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Auto Insurance

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Protect yourself, your family, your vehicle and other drivers.

You probably know that every driver in Montana is required by law to have liability insurance, but who pays to fix your car when you’re at fault in an accident or when the other driver doesn’t have insurance or enough insurance? What if your passenger is injured and has medical bills , or someone sues you for property damages resulting from an auto accident? And do you really need comprehensive and collision coverage with an older car?

At Cochrane Insurance Agency, we’re here to guide you through all the types of coverages to make sure you and your loved ones are protected. We’ll translate insurance lingo into plain, easy-to-understand terms so that you only pay for what you want and know exactly what’s covered.

Every year we review your policies up for renewal and automatically check rates for you, so you know you’re still getting the best price.

Basic types of coverage:

  • Liability

    If you’re responsible for injuring another person and/or causing damage to their vehicle, your insurance company will cover those expenses (up to policy limits).

  • Collision

    Regardless of who’s at fault in an accident, this coverage covers repair or, in the event your vehicle is totaled, replacement of your automobile, less your deductible.

  • Comprehensive

    As the term implies, this coverage compensates you for damages to your vehicle—such as fire, theft, or other loss—that’s beyond your control. This coverage is subject to a deductible (the amount you pay out of pocket before your insurance begins to pay).

  • Uninsured/underinsured bodily injury

    If you and/or your passengers are injured by a driver who has little or no insurance, this coverage pays your medical bills, pain and suffering, loss of use and loss of wage (up to policy limits).

  • Medical payments

    If you’re involved in a car accident, regardless of fault, this coverage pays for medical and funeral expenses for you and other passengers (up to policy limits).

  • Towing and road service

    If your vehicle breaks down, this covers the cost of towing your vehicle to a shop for repairs. It can also pay for the service charge if you are locked out of your vehicle, run out of gas, or have a flat tire.

  • Rental reimbursement

    You may need to rent another vehicle while your car is in the shop for repairs after a covered accident. This coverage will pay you a daily dollar amount while your vehicle is not available for use, up to your policy limits.