Montana car insurance requirements may not provide you with enough coverage for a car accident in the Big Sky state.

The Big Sky state of Montana opted to not be different when it came to car insurance requirements.

Montana likes to be different, so while doing the research for this post I was half expecting to find that there was no required Montana car insurance. While Montana car insurance is not required to register your vehicle like it is in most other states, it is still required to drive. The only problem is that part of the required liability coverage for Montana car insurance is a little low.

Required Property Damage Liability for Montana Car Insurance

Like a lot of states, Montana requires a decent amount of medical liability coverage and not a whole lot of liability coverage for property damage. The property damage liability requirements only sit at $10,000. We have talked about how ineffective this minimum limit is before, but it never hurts to go over it again.

Regressing into a toddler, Mayhem is back for a little in-car distraction.

Summary

Commercial opens with Allstate’s Mayhem strapped into a toddler’s seat in the back seat of the car. His car seat requires the use of both seats in the back. He has a Sippy cup in one hand and his other hand in a bag of cheerios.

The start of a new year is the perfect time to perform an insurance check on your car insurance policy.

Performing an insurance check for the New Year could save you money.

All of us at Car Insurance Guidebook want to wish you all a very Happy New Year! We also would like to suggest that while you are getting your New Year’s resolutions together that you put “Perform Insurance Check” on your list. Over the years we get comfortable with our insurance and it just keeps renewing term after term.

Very few of us actually look at the coverages that we have on our declarations page and think about if they are enough. On the other side, you could also have insurance coverages on your policy that you no longer need anymore.

This is why doing an annual insurance check is important. What better time to do it than at the start of a new year!

Protecting your first love with Shelter Insurance is not a call to buy life insurance.

Summary

(Music playing) Commercial opens with a young man meticulously washing and cleaning his car in the driveway of a home. The scene changes to the inside of the home where the same young man is getting dressed for a special occasion. The scene changes again to the young man walking to his car with a bouquet of flowers. At this point we assume that he was cleaning his car for his date.

Is bubble wrap really a decent replacement for an insurance agent?

Summary

Commercial opens going through the door of the “Arbella Auto Insurance Therapy” office. Once through the door we see the therapist and also what we assume is his patient. The patient is sitting on a couch wrapped in bubble wrap.

Therapist: Feeling vulnerable?

Patient: (laughs) Oh, Yes. I bought my car insurance policy online, without an agent. Now I feel totally unprotected (sobs).

Scene changes to a home with a car driving up, screen is in a bluish tint. Onscreen is “SWITCH and when you combine auto and home, you could save 15% or more.”

Announcer: With a local Arbella independent agent you’ll get coverage that-well -covers you. Go to Arbella.com to find an independent agent near you.

Screen goes all blue and has the Arbella logo, with the Arbella catch phrases and “Arbella.com”

Announcer finishes and we go back to the therapist office where the patient tries to get more comfortable and crosses her legs. This makes some of the bubbles in the wrap pop.

Patient: (whispers) Excuse me.

Point of the Commercial

Arbella Insurance is driving home the point that buying insurance online is not always the best way to protect yourself. That when you do buy an insurance policy online you are left without the extra protection that an insurance agent can offer you that we don’t always think about.

What They Want you to Do

Arbella Insurance wants you to visit their website to see if there is an insurance agent that sells their insurance near you. I love it when companies make cut and dry commercials that tell you exactly what they want you to do; it makes for a much more effective advertisement.

My Opinion

This commercial has three things going for Arbella Insurance that make it a good commercial for this insurance company: humor, unforgettable visuals and telling the viewer directly what you want them to do after viewing the commercial. The humor and the unforgettable visual make the Arbella Insurance commercial stick in your head (don’t tell me you haven’t been thinking what would happen if you could wrap yourself up in bubble wrap). Telling you directly what they want you to do leaves little room for completely ignoring the commercial by wondering what the point was.

I give this commercial a thumbs up. Now, I wonder where I can buy enough bubble wrap to wrap myself in.