Best cheap car insurance quotes in Choteau
In Montana, all drivers must carry
minimum liability coverage. That means it’s also the minimal amount of car insurance you need to have in Choteau and gives you the cheapest rate.
But depending on your circumstances and preference, you may opt to carry higher liability limits or full coverage car insurance to offer greater protection for you and your vehicle.
Cheap minimum liability insurance quotes in Choteau
To drive legally in Choteau , you must meet
Montana’s minimum liability insurance requirements. Those include:
$25,000 per person / $50,000 per accident in bodily injury liability coverage
$20,000 per accident in property damage liability coverage
These coverages are commonly referred to as 25/50/20 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving. But it does not cover your personal medical expenses or damages if you are at fault.
Jerry has helped Choteau car owners find the best rates on minimum liability coverage.
Choteau, MT (Zip Code: 59422)
Do you need more than minimum coverage in Choteau?
Montana’s 25/50/20 minimum liability insurance may not be enough to cover the costs of an at-fault accident in Choteau.
For example, the minimum amount of property damage coverage—that is, $20,000—can quickly get exhausted in a multiple-vehicle collision or if you cause damage to a new or luxury vehicle. Similarly, an accident that injures multiple drivers can quickly deplete your $50,000 limit for bodily injury coverage.
Put simply, once your insurance limits have been exhausted, your provider won’t offer additional assistance for accident-related expenses. This means that you may be responsible for covering any remaining costs out-of-pocket—so it’s worth investing in extra coverage.
And keep in mind that
Montana's car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident!
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Choteau
To protect yourself against expenses associated with repairing or replacing your vehicle,
full coverage car insurance is the only option.
Full coverage typically includes
collision coverage, in addition to your state's minimum liability limits:
Collision coverage helps cover the costs of repairs to your vehicle following an accident.
Comprehensive coverage handles costs associated with non-collision incidents, such as theft, vandalism, or weather damage.
If you want to safeguard your finances from steep accident expenses, you want full-coverage car insurance. Repairing or replacing your vehicle can cost thousands of dollars, but it doesn’t have to come out of your wallet if you have adequate coverage.
Drivers can choose to enhance their insurance protection by purchasing additional coverages for an extra premium. Popular insurance add-ons in Montana include:
The table below shows some recent examples of cheapest Choteau full coverage quotes that Jerry’s agents helped our customers find.
|Insurance Coverage||Insurance Company||Premium (monthly)||Customer||Car|
• State Minimum Liability
• Comp / Collision
|Ford F150 Supercrew|
Last Updated Sep 30, 2023
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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