1. Why Seniors Pay More After 70
Insurance rates tend to rise after 70 due to increased accident risk, slower reflexes, and higher medical costs. Even with a spotless record, you may see premiums creep up as you enter your senior years.
2. Average Premiums for Montana Seniors
Full coverage: About $1,040 per year (~$87/month)
Minimum liability: About $370 per year (~$31/month)
3. Key Factors That Influence Rates
✅ Driving history – a clean record keeps rates lower.
✅ Vehicle safety features – anti-lock brakes, airbags, and anti-theft devices can earn discounts.
✅ Usage – low-mileage drivers can often qualify for better rates.
✅ Deductibles – choosing the right deductible can help you balance coverage and cost.
✅ Bundling – combining home and auto insurance can lead to significant savings.
4. How to Save on Premiums
Defensive Driving
Take a senior driving safety course to receive a discount on your policy.
Vehicle Safety
Drive a car equipped with modern safety features to maximize savings.
Adjust Coverage
We’ll help you review your coverage so you have the right balance of protection and affordability.
Payment Options
Ask us about discounts for paying your premium annually or choosing automated payments.
5. The Right Coverage for Every Senior
Whether you need full coverage for a newer vehicle or liability-only coverage to meet state requirements, we’ll help you select the best policy for your lifestyle.
6. Let Us Do the Shopping for You
With 30 years of experience and access to nearly 100 top-rated carriers, we’ll do all the work to find the most competitive rates and coverages that suit your needs — saving you time, money, and hassle.
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Find affordable car insurance for seniors over 70 in Montana. Get tailored coverage, exclusive discounts, and personalized guidance from our experienced team.
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