☰ ˟
Appointments Call Us
Logo
  • Our Agency
    • AboutImage of right arrow
      • Staff
      • Our Locations
    • Get A Quote
    • Contact UsImage of right arrow
      • Soda Springs
      • Malad Idaho
      • Smithfield Utah
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Earthquake Insurance
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Farm & Ranch InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Farm Equipment Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Disability Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Supplemental Insurance
      • Disability Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Construction Insurance
      • Specialty Trade Contractors Insurance
      • Convenience Store and Gas Station Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Retail Insurance
      • Scrap Metal Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Loss Control Insurance
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
      • Bonds
      • Fidelity Bonds
      • Surety Bonds
    • Commercial Property & Casualty
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Contact Us
    • Soda Springs
    • Malad Idaho
    • Smithfield Utah
    • Locations & Hours
    • Get A Quote
Get A Quote Home
Get A Quote Auto
Get A Quote Commercial
Get A Quote Commercial Auto
Get A Quote Farm & Ranch
Get A Quote Crop
Home > Products > Auto / Car Insurance - Smithfield UT & Logan UT

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Information


At Mountain States Insurance Group, we know that your car is one of your prized possessions. One of the best ways to protect your vehicle and financial health is to ensure you have the right auto insurance policy. The team at Mountain States Insurance Group is here to help you navigate your auto insurance needs and find a quality policy that provides the coverage you need at an affordable price. Give us a call today to get your obligation-free quote.  

How Auto Insurance Works 

When you purchase an auto insurance policy, you enter into a contractual agreement with the insurer. You agree to pay premiums to the insurer—which are determined based on a variety of factors, including your vehicle’s value, where you live, credit history, past claims history and coverage selected—in exchange for the insurer providing protections to you as defined by your policy.  

Should you experience an accident or other covered loss during your policy’s term, you may be able to file a claim against your policy. Depending on the nature of the claim, you may need to pay your deductible before insurance steps in and covers the rest of the costs. Additionally, your policy may have limits on how much it will cover.  

What Do Auto Insurance Policies Cover? 


What is covered under your personal auto insurance policy depends largely on the coverage you’ve chosen. Every person’s auto insurance needs are unique, and what is right for you may not be right for another person. Here is a list of some common types of auto insurance coverage:  

  • Collision insurance—This type of coverage may help cover the cost of repairing or replacing your vehicle after it has sustained damages in a collision-related wreck.
  • Liability insurance—This coverage may protect against liability costs, such as third-party bodily injury or property damage that you may have caused.
  • Property damage liability—This coverage may pay for damage to the other driver’s property (e.g., their car).
  • Bodily injury liability—This coverage may aid in paying for medical bills and sometimes death benefits for the other person involved in the wreck.
  • Medical payments (MedPay) insurance—This type of coverage may assist with the medical bills of you and your passengers if you are involved in an accident.
  • Uninsured/underinsured motorist insurance—This coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto liability insurance.
  • Comprehensive insurance—This type of insurance may provide coverage for the costs of repairing or replacing your vehicle if it is damaged in a noncollision event.



Some auto owners opt to purchase additional coverage to round out their policies. Reach out to Mountain States Insurance Group to determine what coverage may be available to you.  

What Type of Auto Insurance Is Required by Law? 


Every state in the country imposes its own auto insurance requirements. In Idaho, drivers are required to purchase minimum amounts of auto liability coverage. Additionally, insurers are required to offer drivers uninsured/underinsured motorist coverage, but drivers are not required to add this coverage to their policies. Please note that all laws are subject to change without notice. Work with Mountain States Insurance Group to find out the most up-to-date information surrounding Idaho’s mandatory auto insurance laws.  

How to Get Auto Insurance 

Our agency is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or get a quote.  

 

Insure Your Needs
Resources
Products
Payment Options
About Us
Refer A Friend
Review Us
Blog
Contact Us
Contact Us
Soda Springs
30 East 2nd South
Soda Springs, ID 83276
© Copyright. All rights reserved. Powered by Insurance Website Builder.