Ways to Lower Cost of Car Insurance in Belgrade, MT

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The average cost of car insurance in Belgrade, MT, is $1,454. This cost is higher than in nearby locations like Churchill, Logan, and Sedan but lower than other nearby places like Gallatin River Ranch and Springhill. Car owners in Belgrade, MT, can lower car insurance costs by comparing multiple auto insurance quotes. Some factors that affect auto insurance cost in Belgrade, MT, are explored below in detail by Zimlon.

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Location: 

The neighborhood one lives in Belgrade; MT influences the cost of car insurance. The make and model of the vehicle, rate of auto thefts in the neighborhood, and age of the driver are some crucial factors that can reduce or increase the cost of car insurance within the city. Zimlon offers the service of finding accurate insurance quotes using one’s zip code.

Age of the Driver: 

Car owners in Belgrade, MT, can lower the cost of car insurance and get various discounts by comparing multiple age of the driver based policies offered by different insurance companies. According to Zimlon’s analysis, teenagers and young drivers pay more on car insurance than older drivers as insurance companies consider them less responsible drivers. Zimlon found that the cost of car insurance for a teenager in Belgrade, MT, is $4,718. This cost reduces to $1,868 for a 20-year-old driver. For drivers between the ages of 30 to 50 years, the cost of car insurance is less than 1,500 in  Belgrade, MT.

Deductibles: 

This is one of the most common factors influencing the cost of car insurance in Belgrade, MT. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Belgrade, MT, on a deductible of $500 is $1,567, and this cost will decrease to $1,323 when the deductible is $1,000. 

Multi-Car Insurance: 

Auto Insurance companies in Belgrade, MT, offer attractive discounts on multi-car insurance policies and bundling. Car owners in Belgrade, MT, can lower insurance costs by purchasing their life, auto, and home insurance from the same insurance company. According to Zimlon’s analysis, by insuring two cars together, residents of Belgrade, MT, can save $378. Insuring three or four cars with the same insurer can also save $567 and $756, respectively. 

Anti-Theft Feature: 

Cars equipped with safety devices are less prone to thefts; therefore, auto insurance companies in Belgrade, MT, provide a considerable amount of discounts to vigilant car owners. The discounts can depend on the type and number of safety devices installed. According to Zimlon’s research, car owners in Belgrade, MT, can get car insurance for $1,396 by installing safety devices like an audible alarm and active disabling device. Installing additional anti-theft features like tracking devices and passive disabling devices can further reduce the cost of car insurance to $1,367 and $1,352, respectively.