Carlton Auto Insurance Rates, Quotes, Agents & Reviews in MT

Carlton, MT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Carlton, MT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Cheapest Car Insurance In Carlton, MT

The average cost of car insurance in Carlton, MT, is $1,493. As per the state requirements, drivers must carry car insurance in Carlton, MT. Auto insurance in Carlton, MI, is relatively high compared to neighboring cities like Florence($1,436), Missoula($1,444), Turah($1,487), Piltzvill ($1,427), and East Missoula($1,407). If you are pulled over by law enforcement or involved in an automobile accident without proper coverage, you will face severe issues. Obtaining the right coverage should not cost a lot of money. Drivers must explore multiple options and quotes offered by car insurance companies in Carlton, MT. Here are a few tips which can get you cheap car insurance in Carlton, MT. 

a. By obeying driving regulations

Your car insurance rates in Carlton, MT, are primarily determined by your driving history and how you use your vehicle. You can keep your auto insurance cost low by obeying driving laws such as no texting while driving, avoiding speeding, and not running red lights or stop signs. With a clean driving record, you’ll be able to get more affordable car insurance in Carlton, MT. 

For instance, car drivers punished for driving without headlights or using a phone while driving has to pay +$66 and +$342 extra on the total cost insurance. 

Refer to the graph below to understand the auto insurance rates per driving violation in Carlton, MT.


b. By opting for a lower deductible 

Car owners can lower their insurance costs by increasing their deductible amount. Most companies offer a wide range of deductibles starting from $500 to $5000, and sometimes higher. But before choosing a higher deductible, ensure that you have enough money set aside to cover them if you have a claim. 

The higher the deductible, the lower the auto insurance rates in Carlton, MT. Auto drivers in Carlton who opt for a low deductible of 500 pay $1032, whereas those who opt for a high deductible of 1000 pay $872. Here, by paying a higher deductible, you can save up to $160. 

c. By availing of multi-car discounts

Car drivers might be able to save money on their auto insurance by bundling their policies. That way, you provide more business to the insurance company, and it rewards you with a discounted insurance rate. Generally, in Carlton, MT, car owners pay $2,628 on two vehicles and $3,942 on three cars. They can save up to $358 and $537 on car insurance rates in Carlton, MT.

Factors that can influence the cost of car insurance in Carlton, MT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Carlton, MT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Carlton, MT with that of other cities in and around Carlton.

Carlton Florence Missoula Turah Piltzville East Missoula
Average Insurance Rates $1,493 $1,436 $1,444 $1,487 $1,427 $1,407

Carlton, MT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Carlton, MT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Carlton $1,032 $872
Florence $1,290 $1,089
Stevensville $1,882 $1,589
Orchard Homes $1,428 $1,206
East Missoula $1,507 $1,273
Piltzville $1,396 $1,179
Missoula $1,408 $1,189
Turah $1,072 $906

Carlton, MT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Carlton, MT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,845
20 Years $1,918
30 Years $1,478
40 Years $1,422
50 Years $1,317
60 Years $1,335
70 Years $1,554

Carlton, MT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Carlton, MT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,628 $358
3 Vehicles $3,942 $537
4 Vehicles $5,255 $717

Savings on 2 Vehicles bundle:$358

Savings on 3 Vehicles bundle:$537

Savings on 4 Vehicles bundle:$717

Carlton, MT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Carlton, MT.

Location Average Insurance Cost Post DUI Insurance Rate
Carlton $1,493 $2,495
Florence $1,436 $2,399
Stevensville $1,460 $2,440
Orchard Homes $1,472 $2,460
East Missoula $1,407 $2,351
Piltzville $1,427 $2,384
Missoula $1,444 $2,413
Turah $1,487 $2,485

Carlton, MT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,281
Excellent (740-799) $1,462
Good (670-739) $1,556
Average (580-669) $2,030
Poor (300-579) $2,435

Carlton, MT Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
David Clarke Farmers 4404 Expressway Ste 103, Missoula, 59808 (406) 542-6544
Jake Eby State Farm 1330 W Broadway St Ste B, Missoula, 59802-2240 406-540-4425
Darby South State Farm 1015 Mount Ave Ste A, Missoula, 59801-5680 406-721-2980
Paynewest Insurance Travelers 2925 PALMER ST STE B, MISSOULA, 59808 406-721-1000
Gary Carvajal Farmers 4404 Expressway Ste 103, Missoula, 59808 (406) 542-6544
Anthony Pagniano Farmers 800 Kensington Ave Ste 102, Missoula, 59801 (406) 728-1833
Brian Potton Farmers 221 Main St, Stevensville, 59870 (406) 777-3626
Randy Mitchell Allstate 39 Stevensville Cutoff Rd, Stevensville, 59870 (406) 777-3288
Kasandra Towner Farmers 2502 Brooks St, Missoula, 59801 (406) 207-2009
Treasure State Insurance Inc Travelers 2812 BROOKS ST, MISSOULA, 59801 406-258-7270
Darby South State Farm 1015 Mount Ave Ste A, Missoula, 59801 406-721-2980
Cliff Plantz Allstate 2207 S 3rd St W, Missoula, 59801 (406) 549-8080

Carlton, MT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$66 $1,559
Driver's Failure In Showing Documents +$145 $1,638
Driving With An Expired Registration +$154 $1,647
Driving At A Considerably Slow Pace +$324 $1,817
Using A Cellphone While Driving +$342 $1,835
Running A Red Light +$348 $1,841
Speeding +$366 $1,859
Driving A Vehicle Without The Required Permission +$464 $1,957
Driving With An Expired/Suspended License +$1,006 $2,499

Carlton, MT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,433
Active Disabling Device $1,433
Tracking Device $1,403
Passive Disabling Device $1,388