Glendive, MT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Glendive, 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.
Affordable Car Insurance in Glendive, MT
The average cost of auto insurance in Glendive, MT, is $1,380. Auto insurance is one of the most important things you can buy for your car. It is a legal requirement in most states, including Montana, and it can protect you and your car from financial ruin in the event of an accident. Many types of auto insurance are available, and it can be confusing to understand all the options. However, finding an insurance policy that meets your needs and budget is important. The best way to find affordable auto insurance in Glendive, MT, is to shop around and compare rates from different companies. You can do this easily online by using a comparison website. To make things simpler, Zimlon has researched all the variables that may affect the price of auto insurance in Glendive, MT, through its research. Consider the following factors to lower your premium and avail affordable car insurance in Glendive, MT.
Credit History
Credit history is a major factor affecting the cost of car insurance in Glendive, MT. Drivers with good credit scores are seen as being more responsible and less likely to file a claim, and as a result, they typically receive lower rates. On the other hand, drivers with poor credit scores are often seen as more of a risk, and as a result, they often pay higher rates. For instance, in Glendive, Montana, drivers with exceptional credit pay $1,184 for auto insurance, whereas those with poor credit must spend $2,251 for the same level of protection.
Age of the Driver
It is a well-known fact that your age affects your car insurance rates. The younger you are, the higher your rates will be. This is because younger drivers are considered to be a higher risk by insurance companies. They have less experience on the road and are more likely to be involved in an accident. As you get older, your rates will go down. This is because older drivers are considered to be a lower risk by insurance companies. They have more experience on the road and are less likely to be involved in an accident. For instance, in Glendive, Montana, according to the driver's age, teenagers pay $4,478 for auto insurance, while 40 year older drivers pay $1,314 for the same coverage.
Driving Habits
Driving habits are one of the most critical factors in determining the cost of car insurance in Glendive, MT. If you are a safe driver with a clean driving record, you will most likely pay less for your car insurance than someone with a poor driving record. Conversely, you will probably pay more for car insurance if you have a history of accidents or moving violations. For instance, in Glendive, Montana, drivers who run red lights or drive with a suspended licence will see an increase in their auto insurance rates of +$322 and +$930, respectively. Therefore, it's crucial to drive cautiously if you want to find affordable car insurance in Glendive, Montana.
Factors that can influence the cost of car insurance in Glendive, 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.
- Glendive, MT Auto Insurance Rates
- Glendive, MT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Glendive, MT
- Multi Vehicle Insurance Savings in Glendive, MT
- How Credit Score Affects Car Insurance Rates in Glendive, MT
- How DUI Affects Auto Insurance Premiums in Glendive, MT
- Top Auto Insurance Agents Near Glendive, MT
- How Driving Violations Affect Auto Insurance Rates in Glendive, MT
- Glendive, MT Auto Insurance Discounts on Anti Theft Feature
Glendive, MT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Glendive, MT with that of other cities in and around Glendive.
| Glendive | West Glendive | Dawson County | |
|---|---|---|---|
| Average Insurance Rates | $1,380 | $1,384 | $1,378 |
Glendive, 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 Glendive, 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) |
|---|---|---|
| Glendive | $1,472 | $1,243 |
| West Glendive | $1,477 | $1,248 |
| Dawson County | $1,645 | $1,389 |
Glendive, MT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Glendive, 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 | $4,478 |
| 20 Years | $1,773 |
| 30 Years | $1,366 |
| 40 Years | $1,314 |
| 50 Years | $1,217 |
| 60 Years | $1,234 |
| 70 Years | $1,436 |
Glendive, MT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Glendive, 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 | $2,429 | $331 |
| 3 Vehicles | $3,643 | $497 |
| 4 Vehicles | $4,858 | $662 |
Savings on 2 Vehicles bundle:$331
Savings on 3 Vehicles bundle:$497
Savings on 4 Vehicles bundle:$662
Glendive, 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 Glendive, MT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Glendive | $1,380 | $2,306 |
| West Glendive | $1,384 | $2,313 |
| Dawson County | $1,378 | $2,303 |
Glendive, 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) | $1,184 |
| Excellent (740-799) | $1,352 |
| Good (670-739) | $1,438 |
| Average (580-669) | $1,876 |
| Poor (300-579) | $2,251 |
Glendive, 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 |
|---|---|---|---|
| Jay Morasko | State Farm | 332 S Douglas St, Glendive, 59330-1606 | 406-365-2497 |
| Hub International Mountain States Ltd | None | 120 South Kendrick Ave, Glendive, 59330 | None |
| Hagenston Agency | Liberty Mutual Independent | 503 N MERRILL AVE, GLENDIVE, 59330 | (406) 377-3600 |
| Stockman Insurance, Inc | None | 204 W Bell, Glendive, 59330 | None |
| Hellman Insurance | Travelers | 116 Logan Avenue, Terry, 59349 | (406) 635-5782 |
Glendive, 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 | +$61 | $1,441 |
| Driver's Failure In Showing Documents | +$134 | $1,514 |
| Driving With An Expired Registration | +$142 | $1,522 |
| Driving At A Considerably Slow Pace | +$299 | $1,679 |
| Using A Cellphone While Driving | +$316 | $1,696 |
| Running A Red Light | +$322 | $1,702 |
| Speeding | +$338 | $1,718 |
| Driving A Vehicle Without The Required Permission | +$429 | $1,809 |
| Driving With An Expired/Suspended License | +$930 | $2,310 |
Glendive, 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 | $1,325 |
| Active Disabling Device | $1,325 |
| Tracking Device | $1,297 |
| Passive Disabling Device | $1,283 |