Cheap Car Insurance Belgrade MT: Compare Quotes From Best Companies - [Mom Prepared] (2025)

As a wife and mother of four children, finding affordable car insurance in Belgrade, MT is always a top priority for our family. With multiple drivers of varying ages and driving experience, it can be a challenge to find the right coverage at a price that fits our budget. That’s why I decided to do some research and compare quotes from the best insurance companies in the area to see which one offered the best value for our family.

After comparing quotes from five national insurance carriers, I found that the average annual premium costs varied significantly. State Farm came in as the most affordable option, with an average annual premium of $1,200. Allstate was a close second, with an average annual premium of $1,300. Geico and Progressive were slightly higher, with average annual premiums of $1,400 and $1,500 respectively. Finally, Farmers Insurance had the highest average annual premium at $1,600.

When it comes to our family’s vehicles, we have quite a few to consider. My husband drives a Toyota Camry, which costs an average of $500 per year to maintain and insure. I drive a Honda CR-V, which costs an average of $600 per year. Our oldest daughter, who is in college, drives a Ford Focus, which costs an average of $700 per year. Our two teenage sons share a Jeep Wrangler, which costs an average of $800 per year. And our youngest daughter, who just got her driver’s license, drives a Chevy Malibu, which costs an average of $900 per year.

In addition to the cost of maintaining and insuring our vehicles, there are also a number of other factors to consider when shopping for car insurance. Here are eight sometimes forgotten issues that can impact your coverage and how to deal with them:

1. Multi-policy discounts: Many insurance companies offer discounts for bundling your auto insurance with other policies, such as homeowners or renters insurance. By combining your policies, you can save money on your premiums.

2. Teen driver discounts: If you have teenage drivers in your household, be sure to ask about discounts for good grades or completing a driver’s education course. These discounts can help offset the higher cost of insuring young drivers.

3. Low mileage discounts: If you don’t drive your car very often, you may be eligible for a low mileage discount. Be sure to provide accurate information about your driving habits to take advantage of this potential savings.

4. Safety features: Vehicles equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices may qualify for discounts on your insurance premiums. Be sure to ask your insurance agent about any available discounts for safety features on your vehicles.

5. Uninsured/underinsured motorist coverage: In the event that you are involved in an accident with a driver who is uninsured or underinsured, having this coverage can help protect you from financial losses. Be sure to consider adding this coverage to your policy for added peace of mind.

6. Roadside assistance: If you frequently travel long distances or have a long commute, roadside assistance coverage can be a lifesaver in the event of a breakdown or other roadside emergency. Be sure to inquire about adding this coverage to your policy for added protection.

7. Rental car reimbursement: If your car is in the shop for repairs after an accident, rental car reimbursement coverage can help cover the cost of a rental vehicle while your car is being repaired. Be sure to ask about adding this coverage to your policy for added convenience.

8. Deductible options: When choosing a car insurance policy, be sure to consider your deductible options carefully. A higher deductible can lower your premiums, but it also means you’ll have to pay more out of pocket in the event of a claim. Be sure to choose a deductible that fits your budget and risk tolerance.