Frequently Asked Questions

Rates are based on a combination of factors, including your driving record, age, the vehicle you drive, how much you drive, where you live and garage the vehicle, and the coverage limits and deductibles you choose. In rural Montana, factors like long commute distances and limited access to repair shops can also play a role.

Montana requires drivers to carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 in property damage liability. Many drivers choose higher limits than the state minimum, since these amounts may not fully cover a serious accident.

Liability coverage pays for injuries or property damage you cause to others. Collision coverage pays to repair or replace your own vehicle after an accident, regardless of fault. Comprehensive coverage pays for damage from non-collision events like theft, vandalism, fire, hail, or an animal strike.

The right amount depends on your vehicle's value, your assets, and your risk tolerance. A licensed agent can review your situation and help you choose liability limits and optional coverages that protect you beyond the state's minimum requirements.

It depends on how the vehicle is used. Occasional work use, like commuting, is typically covered under a personal auto policy, but regular business use, deliveries, or commercial purposes may require a commercial auto policy. It's worth confirming your specific use with your agent.

It's possible, but not guaranteed. Rate impact depends on the type of claim, who was at fault, your claims history, and your insurer's guidelines. Some policies include accident forgiveness or other features that can help protect your rate after a first claim.

Check for injuries, move to a safe location if possible, and call law enforcement to file a report. Exchange information with the other driver, take photos of the scene and damage, and contact your insurance agent as soon as possible to begin the claims process.

Many personal auto policies extend some coverage to rental or borrowed vehicles, but the extent varies by policy. Some drivers add rental reimbursement coverage for extra protection. Check with your agent before you rely on this coverage for a specific trip.

This coverage protects you if you're in an accident caused by a driver who has no insurance or not enough insurance to cover your injuries or damages. It can help pay for medical bills, lost wages, and vehicle repairs that the at-fault driver's coverage doesn't fully cover.

Classic and antique cars often need specialized coverage rather than a standard auto policy, since their value, usage, and repair costs differ from everyday vehicles. KW Insurance offers classic car coverage designed to protect these vehicles appropriately.

Motorcycle insurance typically includes liability, collision, and comprehensive coverage similar to auto insurance, along with options like coverage for custom parts, riding gear, and medical payments. Coverage needs vary based on how and where you ride.

In most cases, yes. ATVs and other off-road vehicles generally aren't covered under a standard auto policy and need their own policy to protect against damage, theft, and liability while riding.

RV insurance combines auto-style coverage for the vehicle itself with home-style coverage for the living space inside, since an RV can serve as a home away from home. This can include coverage for personal belongings, attached structures, and total loss replacement.

Boat insurance typically covers physical damage to the watercraft, liability for accidents or injuries involving the boat, and often includes coverage for trailers, equipment, and towing. Coverage needs vary based on the size, type, and use of the watercraft.

Comprehensive coverage typically pays for damage from hail, animal strikes, and similar non-collision events, which are common hazards on Montana roads. If your policy doesn't currently include comprehensive coverage, your agent can help you add it.

Rural driving can affect rates in different ways. Lower traffic density may reduce collision risk, but longer commutes, higher speeds, limited access to repair facilities, and a greater chance of animal strikes can all factor into how a policy is priced.

Yes, many carriers offer a multi-policy discount when you bundle auto insurance with home, farm, or ranch coverage. Bundling can also simplify your coverage by working with one agent across your policies.

Common discounts include bundling multiple policies, safe driving records, low annual mileage, vehicle safety features, good student discounts, and paying your premium in full. Available discounts vary by carrier, so it's worth asking your agent which ones apply to you.

You can add a new driver by contacting your agent with their license information and driving history. Adding a teen driver will typically affect your premium, but many carriers offer good student and driver training discounts that can help offset the cost.

Where you live and garage your vehicle affects your rate, so it's important to update your policy when you move. Failing to update your address could affect your coverage or claims if an accident occurs at a location different from what's on file.

It's a good idea to review your policy at least once a year, or any time you have a major life change, such as buying a new vehicle, adding a driver, moving, or paying off a car loan. Regular reviews help make sure your coverage still fits your situation.

You can request a quote by contacting the Sunburst or Shelby office directly or by filling out a quote request form on the KW Insurance website. An agent will review your vehicles, coverage needs, and driving history to put together options that fit your situation.