- MOTORCYCLE INSURANCE MONTANA: LAWS YOU NEED TO KNOW
- MOTORCYCLE INSURANCE MONTANA: MOTORCYCLE SAFETY TIPS
- MOTORCYCLE INSURANCE MONTANA: STATE REQUIREMENTS
- Available discount for Motorcycle Insurance Montana
- MOTORCYCLE INSURANCE MONTANA: TIPS AND TRICKS SHEET
- WHICH COMPANIES OFFER MOTORCYCLE INSURANCE?
- Motorcycle Insurance Montana's Cheapest Insurance Companies by City
- MOTORCYCLE INSURANCE MONTANA: HOW TO GET A MOTORCYCLE LICENSE
- BEST FULL COVERAGE RATES FOR MOTORCYCLE INSURANCE MONTANA
- RATING FACTORS FOR MOTORCYCLE INSURANCE
- MOTORCYCLE INSURANCE MONTANA: FAQS
- What Is Motorcycle Insurance in Montana?
- How Much Does Motorcycle Insurance Cost in Montana?
- What Factors Affect Motorcycle Insurance Rates in Montana?
- How to Get a Free Quote [Motorcycle Insurance Montana]
- What We Do at A Plus Insurance
- Additional Helpful Links
- Edit Article Information
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MOTORCYCLE INSURANCE MONTANA: LAWS YOU NEED TO KNOW
In Montana, motorcycle insurance is not just a good idea; it’s the law. All riders must carry liability insurance with minimum coverage limits of $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage. These laws ensure that if you’re involved in an accident, you have the financial protection needed to cover damages and injuries.
When looking for motorcycle insurance in Montana, it’s essential to compare rates from multiple providers, including Progressive, Dairyland, and National General, to find the best policy for your needs. For those seeking comprehensive protection, full coverage is recommended, while liability only can be a more affordable option. Here’s a comparison of estimated monthly premiums:
| Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Progressive | $25 | $75 |
Key Points:
- Minimum liability coverage: $25,000 per person, $50,000 per accident, $20,000 for property damage.
- Compare quotes to find the best rates.
- Full coverage vs. liability only.
Understanding these requirements and options will help you make informed decisions about your motorcycle insurance in Montana.
MOTORCYCLE INSURANCE MONTANA: MOTORCYCLE SAFETY TIPS
Riding safely is essential to enjoying your motorcycle adventures in Montana. To enhance your safety on the road, always wear appropriate protective gear, including a helmet, gloves, and a durable jacket. Regularly inspect your motorcycle for any maintenance needs, such as checking tire pressure and ensuring lights and brakes are functioning properly.
When considering motorcycle insurance in Montana, it’s beneficial to understand the impact of safety measures on your insurance rates. Insurers like Progressive often offer discounts for completing a motorcycle safety course or maintaining a clean driving record. Here’s a look at the estimated monthly premiums from Progressive for different levels of coverage:
| Coverage Type | Monthly Premium |
|---|---|
| Liability Only | $25 |
| Full Coverage | $75 |
Quick Safety Tips:
- Always wear protective gear.
- Regularly maintain your motorcycle.
- Consider taking a motorcycle safety course.
- Keep a clean driving record.
By following these safety tips, you can enjoy a safer ride and potentially lower your premiums for motorcycle insurance in Montana.
MOTORCYCLE INSURANCE MONTANA: STATE REQUIREMENTS
To legally ride in Montana, motorcycle insurance is mandatory. The state requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. This ensures that in the event of an accident, you are financially protected against damages and injuries you may cause to others.
When searching for motorcycle insurance in Montana, it’s crucial to compare rates from various providers to find the best coverage. Progressive, Dairyland, and National General are some of the top carriers offering competitive rates. Below is a comparison of estimated monthly premiums across different cities in Montana to give you a clearer idea of what to expect:
| City | Liability Only | Full Coverage |
|---|---|---|
| Billings | $25 | $75 |
| Missoula | $26 | $76 |
| Great Falls | $24 | $74 |
| Bozeman | $27 | $77 |
| Butte | $25 | $75 |
| Helena | $26 | $76 |
| Kalispell | $28 | $78 |
| Havre | $25 | $75 |
| Anaconda | $26 | $76 |
| Miles City | $24 | $74 |
| Lewistown | $27 | $77 |
| Livingston | $25 | $75 |
| Laurel | $26 | $76 |
| Whitefish | $28 | $78 |
| Polson | $25 | $75 |
| Glendive | $24 | $74 |
| Sidney | $27 | $77 |
| Dillon | $25 | $75 |
| Libby | $26 | $76 |
| Glasgow | $24 | $74 |
Key Points:
- Minimum liability coverage: $25,000 for bodily injury per person, $50,000 per accident, $20,000 for property damage.
- Compare quotes to find the best rates.
- Coverage options vary by city.
Understanding these state requirements will help you secure the appropriate motorcycle insurance in Montana to meet legal standards and protect yourself on the road.
Available discount for Motorcycle Insurance Montana
When it comes to motorcycle insurance in Montana, there are several discounts available that can significantly reduce your premiums. Many insurance companies, including Progressive, Dairyland, and The General, offer savings for riders who complete safety courses, bundle policies, or maintain a clean driving record. Additionally, you can take advantage of multi-policy discounts if you have both auto and motorcycle insurance with the same provider.
It’s important to shop around and compare rates to ensure you get the best deal. Below is a comparison table illustrating potential savings with different providers for motorcycle insurance in Montana:
| Insurance Company | Annual Premium | Discount Opportunities |
|---|---|---|
| Progressive | $500 | Safety course, multi-policy, clean record |
| Dairyland | $520 | Safety course, homeowner’s, military |
| The General | $530 | Multi-policy, safe driver, full coverage |
To maximize your savings, consider these tips:
- Complete a motorcycle safety course to qualify for additional discounts.
- Bundle your motorcycle insurance with other policies, such as auto or home insurance.
- Maintain a clean driving record to keep your premiums low and access more discount options.
By taking advantage of these discounts, you can find affordable and comprehensive motorcycle insurance in Montana that suits your needs.
[Motorcycle Insurance Montana] Insurance Discounts
Maximizing auto insurance savings is crucial. Top discounts include Safe Driver, Multi-Policy, and Good Student benefits. Bundle Savings, Low Mileage, and Anti-Theft perks further enhance affordability.
MOTORCYCLE INSURANCE MONTANA: TIPS AND TRICKS SHEET
Finding the right motorcycle insurance in Montana doesn’t have to be complicated. Start by comparing rates from top providers like Progressive, Dairyland, and The General. Look for policies that offer the coverage you need at a price you can afford. Consider additional coverage options such as liability insurance, full coverage, and uninsured motorist protection to ensure you’re fully protected.
Here are some practical tips to help you save on your motorcycle insurance in Montana:
- Take a motorcycle safety course to qualify for discounts.
- Bundle your policies (auto, home, and motorcycle) for multi-policy discounts.
- Maintain a clean driving record to keep your premiums low.
Below is a comparison table to help you understand potential rates and discounts:
| Insurance Company | Annual Premium | Discount Opportunities |
|---|---|---|
| Progressive | $450 | Safety course, multi-policy, clean record |
| Dairyland | $475 | Safety course, military, homeowner’s |
| The General | $480 | Safe driver, multi-policy, full coverage |
By following these tips and comparing rates, you can find the most affordable and comprehensive motorcycle insurance in Montana.
WHICH COMPANIES OFFER MOTORCYCLE INSURANCE?
When you’re looking for the best motorcycle insurance Montana, you’ll find a variety of companies that offer comprehensive coverage. As an auto insurance brokerage, we partner with top providers like Progressive, Dairyland, and The General to give you a wide range of options. Each company offers unique benefits, discounts, and competitive rates to ensure you get the best deal. It’s important to compare their rates and coverages to find the right policy for your needs.
Here’s a comparison of monthly rates for some of our partners:
| Insurance Company | Coverage Type | Monthly Rate |
|---|---|---|
| Progressive | Full Coverage | $45 |
| Dairyland | Liability Only | $30 |
| The General | Full Coverage | $50 |
Benefits of Choosing Our Partner Companies
- Progressive: Offers comprehensive and collision coverage, plus multi-policy discounts.
- Dairyland: Known for affordable liability insurance and SR22 filings.
- The General: Provides flexible payment options and caters to high-risk drivers.
Choosing motorcycle insurance Montana with us means you get tailored guidance, resources, and the opportunity to compare quotes from multiple insurance companies, ensuring you find the best rates and coverage for your motorcycle.
Motorcycle Insurance Montana’s Cheapest Insurance Companies by City
Finding the best rates for motorcycle insurance Montana can vary significantly by city. Our brokerage partners with top companies like Progressive to offer you competitive rates tailored to your location. Whether you’re in Billings, Missoula, or Great Falls, comparing rates can help you secure affordable coverage. Here’s a look at some estimated monthly rates for Progressive in major cities across Montana and nearby states:
| City | State | Monthly Rate |
|---|---|---|
| Billings | Montana | $50 |
| Missoula | Montana | $45 |
| Great Falls | Montana | $48 |
| Boise | Idaho | $47 |
| Spokane | Washington | $49 |
| Cheyenne | Wyoming | $46 |
| Fargo | North Dakota | $50 |
Why Choose Progressive
- Extensive Coverage Options: Including full coverage and liability only.
- Multi-Policy Discounts: Save more by bundling your motorcycle insurance with other policies.
- Excellent Customer Service: Known for its responsive and helpful support.
Choosing motorcycle insurance Montana with our brokerage means you get personalized guidance and the ability to compare quotes from Progressive, ensuring you find the most affordable and comprehensive coverage for your motorcycle.
MOTORCYCLE INSURANCE MONTANA: HOW TO GET A MOTORCYCLE LICENSE
Getting your motorcycle license in Montana is a straightforward process, but it requires a few essential steps. First, you’ll need to pass a written knowledge test and a vision screening. Once you’ve passed these, you can obtain a learner’s permit, which allows you to practice riding under certain conditions. After gaining some experience, you can schedule a skills test to demonstrate your ability to handle a motorcycle safely.
Step-by-Step Guide to Getting Your Motorcycle License
| Step | Description | Link |
|---|---|---|
| 1. Pass the Written Test | Study the Montana Motorcycle Manual and take practice tests. | Montana Motorcycle Manual |
| 2. Vision Screening | Ensure your vision meets the state’s requirements. | Vision Requirements |
| 3. Obtain Learner’s Permit | Practice riding with certain restrictions. | Learner’s Permit Info |
| 4. Pass the Skills Test | Demonstrate your ability to ride safely. | Skills Test Info |
By following these steps and obtaining your motorcycle license, you’ll be ready to hit the road with confidence. Remember, having the right motorcycle insurance Montana is crucial for your safety and financial protection. As a brokerage, we offer personalized guidance and resources to help you find the best policy for your needs.
BEST FULL COVERAGE RATES FOR MOTORCYCLE INSURANCE MONTANA
Benefits of Full Coverage
- Comprehensive Protection: Covers a wide range of incidents, from accidents to theft.
- Financial Security: Helps with repair or replacement costs in case of damage.
- Peace of Mind: Knowing you’re fully protected while riding.
By choosing motorcycle insurance Montana with us, you get personalized guidance, the ability to compare quotes from multiple insurance companies, and access to the best rates and coverage options tailored to your needs.
Finding the best full coverage rates for motorcycle insurance Montana can help you save money while ensuring your bike is well-protected. As a brokerage, we partner with top insurance companies like Progressive to provide you with competitive rates and comprehensive coverage. Full coverage typically includes liability, collision, and comprehensive insurance, giving you peace of mind on the road. Here’s a look at the estimated monthly rates for full coverage in several popular Montana cities:
| City | Price |
|---|---|
| Dillon | $178 |
| Roundup | $203 |
| Fort Benton | $202 |
| Columbus | $221 |
| Helena | $208 |
| Hardin | $180 |
| Plentywood | $229 |
| Missoula | $186 |
| Forsyth | $196 |
| Bonner-West Riverside | $177 |
| Great Falls | $227 |
| Anaconda-Deer Lodge County | $220 |
| Havre | $190 |
| East Missoula | $223 |
| Crow Agency | $181 |
| Four Corners | $221 |
| Billings | $194 |
| Fort Belknap Agency | $184 |
| Baker | $204 |
| Malta | $211 |
| Eureka | $198 |
| Livingston | $200 |
| Red Lodge | $210 |
| Kalispell | $236 |
| Pablo | $196 |
| Glendive | $216 |
| Sidney | $193 |
| Townsend | $185 |
| South Browning | $204 |
| Bozeman | $177 |
| Seeley Lake | $235 |
| Helena Valley West Central | $219 |
| North Browning | $179 |
| Miles City | $236 |
| Three Forks | $187 |
| Lolo | $205 |
| Helena Valley Southeast | $223 |
| Conrad | $228 |
| Polson | $215 |
| Orchard Homes | $235 |
| Big Timber | $209 |
| Shelby | $239 |
| Sun Prairie | $197 |
| King Arthur Park | $222 |
| Big Sky and Cut Bank | $190 |
| Lakeside | $213 |
| Lame Deer | $197 |
| Belgrade | $181 |
| Helena Valley Northeast | $179 |
| West Glendive | $186 |
| Lockwood | $175 |
| Deer Lodge | $205 |
| Choteau | $188 |
| Malmstrom AFB | $211 |
| Manhattan | $206 |
| Helena Valley Northwest | $213 |
| Lewistown | $214 |
| Ronan | $216 |
| Clancy | $234 |
| East Helena | $229 |
| Colstrip | $215 |
| Whitefish | $230 |
| Bigfork | $228 |
| Libby | $196 |
| Glasgow | $232 |
On average, our customers will pay $20-30 a month for full coverage on a brand new bike.
RATING FACTORS FOR MOTORCYCLE INSURANCE
When shopping for motorcycle insurance Montana, several key factors influence your insurance rates. Insurance companies consider your age, riding experience, the type of motorcycle, and your driving history. For instance, younger riders or those with less experience often face higher premiums. Similarly, owning a high-performance bike can also increase your rates due to the higher risk associated with such vehicles.
To get the best motorcycle insurance Montana rates, it’s crucial to compare different policies. Below is a comparison of estimated monthly premiums from Progressive for various coverage levels.
| Coverage Type | Basic Coverage | Full Coverage |
|---|---|---|
| Progressive | $30 | $75 |
Key Factors Impacting Rates:
- Age: Younger riders typically pay more.
- Experience: More experienced riders usually get lower rates.
- Motorcycle Type: High-performance bikes cost more to insure.
- Driving History: Clean records can lead to discounts.
Comparing rates and understanding these factors can help you find the best policy to fit your needs and budget.
MOTORCYCLE INSURANCE MONTANA: FAQS
What Is Motorcycle Insurance in Montana?
Motorcycle insurance in Montana provides financial protection in case of accidents, theft, or damage involving your motorcycle. It typically includes liability coverage, collision coverage, and comprehensive coverage.
How Much Does Motorcycle Insurance Cost in Montana?
The cost of motorcycle insurance in Montana varies based on factors such as your age, riding experience, type of motorcycle, and driving history. On average, basic coverage might cost around $30 per month, while full coverage could be about $75 per month.
What Factors Affect Motorcycle Insurance Rates in Montana?
Several factors influence motorcycle insurance rates in Montana, including your age, riding experience, type of motorcycle, and driving history. Younger and less experienced riders typically face higher premiums, while high-performance motorcycles also tend to cost more to insure.
- Multi-Policy Discount: Bundling your home and auto insurance can save you money. Many insurance companies offer discounts when you combine multiple policies. Text Us to learn more.
- Safe Driver Discount: Maintaining a clean driving record with no recent accidents or violations could make you eligible for a safe driver discount on your auto insurance. Call us at 1.888.445.2793 to check your eligibility.
- Good Credit Score: A higher credit score can result in lower insurance premiums. Some insurance companies offer discounts based on your credit rating, making it important to keep your score in good standing. Text Us for more details.
- Claims-Free Discount: If you have not filed any claims in a certain period, you may qualify for a claims-free discount, which can reduce your monthly insurance rates. Call us at 1.888.445.2793 to check if you’re eligible.
- Home Safety Devices: Installing home safety features such as smoke detectors, burglar alarms, and sprinkler systems may make you eligible for discounts on your homeowners insurance. Text Us to learn more about safety-related discounts.
- Low Mileage Discount: Driving fewer miles each month can qualify you for a low mileage discount on your auto insurance, potentially lowering your rates. Call us at 1.888.445.2793 to see if this applies to your vehicle insurance.
- Military or Affiliation Discount: Many insurance companies offer discounts to military personnel, veterans, and members of certain organizations. Text Us to inquire about eligibility for this discount.
- New Home Discount: If your home was recently built or renovated, some insurance companies offer discounts for newer homes. Call us at 1.888.445.2793 for more information.
- Vehicle Safety Features: Vehicles with advanced safety features like anti-lock brakes, airbags, or anti-theft systems may qualify for discounts on auto insurance. Text Us to find out if your vehicle qualifies.
- Early Renewal Discount: Renewing your policy before the expiration date can sometimes earn you an early renewal discount, reducing your premium for the next policy term. Call us at 1.888.445.2793 for guidance.
How to Get a Free Quote [Motorcycle Insurance Montana]
01.
Contact Us
Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.
02.
Details
Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have
03.
Quote
We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.
04.
Decision
Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Additional Helpful Links
| Additional Montana Insurance |
|---|
| Auto Insurance Montana: Complete Guide |
| Montana Liability Insurance |
| Full Coverage Insurance in Montana |
| SR22 Insurance Montana: Complete Guide |
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- Explore motorcycle insurance options in Montana with South Insurance.
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Last Updated on by Marlon Moss