Cheap Pontiac Montana Car Insurance in 2024 (Cash Savings With These 10 Companies)

Cheapest for Pontiac Montana: State Farm

17,757 reviews

4.1

Company Facts

Min. Coverage for Pontiac Montana

$70/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• Well-established and reputable.
• A+ rating with A.M. Best and AA rating with S&P.
• Offers a range of discounts to help customers save on insurance costs.
• Extensive agent network for personalized service.
• Efficient claims handling process.
• Comprehensive coverage options including auto, home, life, and health insurance.

• Some negative reviews or complaints may exist, as with any company.
• Rates may vary depending on individual circumstances.
• Discounts availability might differ by state.

» State Farm Car Insurance Review

17,757 reviews

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2nd Cheapest for Montana: USAA

6,434 reviews

4.7

Company Facts

Min. Coverage for Pontiac Montana

$72/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Rates are lower than the national average
• Customer complaints for home insurance are generally low
• USAA includes many free coverage options in standard policies
• Easy-to-use mobile app

• Fewer coverage options compared to competitors
• Strict membership requirements
• USAA doesn’t write flood insurance and windstorm coverage options

» USAA Car Insurance Review

6,434 reviews

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3rd Cheapest for Montana: Progressive

13,128 reviews

4.1

Company Facts

Min. Coverage for Pontiac Montana

$75/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive pricing
• Easy online tools
• Good customer service

• Claims processing
• Payment processing
• Coverage options

» Progressive Car Insurance Review

13,128 reviews

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State Farm, USAA, and Progressive offer cheap Pontiac Montana car insurance, with rates starting as low as $70 per month for comprehensive coverage.

Our Top 10 Company Picks: Cheap Pontiac Montana Car Insurance

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$70	B	Multiple Policies	State Farm
	#2	$72	A+	Military Families	USAA
	#3	$75	A+	Snapshot Program	Progressive
	#4	$78	A++	Safety Discounts	Geico
	#5	$80	A+	Theft Discounts	Allstate
	#6	$82	A	Multi-Policy Discounts	Liberty Mutual
	#7	$85	A	Bundling Policies	Farmers
	#8	$88	A+	Low Mileage	Nationwide
	#9	$90	A++	Hybrid Discounts	Travelers
	#10	$92	A	Young Drivers	American Family

Car insurance rates can vary greatly depending on several factors, including your driving record, the type of coverage you choose, and even your location. In this article, we will explore the various factors that influence Pontiac Montana car insurance rates. Enter your ZIP code now.

#1 – State Farm: Top Overall Pick

Pros

• Reliable Coverage: Known for its stability and reliability, ensuring consistent and dependable coverage for Pontiac Montana drivers. With an A.M. Best rating of B, customers can trust in their financial stability.
• Discounts for Safe Driving: Provides significant discounts for drivers with clean records and for using their Drive Safe & Save™ program. Pontiac Montana enthusiasts can enjoy monthly rates starting at a competitive $70.
• Bundling Options: Offers substantial savings when bundling car insurance with home, renters, or other policies. This makes it an excellent choice for Pontiac Montana owners with multiple policies, as highlighted in the State Farm insurance review & ratings.

Cons

• Higher Premiums: Generally, State Farm’s premiums can be higher than some competitors, particularly for young Pontiac Montana drivers. This can be a drawback despite their extensive coverage options.
• Limited Online Services: Some customers find the online service options limited compared to other major insurers. Pontiac Montana enthusiasts who prefer digital interactions might find this inconvenient.

#2 – USAA: Best for Military Families

Pros

• Exclusive Military Benefits: Tailored benefits and services specifically for military members and their families. Pontiac Montana owners in the military can enjoy lower rates and specific coverages for deployed personnel.
• Exceptional Customer Service: Consistently high ratings for customer satisfaction and claims handling. With an A.M. Best rating of A+, USAA is recognized for its strong financial health, appealing to Pontiac Montana enthusiasts.
• Comprehensive Coverage: Offers a wide range of coverage options, including specialized military discounts. Pontiac Montana drivers can take advantage of monthly rates starting at $72. Read more through our USAA insurance review.

Cons

• Eligibility Restrictions: Limited to military members, veterans, and their families, excluding the general public. Pontiac Montana enthusiasts who are not eligible miss out on these excellent offerings.
• Limited Physical Locations: Fewer physical branch locations compared to some other large insurers. This can be a limitation for Pontiac Montana drivers who prefer in-person interactions.

#3 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program: Offers the Snapshot program, which can lower premiums based on safe driving habits. Pontiac Montana drivers can benefit significantly from this telematics program.
• Competitive Rates: Known for competitive pricing and frequent discounts. Pontiac Montana enthusiasts will find their monthly rates starting at $75, making them a budget-friendly option.
• Flexible Coverage Options: Wide variety of coverage options and add-ons to customize policies. This flexibility allows Pontiac Montana owners to tailor their insurance solutions, according to Progressive insurance review & ratings.

Cons

• Mixed Customer Service Reviews: Customer service experiences can vary, with some reporting issues. Despite their A+ rating with A.M. Best, this inconsistency can be a drawback for Pontiac Montana enthusiasts.
• Higher Rates for High-Risk Drivers: Rates can be higher for drivers with poor records or higher-risk profiles. Pontiac Montana drivers with a history of violations might find this less attractive.

#4 – Geico: Best for Safety Discounts

Pros

• Safety Discounts: Offers substantial safety discounts for vehicles with advanced safety features. Pontiac Montana owners with newer models can benefit from these discounts.
• Low Monthly Rates: Competitive monthly rates starting at $78 make it an affordable option for Pontiac Montana drivers. Their A.M. Best rating of A++ also ensures reliability.
• Easy Online Management: User-friendly online tools and mobile app for managing policies and claims. Pontiac Montana enthusiasts will find it convenient to handle their insurance digitally. Read more through our “How can I pay my Geico insurance premium?“

Cons

• Limited Local Agents: Fewer local agents available compared to some other insurers. Pontiac Montana enthusiasts who prefer in-person support might find this a drawback.
• Potential Rate Increases: Some customers report significant rate increases after the first policy term. Pontiac Montana owners should be aware of potential cost changes.

#5 – Allstate: Best for Theft Discounts

Pros

• Theft Discounts: Offers theft prevention discounts for vehicles with anti-theft devices. Pontiac Montana owners can benefit from reduced rates if their vehicle is equipped with such features.
• Comprehensive Coverage Options: Extensive range of coverage options, including accident forgiveness. Pontiac Montana enthusiasts can customize their policies to suit their needs.
• Strong Financial Stability: A.M. Best rating of A+ ensures financial reliability. Pontiac Montana drivers can trust Allstate for long-term coverage, according to Allstate insurance review & ratings.

Cons

• Higher Premiums: Generally higher premiums compared to some other insurers. Pontiac Montana enthusiasts might find this less appealing despite the coverage benefits.
• Mixed Customer Service: Customer service experiences can vary, with some reporting dissatisfaction. Pontiac Montana drivers should be aware of potential inconsistencies in service quality.

#6 – Liberty Mutual: Best for Multi-Policy Discounts

Pros

• Multi-Policy Discounts: Significant discounts for bundling multiple policies. Pontiac Montana owners with home or renters insurance can save considerably.
• Customizable Coverage: Offers a wide range of customizable coverage options. Pontiac Montana enthusiasts can tailor their policies to meet specific needs.
• Online Tools and Mobile App: Robust digital tools for managing policies and filing claims. Pontiac Montana drivers will find the digital convenience beneficial, as noted in the Liberty Mutual Review & Ratings.

Cons

• Higher Rates for Young Drivers: Premiums can be higher for young and inexperienced drivers. Pontiac Montana enthusiasts who are younger might find this less attractive.
• Limited Discounts: Fewer discount options compared to some other insurers. Pontiac Montana drivers might miss out on additional savings opportunities.

#7 – Farmers: Best for Bundling Policies

Pros

• Bundling Policies: Excellent discounts for bundling auto with home or other policies. Pontiac Montana owners can achieve significant savings through bundled policies.
• Comprehensive Coverage Options: Wide range of coverage options, including rideshare insurance. Pontiac Montana enthusiasts can tailor their insurance to their specific needs.
• Strong Customer Service: Known for excellent customer service and claims handling. Pontiac Montana drivers can expect responsive and helpful support, as highlighted in the Farmers insurance review & ratings.

Cons

• Higher Premiums: Generally higher premiums compared to some other insurers. Pontiac Montana enthusiasts might find this less appealing despite the coverage benefits.
• Limited Online Tools: Online tools and digital services are not as advanced as some competitors. Pontiac Montana drivers who prefer digital management might find this a drawback.

#8 – Nationwide: Best for Low-Mileage

Pros

• Vanishing Deductible: Deductible decreases over time with safe driving. Pontiac Montana enthusiasts can enjoy lower deductibles with continued safe driving.
• Strong Financial Stability: A.M. Best rating of A+ ensures reliability and trust. Pontiac Montana drivers can rely on Nationwide for consistent and dependable coverage.
• Customizable Policies: Wide range of customizable policy options to meet individual needs. Pontiac Montana owners can tailor their coverage to suit their specific requirements.

Cons

• Higher Rates for High-Risk Drivers: Premiums can be higher for drivers with poor records. Pontiac Montana enthusiasts with a history of violations might find this less attractive.
• Limited Local Presence: Fewer local agents compared to some other insurers. Pontiac Montana drivers who prefer in-person support might find this a drawback, as highlighted in the Nationwide insurance review & ratings.

#9 – Travelers: Best for Hybrid Discounts

Pros

• Hybrid Discounts: Offers discounts for hybrid and electric vehicles. Pontiac Montana owners with eco-friendly models can benefit from reduced rates, as mentioned in the Travelers insurance review & ratings.
• Comprehensive Coverage Options: Extensive range of coverage options, including accident forgiveness. Pontiac Montana drivers can customize their policies to meet their needs.
• Excellent Customer Service: Known for strong customer service and claims handling. Pontiac Montana owners can expect responsive and helpful support.

Cons

• Higher Premiums: Generally higher premiums compared to some other insurers. Pontiac Montana enthusiasts might find this less appealing despite the coverage benefits.
• Limited Discounts: Fewer discount options compared to some other insurers. Pontiac Montana drivers might miss out on additional savings opportunities.

#10 – American Family: Best for Young Drivers

Pros

• Young Driver Discounts: Special discounts for young and new drivers. Pontiac Montana enthusiasts who are younger drivers can benefit from reduced premiums and affordable coverage options.
• Comprehensive Coverage Options: Wide range of coverage choices including accident forgiveness and rental car reimbursement. Pontiac Montana owners can select coverage that fits their unique driving needs, as mentioned in the American Family insurance review & ratings.
• Discounts for Safety Features: Offers discounts for vehicles equipped with advanced safety features. Pontiac Montana enthusiasts with safety enhancements in their vehicles can enjoy additional savings.

Cons

• Higher Premiums for Some Demographics: Premiums can be higher for certain groups, such as older drivers or those with less driving experience. Pontiac Montana owners in these categories may face increased costs.
• Limited Availability in Some Areas: Not available in all states or regions, which could limit options for some Pontiac Montana drivers. Availability might impact the accessibility of coverage based on location.

Understanding the Factors That Influence Pontiac Montana Car Insurance Rates

There are several key factors that car insurance companies consider when determining the cost of insuring a Pontiac Montana. One of the most significant factors is your driving record. If you have a history of accidents or traffic violations, you can expect to pay higher car insurance premiums.

On the other hand, drivers with clean records are often eligible for lower car insurance rates. Additionally, car insurance companies also take into account the age and experience of the driver. Younger and less experienced drivers are considered higher risk and may have higher car insurance premiums.

The Average Cost of Pontiac Montana Car Insurance

Exploring Different Types of Coverage Options for Pontiac Montana Car Insurance

When it comes to insuring your Pontiac Montana, you have several coverage options to choose from. The most basic coverage is liability insurance, which covers any damage you may cause to other people or property in an accident.

However, it’s important to consider additional coverage options such as collision and comprehensive insurance, which can provide protection for your vehicle in case of accidents, theft, or other unforeseen events.

Additionally, personal injury protection (PIP) insurance is crucial as it covers medical expenses and lost wages for you and your passengers regardless of fault.

It’s recommended to discuss your specific coverage needs with an insurance agent to ensure you have the appropriate level of protection.

Tips For Finding Affordable Pontiac Montana Car Insurance Rates

While car insurance is a necessary expense, there are several steps you can take to find more affordable rates for your Pontiac Montana coverage. One of the most effective ways is to shop around and compare quotes from different insurance providers. Rates can vary significantly between companies, so it’s important to gather multiple quotes and evaluate them carefully.

Additionally, maintaining a clean driving record, opting for higher deductibles, and bundling your car insurance with other policies like homeowners or renters insurance can also help lower your premiums. Enter your ZIP code now to begin comparing.