A young couple sitting in the open trunk of an SUV in a wooded area.

Auto Insurance

As your independent insurance agent, we pride ourselves on the ability to secure drivers the most dependable car insurance without the complications of a large insurance company.

Auto insurance protects you from loss in the event of an unfortunate accident. We use our insurance strategies to ensure you receive a comprehensive, custom-built policy that meets all of your car insurance needs.

We understand you want to be fully covered for a wide range of auto risks while keeping premiums and expenses in mind. Our insurance professionals review our list of available discounts and determine which ones apply to you. We provide you with quality auto insurance while making you and your unique needs our top priority!

Contact Us today to learn more about auto insurance and the discounts applicable to you.

Available Discounts

Safe Driver
You can receive a discount by staying accident and ticket free. Contact us for more information.

Multiple Cars
A discount may be available if an individual or married couple own two or more automobiles.

Annual Mileage
You could be eligible for a discount depending on your estimated annual mileage.

Drivers Education
A discount is available if an inexperienced driver listed on the automobile policy (not deferred) has completed an approved training course.

Smart Drivers Discount
If the driver has completed a company approved Advanced Driver Training Program we can check for any available discounts.

Good Student Discount
Discounts may be available if the student meets eligibility guidelines.

Student Away from Home
Depending on how far away a student attends school from home, there may be a discount available.

Green Discount
Go paperless and you may be eligible for a discount.

Paid in Full
We will check for any discounts if the policy premium is paid in full (at policy renewal).

Accident Forgiveness
Coverage may be purchased to waive and not assign points for at-fault accidents if certain conditions apply. Please contact the office if interested. Additional cost may apply.

Age 65 and Over
You may be eligible for additional discounts if the principle driver is 65 years of age or older, there are no inexperienced operators, and the automobile is not customarily used in business.

Auto/Home/Umbrella
If you have your automobile, homeowner, and/or personal umbrella insured with the same company, there are discounts available.
Get a Quote

Frequently Asked Questions

How much auto insurance do I need?

The right amount of auto insurance depends on your vehicle, finances, driving habits, and state requirements. Many drivers in Missoula, Montana choose coverage limits beyond the minimum requirements for added financial protection after an accident.

What auto insurance coverage is required in Montana?

Auto insurance requirements vary by state, but most states require liability coverage at minimum. Some states also require uninsured motorist coverage or personal injury protection. Drivers in Montana should review local insurance laws to make sure they meet current requirements.

What information is needed for an auto insurance quote?

To receive an auto insurance quote, drivers typically need vehicle information, driver’s license details, driving history, address, and coverage preferences. Insurance companies in Missoula may also ask about mileage and vehicle usage.

What is full coverage auto insurance?

“Full coverage” auto insurance usually refers to a policy that includes liability, collision, and comprehensive coverage. While there’s no official policy called full coverage, it generally helps protect drivers in Montana from both accident-related damage and non-collision events like theft, hail, or falling trees.

What is comprehensive coverage?

Comprehensive coverage helps pay for damage to your vehicle caused by things other than a collision. That can include theft, vandalism, fire, hail, flooding, or hitting a deer. Many drivers in Missoula add comprehensive coverage for extra protection against unexpected events.

What is collision coverage?

Collision coverage helps pay to repair or replace your vehicle after an accident, regardless of who caused it. This coverage is especially helpful for newer or financed vehicles and is commonly included in full coverage auto insurance policies in Montana.

What is underinsured motorist coverage?

Underinsured motorist coverage helps when the at-fault driver’s insurance limits aren’t high enough to fully cover your damages. This coverage can provide valuable financial protection for drivers in Missoula, especially after serious accidents.

What is medical payments coverage?

Medical payments coverage, often called MedPay, helps cover medical expenses for you and your passengers after a covered accident. Drivers in Missoula may use this coverage regardless of who caused the accident.

Does auto insurance cover hit-and-run accidents?

Hit-and-run accidents may be covered through collision coverage or uninsured motorist property damage coverage, depending on the policy. Drivers in Missoula, Montana should report hit-and-run incidents to police and their insurer quickly.

Does auto insurance cover vandalism?

Vandalism is usually covered under comprehensive auto insurance. Drivers in Montana with comprehensive coverage may receive help paying for damage caused by broken windows, graffiti, or other intentional acts.

The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.

Rollins Insurance Agency

1727 South Ave. West
Missoula, MT 59801

Phone: (406) 830-3073
Email: josh@rollinsagency.com

We are licensed to in Montana

Hours of Operation

Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 3:00 pm
Closed Saturday and Sunday

refer-a-friend

Location