Sick and tired of paying out the nose each month for car insurance? Your situation is no different than many other Montana consumers. There are many insurers to purchase coverage from, and although it’s a good thing to have a selection, too many choices makes it more difficult to find the lowest cost provider.
Choosing the best insurance company for you in Missoula is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Montana drivers just need to learn the most effective way to compare company rates on the web.
Smart consumers have a good feel for the factors that go into determining the price you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.
Listed below are some of the factors that factor into prices.
Cutting your car insurance rates doesn’t have to be difficult. Just take the time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
For a handy list of car insurance company links in Missoula, click here.
Whichever method you choose, make sure you use apples-to-apples deductibles and coverage limits for every quote you compare. If you use different deductibles you can’t possibly make an equal comparison in Missoula.
Montana consumers can’t get away from ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all make an identical promise that you can save if you switch your policy.
How do they all make almost identical claims?
Different companies have a certain “appetite” for the right customer that earns them a profit. For example, a profitable customer could be over the age of 40, has no tickets, and has excellent credit. A customer getting a price quote who matches those parameters receives the best rates and as a result will probably cut their rates substantially.
Consumers who are not a match for the “perfect” profile will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that kind of money. That is how companies can make those claims. This emphasizes why you need to quote coverage with many companies. It is impossible to predict the company that will provide you with the cheapest rates.
Companies offering auto insurance don’t necessarily list all available discounts very well, so we researched both the well known as well as the least known car insurance savings. If you don’t get every credit available, you are throwing money away.
Keep in mind that most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
Some people just want to visit with an insurance agent and that is just fine! Agents can point out coverage gaps and give you peace of mind. The biggest benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent.
To make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to companies in Missoula who will give you bids for your coverage. You don’t have to even leave your home due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!
Selecting a company needs to be determined by more than just a cheap price. Any agent should be forthright in answering these questions:
If you’re trying to find local Missoula agents, you must know there are a couple types of agencies from which to choose. Agencies in Missoula can either be independent (non-captive) or captive. Both types can insure your vehicles, but it’s worth learning how they differ since it may influence buying decisions.
Captive agents write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. Captives cannot shop your coverage around so they have to upsell other benefits. Captive agents are well schooled on the products they sell which can be an advantage.
Independent agencies are not required to write business for one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.
When shopping rates, you should always get quotes from at a minimum one independent agency for maximum quote selection.
Shown below is a short list of independent agencies in Missoula who can help you get price quotes.
Jim Powell Insurance – 1510 Ernest Ave – Missoula, MT 59801 – (406) 721-2224
Kim Stewart Insurance – 1610 South Ave W # A – Missoula, MT 59801 – (406) 721-1610
For a complete listing of insurance agents in Missoula, please go to this site.
After getting answers to your satisfaction to these questions and a low price estimate, it’s possible that you found an auto insurance agent that is a good match to provide car insurance coverage.
Even more information is located at the Montana Commissioner of Securities and Insurance website. Visitors are able to view agent and company licensing information, learn about insurance regulations, find disaster information, and file complaints about a company.
As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford.
Cheaper car insurance can be found both online and with local Missoula insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.