It is important to give your agent a thorough report on the driving records of all licensed drivers in your house. If you or a member of your family has caused a traffic accident or has been convicted of a traffic violation such as speeding or reckless driving during the last three years, your insurance premium may be higher.
Most companies that sell insurance in Montana have a “Safe Driver Plan.” If no driver in your household has had an at-fault accident or conviction, you may qualify for a lower premium.
Montana law prohibits an insurance company from surcharging a private passenger auto policy due to a claim submitted under the insured’s policy if the insured was not at fault. If you are in an accident that is caused by another driver and you submit a claim to your insurance company to cover your losses, the company cannot surcharge you in any way.
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