Coverage that protects what matters, priced for your budget.
Liability coverage is required in most states, and for good reason. It protects you financially if you're responsible for an accident that causes injury or property damage to others.
This coverage doesn't fix your own vehicle, but it keeps you from paying thousands out of pocket for someone else's medical bills or repairs. It's the foundation of any solid auto insurance policy.
Covers medical expenses for injured parties in accidents you cause
Pays for property damage to vehicles or structures you hit
Includes legal defense costs if you're sued after an accident
Covers medical costs, lost wages, and legal expenses if you injure someone in an accident.
Pays for repairs or replacement of other people's vehicles and property you damage.
Most states require minimum liability limits to drive legally on public roads.
Collision coverage steps in when your vehicle is damaged in an accident, whether you hit another car, roll over, or crash into a tree. It doesn't matter who's at fault—your repairs are covered.
If you're still paying off your car, your lender will likely require this coverage. Even if you own your vehicle outright, collision coverage gives you peace of mind knowing you won't be stuck with a huge repair bill after a crash.
Repairs or replaces your vehicle after an accident, regardless of fault
Covers single-vehicle accidents like hitting a pole or rolling over
Works with your deductible—you pay that amount, we cover the rest
Covers your car's damage after crashes involving other vehicles, even if you're at fault.
Protects you when you hit a stationary object like a guardrail or mailbox.
Get back on the road quickly with approved repair shops and direct payment options.
Not everyone on the road carries insurance, even though they're supposed to. If an uninsured or underinsured driver hits you, this coverage makes sure you're not left paying for their mistake.
It covers your medical bills, lost wages, and vehicle repairs when the other driver doesn't have enough coverage—or any coverage at all. In Montana and many other states, this protection is essential.
Protects you from drivers who don't have liability insurance
Covers medical expenses and lost income after an accident
Applies to hit-and-run accidents where the driver can't be identified
Covers you when the at-fault driver has no insurance at all.
Kicks in when the other driver's insurance isn't enough to cover your damages.
Shields you from financial loss caused by irresponsible or uninsured drivers.
Flat tire on a back road? Dead battery in a grocery store parking lot? Roadside assistance gets you help fast, no matter where you are or what time it is.
This coverage includes towing, jump-starts, lockout service, and fuel delivery. It's a small add-on that can save you a lot of stress and money when something goes wrong on the road.
Towing to the nearest repair shop if your car breaks down
Battery jump-starts and flat tire changes on the spot
Lockout service and emergency fuel delivery when you need it
Get your vehicle towed to the nearest shop if it breaks down or won't start.
Jump-starts, tire changes, lockouts—help arrives wherever you are.
Roadside assistance is available around the clock, every day of the year.
Let's put together a coverage plan that fits your needs and your budget. Get a free quote in just a few minutes—no pressure, no hassle.
Get Your Free Quote