Great Falls, MT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Great Falls, 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.
Strategies for Saving Money on Car Insurance in Great Falls, MT
When you drive a car, you need insurance. That's just a fact of life in Great Falls, MT. You never know when you might get into an accident; if you do, you'll be glad you have insurance to help cover the costs. Even if you're a safe driver, you can't control other drivers on the road. And if someone hits you, their insurance should pay for the damage to your car. But what if they don't have insurance? That's where your insurance comes in. It will help pay for the damage to your car, and it will also help pay for any medical bills if you're injured in the accident.
The average cost of car insurance in Great Falls, MT, is $1,388. The cost of automobile insurance might vary from one insurer to the next, depending on a number of factors. The information includes age, gender, marital status, driving history, credit history, claims history, DUI reports, and many other things. Auto insurance shoppers in Great Falls, Montana, need to understand the significance of these elements. The causes of the rise in Great Falls, Montana's vehicle insurance rates have been examined by Zimlon. Compare these factors to get the best deal and savings on car insurance in Great Falls, Montana.
Strategy 1: Maintain an Excellent Credit History
When it comes to car insurance, one of the main factors that will affect your rates is your credit history. Maintaining an excellent credit history in Great Falls, Montana, is important to keep your insurance costs down. Insurance companies use your credit history to determine how likely you are to file a claim. If you have a history of missed payments or defaults on loans, your rates will be higher because the insurance company sees you as a higher risk. On the other hand, if you have a strong credit history, the insurance company will see you as a low-risk customer and offer you lower rates. So, keep your credit history in good shape if you want to keep your car insurance costs down in Great Falls, Montana. In Great Falls, Montana, car owners with excellent credit must pay $1,568, while those with bad credit must pay $2,980. So, the higher the credit score, the lower the Great Falls, Montana, auto insurance premiums.
Strategy 2: Check Age of the Driver
Younger drivers tend to pay more for their car insurance than older drivers. This is because younger drivers are considered more of a risk on the road. They are more likely to be involved in accidents and get speeding tickets. As a result, insurers charge them higher rates. In Great Falls, for instance, the average yearly premium for a teen driver is $4,504, whereas the average annual premium for a driver over the age of 40 is only $1,322. It's a $3182 difference, or almost three times as much.
Strategy 3: Maintain a Spotless Driving History
Driving history is one of the main factors that insurance companies use to determine rates. In Great Falls, MT, drivers with a clean history can expect to pay less for their car insurance than those with tickets or accidents on their record. Insurance companies view clean driving histories as a sign that the driver is less likely to file a claim and reward these drivers with lower rates. Drivers with less-than-perfect histories can still get affordable rates by shopping around and comparing quotes from different insurers. For example, getting a speeding ticket or driving through a red light in Great Falls, Montana, can raise your insurance rates by +$340 and +$323, respectively.
Factors that can influence the cost of car insurance in Great Falls, 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.
- Great Falls, MT Auto Insurance Rates
- Great Falls, MT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Great Falls, MT
- Multi Vehicle Insurance Savings in Great Falls, MT
- How Credit Score Affects Car Insurance Rates in Great Falls, MT
- How DUI Affects Auto Insurance Premiums in Great Falls, MT
- Top Auto Insurance Agents Near Great Falls, MT
- How Driving Violations Affect Auto Insurance Rates in Great Falls, MT
- Great Falls, MT Auto Insurance Discounts on Anti Theft Feature
- Great Falls, MT Auto Insurance Company Reviews
Great Falls, MT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Great Falls, MT with that of other cities in and around Great Falls.
| Great Falls | Black Eagle | Great Falls North | Cascade County | Vaughn | Ulm | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,388 | $1,338 | $1,357 | $1,387 | $1,363 | $1,422 |
Great Falls, 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 Great Falls, 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) |
|---|---|---|
| Great Falls | $960 | $811 |
| Ulm | $1,764 | $1,490 |
| Sun Prairie | $1,692 | $1,429 |
| Vaughn | $1,388 | $1,173 |
| Gibson Flats | $1,370 | $1,157 |
| Black Eagle | $1,595 | $1,348 |
| Cascade County | $2,025 | $1,710 |
| Great Falls North | $2,156 | $1,821 |
Great Falls, MT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Great Falls, 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 | $4,504 |
| 20 Years | $1,783 |
| 30 Years | $1,374 |
| 40 Years | $1,322 |
| 50 Years | $1,224 |
| 60 Years | $1,241 |
| 70 Years | $1,444 |
Great Falls, MT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Great Falls, 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 | $2,360 | $416 |
| 3 Vehicles | $3,539 | $625 |
| 4 Vehicles | $4,719 | $833 |
Savings on 2 Vehicles bundle:$416
Savings on 3 Vehicles bundle:$625
Savings on 4 Vehicles bundle:$833
Great Falls, 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 Great Falls, MT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Great Falls | $1,388 | $2,319 |
| Ulm | $1,422 | $2,376 |
| Sun Prairie | $1,343 | $2,244 |
| Vaughn | $1,363 | $2,277 |
| Gibson Flats | $1,459 | $2,438 |
| Black Eagle | $1,338 | $2,236 |
| Cascade County | $1,387 | $2,318 |
| Great Falls North | $1,357 | $2,267 |
Great Falls, 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) | $1,191 |
| Excellent (740-799) | $1,359 |
| Good (670-739) | $1,446 |
| Average (580-669) | $1,887 |
| Poor (300-579) | $2,264 |
Great Falls, 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 |
|---|---|---|---|
| Advantage Insurance Agency Llc | Travelers | 207 SMELTER AVE NE STE 2, GREAT FALLS, 59404 | 406-452-2956 |
| Erwin Insurance Inc | Travelers | 117 1ST AVENUE NORTH, GREAT FALLS, 59401 | 406-761-3300 |
| Erwin Insurance Inc | Travelers | 117 1ST AVENUE NORTH, GREAT FALLS, 59401 | 406-761-3300 |
| Leavitt Great West Insurance Services | Liberty Mutual Independent | 321 1St Ave N, GREAT FALLS, 59401 | (406) 252-4104 |
| David Copp | Allstate | 1520 River Dr N Ste A, Great Falls, 59401 | (406) 604-4040 |
| Scott Schissler | State Farm | 222 15th St S Ste A, Great Falls, 59405-2459 | 406-268-8888 |
| Scott Schissler | State Farm | 222 15th St S Ste A, Great Falls, 59405-2459 | 406-268-8888 |
| Intermountain Ins Agy Of Mt In | Liberty Mutual Independent | 600 CENTRAL AVE STE 322, GREAT FALLS, 59401 | (406) 452-2509 |
| Intermountain Ins Agency Of Montana Inc | Travelers | 600 CENTRAL AVE STE 3220, GREAT FALLS, 59403 | 406-452-2509 |
| Intermountain Ins Agency Of Montana Inc | Travelers | 600 CENTRAL AVE STE 3220, GREAT FALLS, 59403 | 406-452-2509 |
Great Falls, 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 | $1,449 |
| Driver's Failure In Showing Documents | +$135 | $1,523 |
| Driving With An Expired Registration | +$143 | $1,531 |
| Driving At A Considerably Slow Pace | +$301 | $1,689 |
| Using A Cellphone While Driving | +$318 | $1,706 |
| Running A Red Light | +$323 | $1,711 |
| Speeding | +$340 | $1,728 |
| Driving A Vehicle Without The Required Permission | +$432 | $1,820 |
| Driving With An Expired/Suspended License | +$936 | $2,324 |
Great Falls, 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 | $1,332 |
| Active Disabling Device | $1,332 |
| Tracking Device | $1,305 |
| Passive Disabling Device | $1,291 |
Latest Auto Insurance Reviews in Great Falls, MT | Back to Top
State FarmMy premium and deductible is about the norm I imagine. I have a $250 deductible on my policy and I feel that is fine. I don't have a problem covering anything up to $250.
State Farmi will surely recommend this company for car insurance, their service is great and outstanding, am happy i chose this car insurance.
Farmer's InsuranceFarmer's Insurance coverage is better than most other companies. The coverage is great, the prices are low and their customer service is outstanding.
AllstateI believe Allstate's offerings are in line with other companies, but price is not. We will probably be shopping for a better policy for same coverage.
ProgressiveThe premiums are in my opinion a little high considering my good driving record, length of time driving, type of car I have etc. I would expect them to go do over time however.
Allstatethe premium that i get at all state is flexible which means that they would find a premium that is affordable but also will fit your needs
Farmer's InsuranceI most like the fact that they gave us the same coverage that we had been paying for for years at almost half the cost. I have not had to file a claim yet, so the jury is still out on that. But working with an independent agent has made everything very seamless and easy. So far I am happy with the insurer and the agent.
ProgressiveI think my premium is good compared to other companies. I don't actively look around so I am just assuming.
State FarmAlthough I never go there it is nice having a local agent in case I ever needed to discuss my insurance options