Coverage follows the facts

Insurance & garaging: let’s find your route.

Tell us where the vehicle is kept, who drives it, and how the policy names the owner. We’ll help you prepare the right questions for your insurer.

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Illustrative candid vehicle scene for insurance & garaging guidance — Illustrative imagery

Montana has no general sales tax.

Need help with insurance & garaging? We review your ownership, title, financing, insurance, and vehicle use together, then guide you through the next step and the price before you move ahead.

Montana Department of Revenue: sales tax guidance

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Find the guide that fits.

We line up the insured party, titled owner, regular drivers, lender requirements, and actual garaging location.

Insuring an LLC-owned vehicleThe policy needs to reflect the vehicle's legal owner and actual drivers.Vehicle kept outside MontanaWhere the vehicle usually sleeps is a key fact for an insurer and for the registration review.Several regular driversEach regular driver can affect underwriting and how the policy should be written.Collector or agreed-value insuranceA specialty policy may depend on mileage, storage, and permitted use.Insurance for business useBusiness driving can call for coverage different from personal use.Insurance before vehicle deliveryThe buyer may need coverage effective before taking possession.Insurance and title names do not matchA policy in one name and a title in another can create delays or unanswered coverage questions.Seasonal garaging in multiple statesA vehicle may spend meaningful time in more than one location during the year.

What to have ready

Bring the insurance declarations page, current registration, driver information, and lender instructions.

Reference: Montana Motor Vehicle Division frequently asked questions

Tell us the details. We’ll guide you.

Tell us what you have and what you want to do. We’ll review the details with you, explain the next step, and show the full price before you decide.

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