Do I need to raise my auto coverage limits in Montana?

Someone told me I should raise my coverage limits. I currently carry the state-minimum limits for Montana. Is it really necessary to raise my limits?

Answer
“Raising your limits can be beneficial. By carrying higher limits, you are ensuring that you are fully protected if there’s an accident. Carrying only the state minimum car insurance typically doesn’t offer enough coverage after an accident.
Medical bills alone can often exhaust coverage. If you are considering raising your limits, you should be sure that they protect your current and future assets. You want to get the highest amount of coverage you can afford.
Depending on your situation, you may benefit from having both comprehensive insurance and collision car insurance.
If you’re concerned about the cost, you can compare prices. It is possible to find cheap car insurance even with higher coverage limits. “
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Emily Maracle
Answered on May 14, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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