Auto Insurance

Montana requires drivers to carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 in property damage liability. Many drivers choose higher limits than the state minimum, since these amounts may not fully cover a serious accident.

Collision and comprehensive coverage are optional once a vehicle is paid off, but many drivers keep them to protect the value of their car. Whether it makes sense depends on your vehicle’s value, your savings, and how much risk you’re comfortable taking on out of pocket.

This coverage protects you and your passengers if you’re injured in an accident caused by a driver who has no insurance or not enough insurance to cover your injuries. It helps pay medical expenses and related costs up to the limits you select.

The right amount depends on your vehicle’s value, your assets, and your risk tolerance. One of our licensed agents can review your situation and recommend coverage options and limits that go beyond the state’s minimum requirements if needed.

Premiums are based on factors like your driving record, age, the vehicle you drive, how much you drive, where you live, and the coverage limits and deductibles you choose. Rural driving conditions and distance traveled can also play a role.

It’s possible, but not guaranteed. Rate impact depends on the type of claim, who was at fault, your claims history, and your insurer’s guidelines. Talk to your agent about how a specific claim might affect your policy.

Check for injuries, move to a safe location if possible, and call law enforcement to file a report. Exchange information with the other driver, take photos of the scene and damage, and contact your agent as soon as possible to begin the claims process.

Yes, damage from hitting an animal is typically covered under comprehensive coverage rather than collision coverage. This is a common claim in Montana, so it’s worth making sure comprehensive coverage is part of your policy.

Many personal auto policies extend some coverage to rental vehicles, but the extent varies by policy and carrier. Check with your agent before a trip to confirm what’s covered and whether additional rental coverage makes sense.

If you have uninsured motorist coverage, it can help pay for your medical expenses and other related costs when the at-fault driver has no insurance to cover the damages. Without this coverage, you may be responsible for those costs yourself.

You can add a new driver by contacting your agent with their license information and driving history. Adding a teen driver will typically affect your premium, but discounts for good students or driver training courses can help offset the cost.

Yes, many carriers offer a multi-policy discount when you bundle auto insurance with home, farm and ranch, or business coverage. Bundling can also simplify things by working with one agent across all your policies.

Common discounts include bundling multiple policies, safe driving records, low annual mileage, vehicle safety features, and good student discounts. Available discounts vary by carrier, so it’s worth asking your agent which ones apply to you.

Your deductible is the amount you pay out of pocket before your collision or comprehensive coverage kicks in. A higher deductible typically lowers your premium, while a lower deductible raises it but reduces what you’d pay after a claim.

Your rate and coverage needs can change when you move or add a new vehicle, so it’s important to update your policy right away. This helps make sure you’re not underinsured or paying for coverage that no longer fits your situation.

It’s a good idea to review your policy at least once a year, or any time you have a major change, such as buying a new vehicle, adding a driver, or moving. Regular reviews help make sure your coverage still fits your needs.

You can request a quote by contacting our Miles City, Terry, or Forsyth office directly or by filling out a quote request form on our website. One of our agents will review your vehicles, coverage needs, and driving history to put together options that fit your situation.