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Auto Insurance

Providing peace of mind behind the wheel.

Auto Insurance Coverage

Our car insurance has coverage for comprehensive, collision, and liability exposures. In addition, various deductible options and discounts allow you to customize your policy to meet your needs.

Liability Insurance

Provides bodily injury and property damage to others when you are legally liable for an accident.

Example: You rear-end another car, causing damage to the vehicle and injuring the driver. We'll pay for, up to your policy’s limits, the other driver's car repairs and injuries. There’s no deductible for liability.

Comprehensive & Collision

Comprehensive pays to repair or replace your car if it’s damaged from an incident not caused by collision. This coverage also includes windshield chip repair; and $50 per day for a rental vehicle if your vehicle is stolen.

Collision pays for damage to your vehicle resulting from a collision or rollover.

Example (Comprehensive): Your car is totaled after hitting a deer.

Example (Collision): You're backing out of your garage and accidentally hit your garage door causing damage to your vehicle.

Medical Payments

Covers reasonable medical payments or funeral expenses incurred as a result of an accident for each occupant of an insured vehicle.

Example: Your newly-licensed 16-year-old daughter drives her sister to school, and they're in an accident. Your younger daughter is injured and has medical bills. Medical payments will cover the bill, up to the limits of your policy. No deductible applies.

Uninsured & Underinsured Driver

Provides bodily injury coverage when you are injured as a result of an uninsured motorist’s negligence, or when the other vehicle does not have high enough limits to cover the injuries caused by their negligence.

Example: An uninsured driver runs a red light, hits your vehicle and you need to be transported to the hospital. Your uninsured driver coverage can pay your medical expenses and wage losses.

Emergency Roadside Service

Looking for peace of mind every mile? With a coverage limit of up to $250, you will have access to award-winning roadside assistance, 24x7x365, from one of the largest networks nationwide!

Emergency Services Include:

Emergency Roadside Services

For all your Emergency Roadside Service needs, call:

1-888-292-3308

Auto Insurance Discounts

Are you looking for quality car insurance that you can afford without sacrificing coverage? Mountain West is proud of the high-quality products and services we offer. The following discounts reflect our commitment to offer these products at an affordable rate without sacrificing coverage.



Premier Auto Insurance

Take your auto coverage to the next level!

With Premier Auto, you will receive more coverage than a standard auto policy. You will receive enhanced coverage for items such as:


Rental Car Expenses
Up to $1,000 for rental expenses when your auto is involved in a covered comprehensive, collision or theft loss.
Glass Breakage
When your auto sustains glass breakage to the windshield, side glass or sunroof, your deductible for replacement of the glass is only $100. *exclusions apply
Personal Property
Up to $500 for damage to your personal property or property of others because of a covered comprehensive or collision loss.
Pet Protection
Up to $1,000 per occurrence for veterinarian bills or burial costs for your pet as a result of a covered comprehensive or collision loss. *exclusions apply
Meals and Lodging
Up to $500 for meals and lodging if you are traveling and your auto is involved in a covered comprehensive or collision loss. The loss or accident must occur over 100 miles from where your auto is principally garaged.

Special Equipment

Don’t leave your vehicle only half covered!

If you have invested time and money into your autos, you may not be adequately covered. Your policy provides $3,000 for Special Equipment on your auto or trailer when involved in a covered loss. That’s why we have a Special Equipment endorsement to increase the amount to fit your needs for the special equipment you may have.

What is Special Equipment?

Special equipment includes but is not limited to:

  • Toppers
  • Grill Guards
  • Electronic Equipment
  • Lift Kits
  • Custom Wheels
  • Custom Paint
  • Lights
  • Handicap Equipment

Special Equipment means any equipment or devices that alter the:

  • Appearance
  • Performance
  • Function of your insured auto or trailer

It does not mean any:

  • Original manufacturer equipment, furnishings, or parts.
  • Any replacement of original manufacturer equipment, furnishings, or parts with other items of like kind and quality.

Talk to your local Farm Bureau agent to see if you need to increase your Special Equipment coverage!

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