Named after the Spanish word for mountain, Montana is an outdoor-lover's paradise. Big Sky Country residents can explore the Glacier National Park, the Continental Divide and Yellowstone National Park. Unfortunately, sometimes life is about more than adventures. You also have to protect yourself from the risks you face every day by finding Montana insurance that fits your lifestyle.
Montana has 93 independent agents from the Trusted Choice® network to support a population of 1,005,141. That's the 14th highest agent to population ratio in the U.S. With that level of support, you're sure to find all the insurance you need. Contact a local agent now for free Montana insurance quotes for car, home, health, life, business and any other type of insurance you require.
Independent Agents vs. Captive Agents
Captive agents, as their name implies, are tied to their companies' insurance products, but independent agents are free to access many insurance companies, and find the products and prices their clients need.
An independent Trusted Choice agent offers you an advantage over the captive agents. The agent can provide you multiple Montana insurance quotes for a variety of insurance coverage options at the best available costs.
Montana Car Insurance Keeps Your Car Protected
Montana has the highest death rate of any state in the U.S per 100 vehicle miles traveled. Unlit rural roads and slick winter driving conditions pose extra risks to this state's motorists. This means that it is important to choose your car insurance carefully.
First, you need to make sure you're covered if you have an accident and you are at fault. Liability insurance protects you from lawsuits and pays claims if you injure someone or damage property in a car crash. Most states legally require drivers to carry liability insurance, and Montana is no different. The state mandates the following bodily injury and property damage liability coverage limits:
- $25,000 per accident for injury to one person
- $50,000 per accident for injury to two or more persons
- $25,000 per accident for property damage
Most insurers recommend that you have higher coverage limits. That way, if you are faced with a costly lawsuit, the settlement and lawyer fees can be met by your insurance, instead of your savings and assets. You may also wish to protect your finances with other auto coverage, such as:
- Collision: This option covers the cost to repair your car after a collision, regardless of fault.
- Comprehensive: This option, also known as "other than collision," covers your car if something other than a vehicle collision damages your car. This coverage includes events such as running into a deer or other animal or getting hit by a falling objects. Comprehensive also protects you against hail damage and theft.
- Uninsured/underinsured: This option protects you if another driver causes an accident, and that driver doesn't have car insurance or doesn't have enough insurance to cover your damages or losses.
Find the Right Homeowners Insurance for You
Your home is usually your biggest investment. It is also one of your most valuable assets, so make sure you don't skimp on home insurance. If you purchased your homeowners policy a while ago, it may be time to review your coverage, and make sure no gaps have developed, and that your personal property is sufficiently insured.
Basic homeowners insurance includes the following:
- Property: This option covers damage to your home. Typically, property coverage includes the structure of your house, garages, sheds and outbuildings.
- Contents: This option replaces the items in your home in the event of a fire, theft or other mishap. The items included are furniture, appliances, electronics, computers, sports equipment, clothes, etc. If you have single items that are highly valued such as jewelry, fine art or a collector's item, you many need a separate policy for those items.
- Liability: This option protects you from lawsuits and pays for claims if you cause injury or property damage to a visitor through your actions or negligence.
Homeowners insurance covers events such as fire, burglary, water damage from broken pipes, hail and snow damage, and strong winds. It does not cover some natural catastrophes, like wildfire, earthquake, and flood. You can purchase coverage for these events separately. Flood insurance is available through the National Flood Insurance Program, and you can typically buy a policy through an independent agent.
Montana Business Insurance Protects Your Investment
Some of the most popular small businesses in Montana involve agriculture, travel, tourism, mining and timber. But many of the other 9,000 small businesses that operate in Montana serve other needs. No matter what kind of business you own, make sure you're covered against liability risks and lawsuits. You probably also need to protect your property, equipment, materials, inventory, vehicles, employees and your revenue. Business owners policy insurance, also called a BOP, helps you do just that.
Whether you're an independent contractor doing construction work who just needs to cover yourself, your equipment and your truck, or you're a ranch owner running a large ranch that needs to protect crops, livestock and specialized equipment, an independent agent can provide you the best pricing and coverage options. Trusted Choice agents write more business policies than any other brand. Business owners choose these independent agents, because they can draw from many insurance companies, to provide only the customized coverage you need, at the best price.
Montana Life Insurance Protects Your Family
If you have loved ones who depend on your income, it is a good idea to purchase life insurance to protect them in the event of your untimely death. Unfortunately, over 40% of Americans do not have any form of life insurance, and many more are inadequately insured. Even if your budget is tight, you can probably find a policy you can afford, one that will provide a source of income for your family when you can no longer do so.
There are many kinds of life insurance policies. The right choice for you depends on your age, income, health, family, financial goals, and many other factors. These are a few of the most popular choices:
- Term life: This provides 20-30 years of coverage, a simple death benefit, and inexpensive premiums.
- Whole life: This is a form of permanent life insurance that covers you until you pass away. It costs more than term life insurance, but it accrues a cash value you can use as collateral, or cash out when necessary, as well as a death benefit to your loved ones.
- Universal life: This is another type of permanent life insurance, which lasts for your whole lifetime, and gives you flexible investment and rate options, as well as cash value and retirement income options.
Life insurance is less expensive when you are young and healthy, and usually grows more costly as you age. You can lock in a low rate now with a permanent life insurance policy, and pay the same low rate until the end of your lifetime.
Montana Health Insurance Covers Your Medical Expenses
Health insurance has become a big topic of conversation in Montana and elsewhere, as people try to figure out the best way to cover family members and get lower-cost premiums. Many are confused and unsure of law changes, employer plan changes and all the available options.
A local agent can help you determine which policy is right for you, whether a PPO, an HMO or an HSA. Some options offer lower costs and less freedom of physician choice, while others offer higher premiums and more freedom to choose your healthcare providers. You must also weigh in factors like deductibles, covered conditions, and specialist coverage. Your choice depends on your unique situation and risks.
Even if you were unable to purchase coverage before, with the new Affordable Care Act, you can no longer be turned down because of a preexisting condition, and income-based premiums are available.
Get Coverage for Motorcycles, ATVs, and Snowmobiles
Many residents love to dirt bike, ATV or snowmobile in the mountains of Montana, but it can be dangerous. That's why it's important to cover all your recreational vehicles with a special vehicle policy. Typically, the ATV, motorcycle and snowmobile policies cover collision, theft, liability and damage caused by uninsured or underinsured drivers. You can also set up enhanced coverage for passenger liability, safety apparel, custom equipment, roadside assistance and more.
If you have multiple specialty vehicles to insure, you may qualify for discounts by bundling policies together. You might also get lower rates if you take safety courses.
Get Montana Insurance Quotes
You can find Montana insurance for almost every risk you face. An independent agent gives you the best opportunity of finding the right coverage at the most affordable price. Even if you have unique risks, there's a great chance an agent can find an insurance policy to cover it.
Let one of the 93 local Trusted Choice member agents in Montana handle all your insurance needs. Contact an agent now to review your existing insurance and get the Montana insurance quotes you need.