Name: MM Insurance Associates
Address: 15885 W National Ave, Suite 300, New Berlin, WI, 53151, US
Telephone: (262) 754-4736
Price range: $$

Question 1

What is the Montana LLC loophole for vehicles?

Accepted Answer

It is the practice of creating a Montana limited liability company and registering a vehicle through that entity to avoid paying sales tax in your home state. Montana has no sales tax, so buyers can legally title a car there even if they do not live in the state.

Question 2

Is the Montana LLC vehicle registration strategy legal?

Accepted Answer

The Montana registration itself is legal. The problem arises when a vehicle is primarily garaged and driven in another state, because that state may still consider you responsible for its sales tax or use tax. Several states including California are actively prosecuting individuals who use the strategy fraudulently.

Question 3

What states are cracking down on Montana plate registrations?

Accepted Answer

California has taken the most aggressive stance, with criminal charges filed in 2025 and joint enforcement by the CDTFA and DMV underway in 2026. Utah and several other high-tax states have also launched investigation programs.

Question 4

Does having a Montana LLC affect my car insurance?

Accepted Answer

It can. If your vehicle is titled through an LLC but primarily kept in another state, your insurer needs to know the actual garaging location and use pattern. Specialty carriers like Hagerty are experienced with LLC-titled collector cars, but policies must accurately reflect how and where the vehicle is used.

Question 5

Who are the best insurance carriers for exotic and collector cars?

Accepted Answer

For collector and classic vehicles, Hagerty is widely considered the industry leader for agreed value coverage. Pure Insurance and Chubb serve high-net-worth clients with broader collections. Berkeley Classics covers specialty and modified vehicles.

Question 6

What is agreed value insurance and why does it matter for collector cars?

Accepted Answer

Agreed value means you and the insurance company agree on the vehicle value before a loss occurs. If the car is totaled, you receive that agreed amount without depreciation or negotiation.

Question 7

How do I get my collector car collection properly insured in Wisconsin?

Accepted Answer

Contact MM Insurance at (262) 754-4736. We work with Hagerty, Pure, Chubb, and Berkeley Classics to structure coverage that matches the true value of your collection.

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