3 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier
When choosing Butte insurance, it is important to consider the advantages of working with a broker or agent. Here are three reasons why a Montana resident may want to use a broker/agent instead of going directly to an insurance carrier:
Access to Multiple Carriers: A Butte broker/agent can offer access to multiple carriers that may not be available if you choose to go directly to an individual carrier. This means Montana residents have more options and can find the best policy for their needs at the most competitive rate.
Professional Advice: Montana brokers/agents are knowledgeable and experienced professionals who can provide sound advice on which type of coverage is right for you as well as how much coverage you need in order to protect your assets.
Claim Assistance: Butte brokers/agents can help you navigate the claims process and represent your best interests with the carrier to ensure a fair outcome for any claim you may face. In addition, they can provide guidance on how to submit or appeal a claim if necessary.
3 Reasons Insurance Companies Declare Vehicles Totaled in Montana
Montana has a diverse landscape and the weather can change quickly. This, along with Montana's wide range of road conditions and driving environments, can mean that cars in Montana are more likely to be totaled than those in other states. Insurance companies declare vehicles totaled for a variety of reasons, and these three are most common in Montana:
The Cost of Repairs Exceeds the Vehicle Value: When body shop estimates for repairs exceed the value of the vehicle, it is usually declared “totaled” by insurance companies because it would be too costly to repair.
Severe Accidents or Damage: If a car is involved in an accident or severe weather event and has significant damage to the frame, engine, or other major parts, it is usually declared totaled.
Theft or Fire: Montana is known for its wide-open spaces, making it more susceptible to theft and fires. If a car is stolen or destroyed by fire, it will usually be declared totaled by insurance companies.
3 Things to Know Before Going to an Auto Body Shop in Montana
When it comes to finding reliable auto body shops in Butte, there are a few things you should know. Montana is known for its rugged terrain and can cause damage to the exterior of your vehicle. Here are 3 important factors to consider before choosing an auto body shop in Montana:
Services Offered - Make sure that the shop you're considering offers all of the services you require. Some Butte auto body shops specialize only in certain types of repairs and might not be able to complete more complex jobs. It's also important to find out if additional services such as paintless dent repair or automotive detailing are available.
Insurance-Friendliness - Before setting up an appointment, make sure the Montana auto body shop you've chosen accepts your insurance coverage. Ask whether they are an in-network or out-of-network provider if the shop is part of an auto body repair chain that has multiple locations.
Reputation - Butte auto body shops should provide customers with honest and reliable service. Check for customer reviews online to get a better idea of their reputation, as well as any certifications or awards they may have received from professional organizations.
3600 Harrison Ave # A, Butte, MT 59701, United States
Butori Collision Center
1811 4 Mile, Butte, MT 59701, United States
Snyder's Body Shop
612 Hobson Ave, Butte, MT 59701, United States
Mining City Auto Restoration
103 N Parkmont, Butte, MT 59701, United States
No website found
3 Steps of Insurance Claims Process After an Accident in Montana
If you've been in an auto accident in Butte, it's important to understand the insurance claims process and the steps you should take after a crash. Here are three key steps to follow when filing an insurance claim in Montana:
Report the Accident - Montana requires individuals involved in a motor vehicle crash to report the incident within 10 days of occurrence if damage exceeds $1,000 or if anyone is injured. This can be done through Montana's Motor Vehicle Crash Operator Report form that must be mailed or delivered to your county sheriff's office, Montana Highway Patrol station, or local police department. It's also important to exchange information with any other drivers/vehicles involved and make sure to get the contact information of any witnesses.
File an Insurance Claim - Once you've completed Montana's Motor Vehicle Crash Operator Report form, it's time to file an insurance claim. Depending on your policy and situation, this can be done either online or over the phone with your insurance provider. Make sure to include all relevant information such as the details of the accident and any photos or documents that support your claim.
Follow Up - After filing a claim, it is important to follow up with your insurance company periodically to ensure everything is being processed correctly and in a timely manner. Doing so will help avoid potential problems down the road and keep you informed about where you stand throughout the entire insurance claims process.
10 Best Trucks to Drive in Montana
Montana is known for its wide-open spaces and rugged terrain, making it an ideal place to drive a truck. From full-sized trucks designed for heavy hauling to smaller pick-ups perfect for navigating the back roads, Butte has some of the best trucks available. Here are ten of the best trucks to drive in Montana:
Ford F-150: The Ford F-150 is one of the most popular trucks in Montana and throughout the country. It's powerful engine, impressive payload capacity, and versatile interior make it a great choice for tackling all kinds of terrain.
Chevrolet Silverado 1500: The Chevrolet Silverado 1500 offers a comfortable ride with plenty of power under the hood and roomy interior that can hold up to six passengers. It also has plenty of modern amenities such as heated seats, a rearview camera, and advanced safety features.
Ram 1500: The Ram 1500 offers superior performance in Montana's rugged terrain with its powerful engine and impressive payload capacity. It also provides excellent fuel economy and comes with available luxury features like leather seating and an 8-inch touchscreen infotainment system.
Toyota Tacoma: The Toyota Tacoma is perfect for Montana's rough roads thanks to its high ground clearance, superior off-road capabilities, and rugged exterior styling. Its V6 engine gives it plenty of power while still providing good fuel efficiency.
GMC Sierra 1500: The GMC Sierra 1500 is a great all-around pick for Montana, with its powerful engine and comfortable ride. It also has plenty of modern tech features like a rearview camera, Apple CarPlay compatibility, and an 8-inch touchscreen.
Nissan Frontier: The Nissan Frontier offers a roomy interior with seating for up to five passengers, plus plenty of cargo space in the bed. Its reliable V6 engine provides ample power while still getting good gas mileage.
Jeep Gladiator: For Montana's more demanding terrain, the Jeep Gladiator is a perfect choice. It has rugged off-road features such as heavy-duty skid plates and upgraded suspension. It also comes with advanced safety features like forward-collision warning and adaptive cruise control.
Honda Ridgeline: The Honda Ridgeline is a great choice for Montana's terrain, with its powerful engine and comfortable interior. It also has plenty of modern tech features like Apple CarPlay compatibility, a rearview camera, and lane-departure warning technology.
GMC Canyon: The GMC Canyon is perfect for Montana's off-road trails thanks to its impressive ground clearance and rugged exterior styling. It also has plenty of power under the hood, plus modern amenities such as heated seats and keyless entry.
Ford Ranger: The Ford Ranger offers an excellent combination of performance and style in Montana's rugged terrain. Its 2.3L EcoBoost engine provides plenty of power with good fuel economy, and its tech features include a rearview camera, Apple CarPlay compatibility, and lane-departure warning.
10 Best AWD Cars to Drive in Montana
Montana is a beautiful state with vast landscapes and plenty of outdoor activities to keep you entertained. From the majestic Rocky Mountains in the west to the rolling plains in the east, Montana has something for everyone. But if you want to truly experience Montana's terrain, then an all-wheel drive (AWD) vehicle is the way to go. An AWD car will provide maximum traction and power while driving on Montana's rugged roads, making your journey more enjoyable and safer. Here are some of our top picks for AWD cars that are perfect for Montana:
Subaru Outback - This SUV offers great fuel efficiency, comfortable seating and plenty of cargo space. The Outback provides excellent grip on slippery roads thanks to its symmetrical all-wheel drive system.
Audi Q5 - This luxury crossover is a great choice for Montana roads thanks to its quattro all-wheel drive system and athletic performance. The Q5 also offers ample cargo space, beautiful styling and plenty of high-tech features.
Honda CR-V - This fuel-efficient SUV provides excellent handling in Montana's varied terrain due to its Real Time AWD with Intelligent Control System™. It also offers plenty of interior room, making it an ideal family vehicle.
Chevrolet Equinox - This stylish option has an available all-wheel drive system that delivers maximum traction on Montana's slick roads, plus a bevy of tech features.
Ford Explorer - This midsize SUV comes with an available Intelligent 4WD System that gives you superior handling and control on Montana's rugged roads. It also offers plenty of cargo space and comfortable seating for up to seven passengers.
Jeep Grand Cherokee - If you're looking for off-road capability and sporty performance, then the Grand Cherokee is the perfect pick. Its Quadra-Trac II active four-wheel drive system provides great traction in Montana's varied terrain.
Toyota RAV4 - This compact crossover delivers excellent fuel economy plus a smooth ride thanks to its Dynamic Torque Vectoring AWD system. The RAV4 also has plenty of cargo space, making it a great choice for Montana's long road trips.
Nissan Rogue - Its available all-wheel drive system offers superior control in Montana's slippery conditions, while its interior is both spacious and comfortable. It also has plenty of advanced safety features that make it an ideal family car.
Volkswagen Tiguan - This crossover comes with an available 4Motion AWD system that provides maximum traction on Montana's slick roads. It also offers ample cargo space, comfortable seating for up to seven passengers and a bevy of tech features.
Mazda CX-5 - The CX-5 delivers excellent fuel efficiency plus supreme agility thanks to its available i-ACTIV AWD system. It also offers plenty of interior room, making it a great choice for Montana families.
4 Benefits of Adding Teenagers to Your Auto Insurance Plan in Montana
If you're a parent or guardian of a Butte teen getting ready to hit the road, you'll want to consider adding them to your auto insurance plan. While this may come with an additional cost, there are several advantages and benefits that come along with it.
Lower Premiums: Adding teens to your Montana auto insurance plan can result in lower premiums for all drivers on the policy. This is because insurers look at a variety of factors when deciding how much to charge, such as age and driving experience. Teens are typically considered inexperienced drivers which could result in lower premiums for everyone covered by the policy.
Coverage for Young Drivers: Montana has strict laws about young drivers and auto insurance. Adding your teen to your policy ensures that they have the coverage they need when driving a vehicle in Butte Montana.
Responsible Driving Habits: Teens who are added to their parents' or guardians' auto insurance plan are more likely to practice responsible driving habits. This is because premiums will likely increase if the teen gets into an accident or receives a ticket for speeding or other traffic violations.
Financial Protection: By adding teens to your Butte auto insurance policy, you can ensure that all drivers on the policy, including yourself and your teen, are covered if there's an accident or incident of some kind. This could provide financial peace of mind and protection from potentially high costs associated with an accident.
Cost of Car Insurance in 5 Different Age Groups in Montana
No matter what age you are, Butte drivers need to make sure they have adequate car insurance coverage. Car insurance rates in Montana can vary based on the age of the driver, and here's a look at how much car insurance costs for Montana drivers in 5 different age groups:
Ages 20-24: Montana drivers in this age group pay an average of $2,682 per year for car insurance.
Ages 25-29: Montana drivers in this age group pay an average of $1,871 per year for car insurance.
Ages 30-39: Montana drivers in this age group pay an average of $1,616 per year for car insurance.
Ages 40-49: Montana drivers in this age group pay an average of $1,563 per year for car insurance.
Ages 50+: Montana drivers over the age of 50 pay an average of $1,442 per year for car insurance.
No matter what age you are, Montana law requires that all drivers carry at least the minimum amount of liability coverage before they can legally operate a vehicle. By understanding how much car insurance costs in Butte and enrolling in a policy that meets your needs, you can make sure you are protected while on the road.
5 Driving Violations That Require High Risk Insurance in Montana
Montana has some of the strictest driving laws in the United States, and certain violations can result in high-risk insurance. Below, we've listed five of Montana's most serious driving violations that require high risk insurance:
Driving Under the Influence (DUI): Montana takes DUI seriously, and a first-time offense could result in up to six months' imprisonment as well as up to $2,000 in fines. Montana also requires anyone convicted of DUI to obtain an SR-22 certificate, which is a form of high-risk insurance.
Reckless Endangerment: Montana law considers reckless endangerment to be any act done with disregard for human life or safety. Montana's maximum penalty for reckless endangerment is up to one year in prison and/or a $1,000 fine. Montana law also requires anyone convicted of reckless endangerment to obtain an SR-22 certificate.
Aggressive Driving: Montana considers aggressive driving to be any action that endangers life or property while operating a vehicle. Montana laws can punish this offense with fines of up to $500, jail time, license suspension, and the requirement for high risk insurance coverage.
Excessive Speeding: Excessive speeding in Montana is defined as going at least 35 miles per hour over the speed limit on highways or 10 miles per hour over the speed limit in an urban area. Montana requires Butte drivers convicted of excessive speeding to obtain an SR-22 certificate.
Hit and Run: Montana law considers hit and run to be any act involving leaving the scene of an accident without exchanging information or reporting it to law enforcement. Montana's maximum penalty for this violation includes up to five years in prison and/or a $500 fine, in addition to the requirement of obtaining high risk insurance coverage.
Top 8 Car Insurance Companies by Least to Most Expensive in Montana
Butte MT drivers have several car insurance companies to choose from. Here is a list of eight car insurance companies in Montana ranked from least to most expensive:
USAA - USAA offers some of the lowest rates for Montana drivers. They specialize in offering coverage for military personnel and their family members, but they also serve civilian customers.
Montana State Fund - Montana State Fund provides competitively priced auto insurance policies with specialized coverage options to fit your needs.
Nationwide - Nationwide offers Butte drivers a range of discounts and rewards programs, as well as bundling options to help you save money on your policy rates.
Allstate - Allstate has a wide variety of customizable plans that are tailored to Montana drivers' individual needs. These plans may include discounts for good driving, multiple policy holders, and more.
Farmers - Farmers offers Butte residents specialty coverage options such as rideshare driver insurance, classic car insurance, and accident forgiveness.
Geico - Geico provides Montana drivers with competitive rates and a variety of additional benefits such as 24/7 customer service, roadside assistance, and online account management tools.
Progressive - Butte drivers can save up to 20% on their car insurance with Progressive's Snapshot program that rewards safe driving with discounts over time.
State Farm - State Farm has been providing Montana drivers with quality auto insurance coverage since 1922 and continues to offer competitive rates and customizable plans.
7 Different Auto Insurance Discounts in Montana
Auto insurance in Butte Montana can be expensive, but there are several discounts that you can take advantage of to help reduce your premiums. Below are seven different auto insurance discounts available in Montana:
Good Driver Discount - Montana law requires drivers under the age of 25 to complete a defensive driving course before they can receive this discount, which rewards those with a clean driving record over three years or more.
Multi-Car Discount - Montana households with multiple cars on one policy may be eligible for a multi-car discount by grouping all their vehicles together on one policy.
Low Mileage Discount - Drivers who put less miles on their car each year automatically qualify for this discount as they pose a lower risk of an accident.
Anti-Theft Discount - Montana drivers can save on their insurance premium if they have a car that has an anti-theft device installed such as a tracking system or immobilizer.
Loyalty Discount - Butte customers who stay with the same auto insurance company for more than five years may be eligible for a loyalty discount.
Safety Course Discount - Butte residents may qualify for this discount by completing a defensive driving course, which educates them about safe driving techniques and reduces their risk of getting into an accident.
Good Student Discount - Montana high school and college students who maintain good grades (3.0 GPA or higher) may qualify to receive a discount on their auto insurance policy.
By taking advantage of these Butte auto insurance discounts, drivers can save money on their premiums and keep themselves safe while driving. Montana is a great place to live and drive, so make sure you take the time to familiarize yourself with the available discounts and find one that fits your needs!
4 Auto Theft Statistics in Montana
Montana is known for its wide-open spaces, beautiful mountain ranges and unique wildlife. However, Montana also has a high rate of auto theft. Here are four statistics to help you understand the severity of the problem:
Montana had 1,124 reported motor vehicle thefts in 2019 - an increase of 10% compared to 2018.
Montana ranks 5th in the nation for auto theft rates per capita with 154 incidents per 100,000 people.
Billings, Montana's largest city, leads the state in motor vehicle thefts with 275 reported incidents in 2019 (an increase of 32% from 2018).
On average it takes ten days for a stolen vehicle to be recovered in Montana.
These auto theft statistics are a reminder that Butte residents need to take extra care to keep their vehicles safe and secure. By following simple vehicle security measures, such as locking your car doors and parking in well-lit areas, you can help reduce the chances of becoming an auto theft victim. Additionally, it's important to stay informed about the latest Montana auto theft trends so you can adjust your safety strategies accordingly.
4 Benefits of Traffic School or Defensive Driving Classes in Montana
Montana offers both traffic school and defensive driving classes that can help drivers to become better-informed, safer drivers. These courses are a great way for Butte residents to learn more about the laws and regulations of Montana roads while also brushing up on their driving skills. Here are four benefits of taking traffic school or defensive driving classes in Montana:
Increased knowledge of Montana's Rules of the Road - Traffic school or defensive driving classes provide Butte drivers with information on how to be a safe driver according to state law. Drivers will learn about speed limits, passing rules, right-of-way laws, and other important safety topics pertinent to Montana roads.
Updated Defensive Driving Tactics - Through participation in a Montana traffic school or defensive driving class, drivers will gain an understanding of how to be a more defensive driver. With the right knowledge and skillset, Butte drivers can feel more confident while behind the wheel.
Reduction of Insurance Costs - Montana insurance companies may offer discounted rates for those completing a traffic school or defensive driving course in Montana. Check with your insurance provider to learn more about potential savings on your policy.
Avoidance of Points on Driver's License -Montana drivers that take part in a defensive driving class may be able to have certain infractions removed from their record and avoid points being added to their license. Additionally, Butte residents that participate in traffic school or defensive driving courses are less likely to receive other traffic-related violations in the future.
Taking traffic school or defensive driving classes in Montana is an excellent way to become a safer, more informed driver on Montana roads. Not only can these courses help Butte drivers to refresh their knowledge of state laws and regulations, but they may also result in reduced insurance costs and fewer points added to one's license. Consider enrolling in a Montana traffic school or defensive driving class today to benefit your driving skills and overall experience behind the wheel.
4 Motorcycle Insurance Facts in Montana
Montana is a great place to ride your motorcycle, but it's important to make sure you have the right insurance coverage in place when you hit the roads. Here are four facts about Montana motorcycle insurance that every rider should know:
Montana requires all motorcyclists to carry minimum liability coverage of at least $25,000 per person and $50,000 per accident. This type of coverage pays for any damages caused by an at-fault accident up to those limits.
Montana also requires uninsured/underinsured motorist coverage, which pays for medical expenses if you're injured in an accident caused by someone without adequate insurance or who is completely uninsured. The minimum amount of coverage required is $25,000 per person and $50,000 per accident.
Montana law also requires motorcyclists to carry personal injury protection coverage with a minimum of $2,500 per person. This type of coverage helps pay for medical expenses related to an accident up to the limits you select.
Montana motorcycle insurance rates are based on a variety of factors including your age, driving history, type of bike you ride and more. Shopping around can help you find the best rate for the coverage you need so you can stay safe and legal while riding in Montana.
15 Interesting Driving Statistics in Montana
Montana is a beautiful state with breathtaking scenery, making it a great place to explore on the road. Here are 15 interesting driving statistics in Montana that you should know:
Montana had the lowest number of fatal crashes in 2019 compared to any other state in the nation, recording just 92 deaths from motor vehicle accidents.
Montana has 437 miles of interstate highways and 5162 miles of non-interstate highways and roads across the state.
Montana's average commute time is 18 minutes, which is one of the shortest in the country.
Montana ranks 10th overall for highway safety according to WalletHub's 2020 report with an overall score of 66.12 out of 100.
Montana drivers experience an average of 0.1 fatalities per 100 million vehicle miles traveled, which is the lowest rate in the entire nation.
Montana has the 4th highest driving rate in the nation with 85% of adults being licensed drivers.
Montana has a seat belt use rate of 85%, one of the highest rates in the country.
Montana ranked 32nd for DUI arrests according to a WalletHub 2020 report with an overall score of 40.76 out of 100 points.
Montana's drunk driving fatality rate stands at 28% and is slightly higher than the national average of 26%.
Montana's uninsured motorist rate is 13.3%, which is lower than the national average of 13.9%.
Montana has the 6th highest number of uninsured drivers in the country, with an estimated 155,000 motorists not carrying auto insurance.
Montana's motor vehicle theft rate stands at 2.06 per 1,000 people and is well below the national average of 3.7 per 1,000 people.
Montana has some of the most lenient distracted driving laws in the nation and does not have any specific ban on texting or using handheld devices while driving for all ages except for school bus drivers who are prohibited from using their cell phones while operating a vehicle with children onboard.
Montana requires all drivers to have liability insurance with a minimum coverage of 25/50/10.
Montana has the 2nd lowest rate of traffic fatalities involving drivers and passengers ages 16-20 in the country, according to a 2018 report from the Insurance Institute for Highway Safety (IIHS).
What is the average car insurance rate in Butte Montana?
The average rate for Butte is $1,363. Look for discounts to make this even more affordable.
What is the minimum coverage required in Butte MT?
In Butte Montana, your policy must have at least $25,000 of coverage for injuries per person, up to a total of $50,000 per accident, and $10,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in Butte MT?
Average cost for two vehicles in Butte is $3,517. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in Butte MT?
To get low cost car insurance in Butte, MT, simply fill out the form above and compare quotes then pick the best one.