Learn How to Shop For Libby Montana Auto Insurance Like an Expert

Overpriced auto insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to help make ends meet. Because you have many choices of insurance companies, it’s nearly impossible to choose the lowest cost provider.

Consumers should take time to do rate comparisons once or twice a year due to the fact that insurance rates are usually higher with each renewal. Even if you got the best price on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

Compare Quotes for Libby Auto Insurance

Getting a cheaper price on insurance can be quick and easy. Drivers just need to invest a little time to compare quotes online from several insurance companies. This can be accomplished in a couple of different ways.

• One of the simplest ways to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do multiple quote forms to each individual auto insurance company. Taking the time to complete one form will return quotes from all major companies.
• A more difficult way to compare rate quotes requires a visit to the website of each company to complete a price quote. For example, we’ll pretend you want comparison quotes from GEICO, 21st Century and Allstate. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in Libby, click here.
• The least recommended method of getting rate comparisons to and from local Libby insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the personal advice only provided by licensed Libby agents. However, consumers can comparison shop your insurance online but still have the advice of a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverages and limits for each price quote. If you enter different values for each quote you will not be able to determine which rate is truly the best in Libby.

Do you qualify for discounts?

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be inquired about before being credited. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

• Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
• Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
• Life Insurance Discount – Larger companies have a break if you buy life insurance.
• Student in College – Kids in college living away from home attending college and don’t have a car may be able to be covered for less.
• Government Employees – Employees or retirees of the government could cut as much as 10% off with select insurance companies.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will cut your premiums.

For a list of companies offering auto insurance discounts in Libby, click here.

Why some people pay less for insurance in Libby

It’s important that you understand the different types of things that go into determining auto insurance rates. Understanding what influences your rates enables informed choices that could result in better auto insurance rates.

• Consolidate policies to earn discounts – Many auto insurance companies give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to compare other company rates to ensure the best deal. You may still find a better deal by buying auto insurance from a different company.
• Mature drivers pay less – Teenage drivers in Montana are statistically proven to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
• High performance equals high price – The make and model of the vehicle you drive makes a significant difference in how high your rates are. Low performance passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
• Car features impact rates – Owning a car with an alarm system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
• Cautious drivers pay less – Careful drivers have lower premiums than bad drivers. Even one ticket can boost insurance rates by as much as thirty percent. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state motor vehicle department in order to continue driving.

Do I need a local agent?

Certain consumers prefer to sit down with an agent and that is OK! Good agents can help determine the best coverages and give you someone to call. The biggest benefit of price shopping on the web is that you can obtain the best rates and still choose a local agent. Buying from local insurance agencies is important especially in Libby.

To find an agent, once you fill out this quick form, your coverage information is immediately sent to companies in Libby who will return price quotes to get your business. You never need to leave your computer due to the fact that quote results will go to your email. It doesn’t get any easier!

If you prefer to view licensed agents in Libby, click here to link.

Choosing an insurance company requires more thought than just the price. Agents should be asked these questions:

• Who is covered by the car insurance policy?
• Do the coverages you’re quoting properly cover your vehicle?
• Are claim adjusters local or do you have to take your car somewhere else?
• Do they regularly work with personal auto policies?
• Do they assist clients in filing claims?

After receiving acceptable answers to your questions as well as a affordable price, you have narrowed it down to an insurance company that meets your needs to adequately provide auto insurance.

Additional information can be read on the website for the Montana Commissioner of Securities and Insurance through this link. Montana drivers can find out industry alerts, find disaster information, and download brochures.

Do drivers who switch really save $449 a year?

Consumers in Montana can’t get away from ads that promise big savings by companies like Progressive, Allstate and GEICO. All the companies say the same thing that you can save if you switch to them.

How can each company claim to save you money?

All companies can use profiling for the driver that earns them a profit. An example of a driver they prefer could possibly be between 30 and 50, owns a home, and has a short commute. A customer who meets those qualifications receives the best rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t measure up to the “perfect” profile must pay higher prices and ends up with business not being written. The ads say “people who switch” not “everyone that quotes” save that much. That is how insurance companies can make the claims of big savings.

This illustrates why it’s extremely important to get as many quotes as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

One last thing

Affordable auto insurance is possible online as well as from independent agents in Libby, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage only to regret that it was a big mistake. Your focus should be to find the BEST coverage at the best price.

In this article, we covered a lot of ways to get a better price on auto insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.