Best cheap car insurance quotes in Sidney
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 Sidney 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 Sidney
To drive legally in Sidney , 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 Sidney car owners find the best rates on minimum liability coverage.
Coverage
State Minimum
Sidney, MT
(Zip Code: 59270) Mitsubishi Galant ES Do you need more than minimum coverage in Sidney?
Montana’s 25/50/20 minimum liability insurance may not be enough to cover the costs of an at-fault accident in Sidney.
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 Sidney
To protect yourself against expenses associated with repairing or replacing your vehicle, full coverage car insurance
is the only option. Full coverage typically includes comprehensive
and 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:
Uninsured/underinsured motorist coverage (UM/UIM)
The table below shows some recent examples of cheapest Sidney full coverage quotes that Jerry’s agents helped our customers find.
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• State Minimum Liability • Comp / Collision | Progressive | $62 | | Mitsubishi Galant ES |
Last Updated Nov 6, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.