West End, MT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in West End, 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.
Average Cost of Car Insurance in West End, MT
Car insurance is a necessity for drivers in West End, MT, as accidents can happen at any time, and it's crucial to have coverage that can help pay for damages or medical expenses. With a wide range of car insurance options available, it's important to find the right one that suits the driver's needs. The average cost of car insurance in West End, MT, is $1383. Still, there are various factors to consider when searching for affordable coverage, including evaluating costs and promotions, ensuring the plan meets the driver's requirements and confirming that the insurance provider offers the necessary coverage at a reasonable cost. Zimlon has explored some of the factors that may influence auto insurance rates in West End, MT.
Age of the Driver
The driver's age is another crucial factor impacting West End, MT, auto insurance rates. Young drivers, typically those under 25, are considered riskier to insure than older, more experienced drivers. This higher risk is due to various factors, including less driving experience, more likelihood of engaging in risky driving behaviours, and statistically higher accident rates. As a result, auto insurance rates for young drivers in West End, MT, can be significantly higher than those for older drivers. However, drivers over 65 may also see an increase in their insurance rates as they are more likely to experience health issues that could affect their driving abilities. For example, teenagers in West End, MT, spend $4488 for auto insurance, whereas older drivers in the same city who are 40 years of age pay $1,317.
Driving Violations
In West End, MT, driving violations can significantly impact auto insurance rates. Insurance providers use driving records to assess a driver's risk of filing a claim, and the more violations or accidents on record, the higher the risk. This higher risk typically translates into higher insurance rates. For example, a driver with multiple speeding tickets, DUIs, or accidents on their record can expect to pay more for car insurance than a driver with a clean record. In some cases, insurance providers may even refuse to offer coverage to drivers with a history of serious violations or accidents, for example, in West End, MT, where drivers who commit specific violations will have to pay more for their auto insurance. Running a red light or driving with a suspended license can increase the overall cost of insurance coverage by $322 and $932, respectively.
Credit History
In addition to driving violations and age, credit history is another factor impacting West End, MT, auto insurance rates. Insurance providers use credit scores as a way to assess a driver's financial responsibility and their likelihood of filing a claim. A driver with a poor credit score may be seen as more of a risk and can expect to pay higher insurance rates compared to someone with a good credit score. Insurance companies believe that those with poor credit scores are more likely to file a claim or commit insurance fraud. For instance, in West End, Montana, people with excellent credit must pay $1354, and those with poor credit must pay $2256.
Factors that can influence the cost of car insurance in West End, 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.
- West End, MT Auto Insurance Rates
- West End, MT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in West End, MT
- Multi Vehicle Insurance Savings in West End, MT
- How Credit Score Affects Car Insurance Rates in West End, MT
- How DUI Affects Auto Insurance Premiums in West End, MT
- Top Auto Insurance Agents Near West End, MT
- How Driving Violations Affect Auto Insurance Rates in West End, MT
- West End, MT Auto Insurance Discounts on Anti Theft Feature
West End, MT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in West End, MT with that of other cities in and around West End.
| West End | St. Regis | Thompson Falls | Mineral County | De Borgia | Weeksville | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,383 | $1,378 | $1,362 | $1,382 | $2,268 | $2,250 |
West End, 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 West End, 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) |
|---|---|---|
| West End | $1,540 | $1,301 |
| De Borgia | $2,336 | $1,973 |
| St. Regis | $1,318 | $1,114 |
| Thompson Falls | $1,085 | $916 |
| Mineral County | $2,878 | $2,431 |
| Weeksville | $2,318 | $1,958 |
West End, MT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in West End, 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 | $4,488 |
| 20 Years | $1,777 |
| 30 Years | $1,369 |
| 40 Years | $1,317 |
| 50 Years | $1,220 |
| 60 Years | $1,236 |
| 70 Years | $1,439 |
West End, MT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in West End, 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 | $2,351 | $415 |
| 3 Vehicles | $3,527 | $622 |
| 4 Vehicles | $4,702 | $830 |
Savings on 2 Vehicles bundle:$415
Savings on 3 Vehicles bundle:$622
Savings on 4 Vehicles bundle:$830
West End, 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 West End, MT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| West End | $1,383 | $2,311 |
| De Borgia | $2,268 | $3,790 |
| St. Regis | $1,378 | $2,303 |
| Thompson Falls | $1,362 | $2,276 |
| Mineral County | $1,382 | $2,309 |
| Weeksville | $2,250 | $3,760 |
West End, 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) | $1,187 |
| Excellent (740-799) | $1,354 |
| Good (670-739) | $1,441 |
| Average (580-669) | $1,880 |
| Poor (300-579) | $2,256 |
West End, 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 |
|---|---|---|---|
| House Of Insurance-Thompson Falls | Travelers | 223 MAIN ST, THOMPSON FALLS, 59873 | 406-827-3221 |
| Montana Ctrl Ins Agy | Allstate | 304 Spruce, Superior, 59872 | (406) 822-4044 |
West End, 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 | $1,444 |
| Driver's Failure In Showing Documents | +$134 | $1,517 |
| Driving With An Expired Registration | +$142 | $1,525 |
| Driving At A Considerably Slow Pace | +$300 | $1,683 |
| Using A Cellphone While Driving | +$317 | $1,700 |
| Running A Red Light | +$322 | $1,705 |
| Speeding | +$339 | $1,722 |
| Driving A Vehicle Without The Required Permission | +$430 | $1,813 |
| Driving With An Expired/Suspended License | +$932 | $2,315 |
West End, 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 | $1,328 |
| Active Disabling Device | $1,328 |
| Tracking Device | $1,300 |
| Passive Disabling Device | $1,286 |