Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Montana Insurance Guide

Home to seven different Indian reservations, Montana is a culturally rich state with amazing views and rich food. For residents, the state’s insurance regulators are busy at work creating rules that protect the state’s 974,000 residents.

Montana Auto Insurance

Montana auto insurance regulations do not require drivers to carry personal injury protection (PIP) or uninsured motorist coverage. This at-fault state does require liability insurance. The minimum bodily injury coverage required is $25,000 for a single-person injury and $50,000 for a multiple person injury. They also require $10,000 for property damage liability.

Montana Health Insurance

Montana health insurance regulations do not require that the state’s health insurers issue individual policies on a guaranteed basis, so those with pre-existing conditions can be declined or excluded. For those unable to get individual or group insurance in the state, there is a high risk pool. If you can get a high deductible plan, the state does allow a state income tax deduction for those who contribute to a health savings account (HSA).

Small groups in Montana must consist of at least 2 people for purposes of group health insurance. A six month exclusion can be issued on an individual’s pre-existing condition if they were without insurance coverage for 63 or more days in the past 6 months. Group rates are protected by rate bands.

Montana Home Insurance

Montana home insurance regulators make no requirements for homeowners to have insurance; of course, individual lenders do since they are at risk as long as you have an outstanding loan on your home.

Whole Montana has no great risk for any particular natural disaster, 2010 brought FEMA executives and regulators together to discuss certifying the state’s important levees. Doing so will help Montana home insurance rates stay affordable.

Montana Life Insurance

The Montana Life and Health Insurance Guaranty Association was created in 1974. Its purpose is to protect Montana life insurance policyholders (and their beneficiaries) from missing out on a claim due to insurer insolvency. The association provides up to $300,000 in death benefits and $100,000 in cash value claims.




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