Buy Dillon, MT Auto Insurance for the Lowest Rate With These Tips

Nobody I know looks forward to buying auto insurance, particularly when their premiums are too high.

Companies like State Farm, Farmers Insurance, GEICO and Allstate persitently shower you with catchy ads and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

Discounts are great for lower rates

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but a few need to be inquired about before being credited.

  • Early Signing – A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
  • Safety Course Discount – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% depending on your company.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Own a Home – Being a homeowner can save you money because maintaining a house requires personal responsibility.

Keep in mind that most credits do not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will help reduce the cost of coverage.

For a list of companies who offer auto insurance discounts in Montana, click this link.<img class="alignright" style="padding-top:15px;" src="" alt="Dillon Montana car insurance prices”/>

Advertising myths

Auto insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make an identical promise about savings after switching to them. But how can every company say the same thing?

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a driver they prefer could be between the ages of 30 and 50, has no prior claims, and has excellent credit. A customer who fits that profile will get the preferred rates and most likely will save when they switch companies.

Potential customers who don’t meet the “perfect” profile will be charged higher rates which usually ends up with business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that much. This is how companies can state the savings.

That is why drivers must get quotes from several different companies. It’s impossible to know which insurance companies will have the lowest rates.

More Montana auto insurance information

Much more information about auto insurance in Montana can be found on the website for the Montana Commissioner of Securities and Insurance found here. Consumers can learn about specific coverages, get help finding coverage, and learn about insurance regulations.

Dillon Montana car insurance prices

Cheaper insurance is a realistic goal

We’ve covered some good ideas how to get a better price on auto insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even discover the most savings is with some of the lesser-known companies. Some small companies often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price.