Learn How to Pay Less for Roundup Car Insurance

Expensive car insurance can dwindle your savings account and force you to make sacrifices. Comparing price quotes is a smart way to tighten up your finances.

You have so many car insurance companies to pick from, and although it’s a good thing to have multiple companies, it makes it harder to compare rates.

How to Compare Roundup Car Insurance Costs

Performing a rate comparison can be challenging if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) driving to insurance companies in Roundup, or you can utilize online quotes to quickly compare rates.

All the larger companies enroll in a system where prospective buyers only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do repetitive form submissions to each company. To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of system is you can’t choose the insurers to receive prices from. So if you prefer to choose specific providers to compare prices, we have a listing of the cheapest car insurance companies in Montana. Click here for list of insurance companies in Montana.

It doesn’t matter which method you choose, just make sure you use identical information with every price quote. If each company quotes different limits and deductibles on each one it will be impossible to determine the lowest rate in Roundup. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, having more price comparisons will increase your chances of finding better pricing.

Cut your premium with discounts

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. Certain discounts will be applied when you quote, but some must be asked for prior to receiving the credit.

• Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
• Save over 55 – Older drivers may qualify for a small decrease in premiums.
• Multi-policy Discount – When you have multiple policies with one company you may save at least 10% off all policies.
• Employee of Federal Government – Active or retired federal employment may qualify you for a discount with a few car insurance companies.
• Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates when shopping for car insurance.
• Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
• New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
• Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
• Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, car insurance companies aren’t that generous. But any discount will reduce your overall premium however.

To choose providers with discount car insurance rates in Roundup, click here to view.

What is the best insurance coverage?

When it comes to choosing adequate coverage, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

• Do I need PIP (personal injury protection) coverage in Montana?
• Does medical payments coverage apply to all occupants?
• Am I covered when driving in Canada or Mexico?
• Does my liability insurance cover pulling a trailer or camper?
• What is high-risk coverage and where do I buy it?
• Should I drop comprehensive coverage on older vehicles?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I qualify for additional discounts?
• Do I have coverage if my license is suspended?
• Is my custom paint covered by insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Additional car insurance information can be found on the website for the Montana Commissioner of Securities and Insurance through this link. Montana consumers can learn about insurance regulations, read consumer alerts, and read enforcement actions against agents and companies.