Who Has the Cheapest Car Insurance Quotes for Felons in Montana?

The type of vehicle requiring insurance is a large consideration when shopping around for the cheapest car insurance for felons in Montana. Vehicles with high performance engines, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models. The list below ranks coverage prices for a handful of the cheaper vehicles to insure in Montana.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can impact premium rates substantially.

Looking at the numbers, you can conclude that cars like the Chevrolet Traverse, Hyundai Tucson, and Honda Accord are the most budget-friendly vehicles to insure for felons.

Finding out which companies have the lowest-priced auto insurance rates for felons will take a bit more effort in order to find coverage that fits your buget. Every auto insurer uses their own calculation for filing rates in each state, so to begin we’ll rank the overall cheapest auto insurance companies in Montana.

It’s a good idea to know that Montana auto insurance rates are influenced by many factors that control your annual premium. Simply having a birthday, having a teenage driver, or getting caught speeding may cause policy rate changes that may make certain companies cheaper than others.

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Safeco has some of the cheapest car insurance rates in Montana at around $837 each year. Progressive, USAA, State Farm, and MetLife are also some of the lowest-priced Montana auto insurance companies.

As the rates illustrate above, if you are a policyholder with State Farm and switched to Progressive, you could realize savings of approxmiately $89. Montana drivers with MetLife might save as much as $171 a year, and National Farmers Union insureds might lower prices by $248 a year.

To compare your rates to other Montana insurance companies, click here to begin a quote or visit any of the low-priced companies below.

Be aware that those rates are averages across all drivers and vehicles in Montana and are not factoring in a rate decrease for felons. So the insurer that has the lowest price for you may not even be featured in the list of companies above. That illustrates why you need to quote rates from many companies using your own driver data and vehicle information.

State Farm, Progressive, Allstate, and Geico: Who is cheapest?

If you are shopping around for car insurance, some of the first companies to look at are State Farm, Progressive, Allstate, and Geico. The following table rates pricing and service ratings, as well as optional policy coverages that are available for policyholders.

Cheap insurance quotes for felons

Thanks to the internet, there are a lot of ways to find cheap auto insurance in Montana, but the most preferred are through an independent insurance agent, an exclusive insurance agent such as State Farm or Liberty Mutual, or direct either online or via phone. Each way has the same basic process, but auto insurance shoppers should know the differences in how they provide rate quotes.

Independent insurance agencies have contracts with many companies and can quote your policy with each one. These agents possess the freedom to quote rates with many companies, which may provide you with the best chance of finding a lower price. If they find a lower price, an independent agent can move your coverage without you having to go to a different agency.

A captive or exclusive agent is limited to a single insurance company, for example a State Farm or Allstate agent. These guys and gals cannot compare rates from other companies, so you need to shop around if the rates are high.

Buying auto insurance direct means you skip a local insurance agent and instead shop from a direct company like Progressive. Buying auto insurance direct may be preferred by families who have lower risk management needs and have some degree of understanding of how their policy works.

So which way is best for finding the cheapest car insurance for felons in Montana? We’d like to say buying from a direct company results in the cheapest price because there is no agent taking a commission, but in reality, that is not true. A valid argument could also be made that going through an independent agent is the best way since they can quote with many companies, but again, that’s not a true statement. And sometimes, the exclusive agents may have prices that are impossible to beat.

Due to that fact that auto insurance uses so many rating variables, really the best method to ensure you are not overpaying for auto insurance is to obtain price quotes and compare them. Put in the effort to get prices from all three types to give yourself plenty of rates to compare. For a list of companies with some of the cheapest Montana auto insurance rates, click here to view.