Is Your Kalispell Montana Auto Insurance Too High? Here is How to Save Money

I can’t think of anyone who cherishes buying auto insurance, especially when their premiums are through the roof.

Companies like State Farm, Progressive and Geico all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.

It’s a great practice to price shop coverage occasionally because prices trend upward over time. Just because you found the lowest price a few years ago there is a good chance you can find better rates now. You can find a lot of wrong information about auto insurance online, so by reading this article, you’re going to learn some good information on how to reduce your auto insurance bill.

If you currently have a car insurance policy, you should be able to save some money using this information. Finding the best rates in Kalispell is quite easy. But Montana vehicle owners must understand the methods companies use to market on the web and apply this information to your search.

Free Kalispell Auto Insurance Quotes

All major auto insurance companies like Progressive, Geico, Allstate and State Farm quote pricing on the web. Getting online quotes is quite easy as you simply type in your coverage information into a form. After the form is submitted, their system obtains credit information and your driving record and quotes a price. Being able to quote online helps simplify price comparisons, but the process of having to visit multiple sites and type in the same information gets old quite quickly. But it is imperative to compare as many rates as possible if you want to find the lowest possible prices on auto insurance.

Compare rates the easy wayprice insurance in Kalispell

The quickest way to find better auto insurance pricing makes use of a single form to obtain quotes from several companies at one time. The form is fast, eliminates form submissions, and makes rate comparisons much easier to do. Immediately after you send the form, it is rated with multiple companies and you can pick any of the returned quotes. If a lower price is quoted, you simply finish the application and buy the new coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and find out how much you can save on auto insurance, click here to open in new window and enter your information. If you have a policy now, it’s recommended you duplicate the limits and deductibles as shown on your current policy. This helps ensure you will get rate quotes using the same coverage and limits.

More discounts equal less premium

Car insurance companies don’t list all available discounts in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using.

  • Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Homeowners Savings – Owning a home in Kalispell may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • Drivers Education – Have your child take driver’s ed class in high school.
  • Memberships – Participating in a civic or occupational organization may earn a discount on your policy.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.

Consumers should know that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

For a list of companies who offer auto insurance discounts in Kalispell, click here to view.

save money concept

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Can I drive in Mexico and have coverage?
  • Should I sign the liability waiver when renting a car?
  • Does my medical payments coverage pay my health insurance deductible?
  • How do I file an SR-22 for a DUI in Montana?
  • When should I drop full coverage on my vehicle?
  • Can I still get insurance after a DUI?
  • Are rental cars covered under my policy?
  • Why does it cost so much to insure a teen driver in Kalispell?
  • Is my vehicle covered for smoke damage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

More tips and info about auto insurance is located at the Montana Commissioner of Securities and Insurance website. Visitors are able to read consumer alerts, read state legal mandates and laws, discover disciplinary actions, and report car insurance fraud.