On average, a motorist in the state of Montana can expect to pay approximately $530 a year in insurance costs. Obviously, this is a large amount of money, which is why most people are constantly looking for affordable auto insurance in Montana. The best way to find low cost insurance is to do a little research and that starts with getting quotes. Contacting several different auto insurance companies and requesting an estimated cost for a policy that provides the coverage you need will help you determine where you’ll find the best price. There are other ways to lower car insurance costs, especially when you’re insuring a young or older driver.
Insurance companies often view young and elderly drivers as high risk. For young drivers, their inexperience does not bode well for good insurance rates. Most young drivers can expect to pay much more for insurance than someone who has been driving for a few years. For the parent of a teen driver, they can help reduce that cost by insisting that the child be an occasional driver in her vehicle rather than the child buying and insuring her own car.
Another effective way to save on car insurance premiums for young and old drivers is driving courses. When a high-risk driver takes a driving course, the insurance company considers them more responsible. Teens can sign up for and complete a driver training course that includes both classroom instruction and in-car training. An older person can take a course that helps with reflex actions and also reminds them of all the traffic rules. Presenting the insurance company with a certification of completion of a driving course will almost always result in lower premiums. It also helps improve driver skill, which is always a good thing.