here and input your coverage information. To compare your current rates, we recommend you complete the form with deductibles and limits as shown on your current policy. This helps ensure you will be getting comparison quotes based on identical coverages.

Discounts are great for lower rates

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find auto insurance savings.

• Drive Safe and Save – Insureds without accidents can pay as much as 50% less than drivers with accident claims.
• Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
• Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
• Early Signing – Some companies give discounts for signing up before your current policy expires. This can save 10% or more.
• Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10%.

As a disclaimer on discounts, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

To see a list of insurance companies with discount auto insurance rates in Glasgow, follow this link.

What about using a local agent?

Some consumers prefer to buy from a local agent and that is OK! The biggest benefit of getting online price quotes is the fact that you can find the best rates but also keep your business local.

After filling out this short form, your coverage information is instantly submitted to agents in your area who will give you bids for your insurance coverage. There is no reason to leave your computer due to the fact that quote results will go directly to your email. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.

Selecting a company should depend on more than just the price. Ask your prospective agent these questions:

• What are the financial ratings for the companies they represent?
• Is their price quote a firm figure or are their hidden costs?
• Is assistance available after office hours?
• Will their companies depreciate repairs to your car based on the mileage?
• What will you get paid if your car is a total loss? How is that amount determined?
• Do clients work directly with the agent or are most inquiries handled by a CSR?

Glasgow car insurance agents are either independent or captive

When researching a good Glasgow insurance agent, there are two different types of agents to choose from. Agents are either independent (non-captive) or captive.

Captive Agents

Captive agents write business for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agents are very knowledgeable on their company’s products which helps them compete with independent agents. Some people will only purchase coverage from captives mainly due to the brand legacy and the convenience of having all coverages with one company.

Below are Glasgow captive insurance agents who can help you get price quotes.

• State Farm Insurance – 232 1st Ave N – Glasgow, MT 59230 – (406) 228-4329
• Farmers Insurance Group – 520 3rd Ave S – Glasgow, MT 59230 – (406) 228-8243

Independent Insurance Agents

Independent agents are not employed by any specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.

When shopping rates, you should always get quotes from multiple independent agents to have the most options to choose from.Most can insure with different regional companies which can save you money.

Below are Glasgow independent agencies who can help you get rate quotes.

• United Insurance and Realty – 504 2nd Ave S – Glasgow, MT 59230 – (406) 228-9356
• Western States Insurance – 309 Klein Ave – Glasgow, MT 59230 – (406) 228-4929

To view a complete directory of licensed insurance agents in Glasgow, simply jump to this page.

Once you have acceptable answers to your questions and an affordable coverage quote, it’s possible that you found an insurance agent that is a good match to properly service your auto insurance policy.

Rate influencing factors

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with lower auto insurance prices.

• Your occupation can affect rates – Did you know that where you work can have an impact on rates? Occupations such as judges, executives and accountants have higher rates than average due to job stress and lengthy work days. On the flip side, occupations like scientists, athletes and homemakers get better rates.
• Claim-free discounts can add up – Auto insurance companies in Montana generally give discounts to people who are claim-free. If you file claims often, you can definitely plan on higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Lower rates with optional equipment – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
• Do you qualify for a multi-policy discount? – Some insurance companies give discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money.
• Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.
• Protect yourself with liability coverage – Liability insurance is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not skimp.
• Where you live is a factor – Being located in less populated areas can be a good thing when it comes to auto insurance. Lower population translates into fewer accidents and a lower car theft rate. Drivers who live in large Montana cities have to deal with much more traffic to deal with and longer commute times. More time on the road means more change of being in an accident.

Ads can be misleading

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to have a common claim that you can save if you switch your policy. How can each company make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that makes them money. For example, a driver they prefer could possibly be a mature driver, has no driving citations, and drives newer vehicles. Any driver who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for the requirements will have to pay higher rates and this can result in the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save money. That’s why companies can state the savings. Because of the profiling, you absolutely need to get as many comparisons as possible. Because you never know which company will have the lowest rates.

What is YOUR best insurance company?

Consumers leave their current company for a variety of reasons including policy cancellation, delays in paying claims, questionable increases in premium or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

The cheapest auto insurance can be bought online and also from your neighborhood Glasgow agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

We’ve covered a lot of information how to lower your auto insurance rates. The key thing to remember is the more providers you compare, the better your comparison will be. You may even find the lowest premiums are with the smaller companies.

Montana auto insurance information

More detailed Montana auto insurance information is located at the Montana Commissioner of Securities and Insurance website. Consumers can find out industry alerts, read state legal mandates and laws, and find disaster information.

Also read more on III.org’s auto insurance page and this page where you can research Glasgow insurance agents.