How Much Does Auto Insurance Cost for Handicapped Drivers in Montana?

For drivers with handicaps, one of the more important considerations that is used by car insurance companies to determine the price of your policy is where you normally keep your vehicle. Areas with more people or even just a higher incidence of claims like Columbia Falls, Kalispell, and Polson tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The information below displays the highest-priced areas in Montana for handicapped drivers to buy auto insurance in.

Premium amounts are approximated as vehicle location can impact auto insurance rates significantly.

Trying to find cost effective insurance is confusing at best, and finding out which company quotes the best car insurance rates for handicapped drivers will require even more work. Each auto insurer has a proprietary formula to set their prices, so we’ll take a look at the lowest cost car insurance companies in Montana.

It’s a good idea to know that Montana car insurance rates are calculated based on many things which can substantially decrease or increase the cost of coverage. This price variability is why drivers need to take the time to shop around when trying to get the most budget-friendly auto insurance rates for handicapped drivers. Auto insurance prices are calculated by many factors and change frequently, so the best company when you bought your policy may now be quite expensive.

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Safeco may have some of the cheapest car insurance rates in Montana at around $862 per year. Progressive, USAA, State Farm, and MetLife are also some of the most economical Montana insurance companies.

In the above rates, if you are currently insured with State Farm and switched to Progressive, you may realize savings of roughly $118. Insureds with MetLife may save as much as $189 a year, and National Farmers Union insureds might see rate reductions of $241 a year.

Bear in mind that those prices are averaged for all ages of drivers and types of vehicles and do not take into consideration a rate decrease for handicapped drivers. So the company that can offer you the best rate may not even be in the chart above. That helps illustrate why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

The car, truck, or SUV you are trying to insure is one of the largest factors when comparing quotes for affordable car insurance for handicapped drivers. Vehicles with economical engines, a great safety record, or a positive history of liability claims will cost much less to insure than fast, unsafe models. The lists below presents insurance premiums for the most cost-effective automobiles to buy coverage for.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific zip code location which can increase or decrease coverage rates substantially.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific location which can decrease or increase coverage prices significantly.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in vehicle location which can alter premium rates substantially.

Choosing a good quality insurance provider can be challenging considering how many different companies sell coverage in Montana. The rank data in the lists below can help you choose which auto insurers to look at when comparing auto insurance rates for handicapped drivers.

The rankings below are only comprised of major nationwide insurance companies, so companies that focus mainly on Montana business are not included in these rankings. If you wish to compare rates from these companies and more, just click here.

Does State Farm, Geico, Allstate, or Progressive have the cheapest car insurance?

When comparing rates for car insurance for drivers with handicaps in Montana, the first places to look would be State Farm, Geico, Allstate, and Progressive. The next table compares some of the different options shoppers can expect to find with each one.