Autos

 

  For many people the auto policy is the first insurance they purchase. The State of Montana requires minimum liability coverage so that there is some money to pay for bodily injuries and property damage caused by the auto owner. If they buy a car on credit the lender generally requires that the car itself have insurance coverage in case it is damaged or destroyed before the loan is paid off.  This can be a harsh reality check for high school students that have just quoted insurance on a shiny new sports car or sports pickup.  Auto insurance has also developed into a package of coverages that fit most situations. There is a choice of liability coverages.  The more you have to lose the higher liability limits you need to have.  If you double the amount of liability coverage it does not double your premium cost.  It will only be about 15% higher and you will have insurance coverage for the really bad day. Auto insurance markets usually have several companies or rating slots under their roof.  This is done to accomodate different aged drivers, traffic violations or not, accidents or not, DUI or not, type or use of vehicles. We have a number of auto insusrance markets that can provide a competitive product for you.