Auto & Recreational Insurance
Insurance Knowledge Base
Protection for Wherever the Road Takes You
From your everyday vehicle to the recreational equipment you use on weekends, the right coverage helps protect you from risks both on and off the road. Understanding your options can help you choose coverage that fits how you actually drive, travel, and play.
Coverage That Goes Beyond Your Vehicle
Auto insurance can help provide liability protection for injuries or property damage to others, along with medical or no-fault benefits where applicable, uninsured and underinsured motorist coverage, collision, comprehensive, towing, and rental reimbursement. Premiums can be influenced by repair and labor costs, vehicle technology, medical costs, theft, severe weather, litigation, driving history, mileage, household drivers, vehicle type, where the vehicle is garaged, and an insurer’s specific loss experience.
- Higher repair, rebuilding, medical, rental-car, towing, and legal costs
- More frequent or severe weather losses
- Changes to a property’s value, location, use, construction, or occupancy
- Increasingly expensive vehicle technology and repairs
- Lawsuit frequency and larger jury awards
- Reinsurance costs
- Updated catastrophe models, inspections, imagery, and loss data
- Changes in an insurer’s appetite, capacity, expenses, and claim experience
Reduce Your Risk on the Road
Drive Safely
Avoid distracted and impaired driving, practice defensive driving, and make sure all household drivers are properly listed.
Maintain Your Vehicle
Regularly inspect tires, brakes, lights, windshields, and safety systems to help keep your vehicle operating safely.
Protect Against Theft
Use anti-theft devices, secure your keys, and park in protected, well-lit areas whenever possible.
Protect the Things That Make Montana Fun
Specialized coverage may be appropriate for recreational vehicles and equipment that aren’t adequately addressed by a standard auto or homeowners policy.
RV & Camper Insurance
Coverage can address physical damage, liability, accessories, transportation, storage, and how your RV or camper is used.
Boat & Watercraft Insurance
Specialized protection can help address physical damage and liability associated with owning and operating boats and other watercraft.
ATV, Motorcycle & Snowmobile Insurance
Coverage can help protect recreational equipment and address liability and physical damage both at home and while you’re out enjoying it.
Good Habits Help Reduce Risk
- Maintain vehicles and recreational equipment regularly
- Make sure household drivers and operators are properly disclosed
- Secure recreational equipment when it isn’t being used
- Disclose delivery, rideshare, business, or unusually high-mileage vehicle use
- Consider safety and theft-loss performance when purchasing a vehicle
- Understand what information is collected before enrolling in telematics
- Choose liability limits based on your actual assets and exposure, not simply the legal minimum
- Review coverage whenever vehicles, drivers, or recreational equipment change
IMPORTANT: This material is general educational information and is not intended as legal, tax, safety, or coverage advice. Insurance policies contain conditions, limitations, and exclusions, and coverage is determined by the actual policy and the facts of a loss. Statistics are national unless otherwise stated and do not predict an individual premium. Consult a licensed insurance professional and other qualified advisors for guidance specific to your circumstances.