Cochrane Insurance Agency Newsletter
June 2012
I hope that you find these articles of interest. If you have a topic for future discussion, please let me know. Please call anytime we can answer questions or be of help with your business or personal insurance needs.


Rick Cochrane
Cochrane Insurance Agency
1075 N. Rodney ste 106
Helena, MT 59601


Cochrane Insurance Agents



We always appreciate your valuable feedback!

We value our relationships and would like your opinion about our agency. Any suggestions? improvements? compliments? We would appreciate hearing from you.

best insurance rates montana

Did you know ...
Our office operates differently than most Insurance Agencies. We do not have any commissioned salespeople. Everyone is paid a salary rather than commission. We do this to make sure that your best interest always comes first rather than a paycheck. We are all Licensed Customer Service Representatives FIRST and then we have additional duties.

Corral Fire Helena, MT

There are several dangerous fires burning in Montana right now. Several hundred people were evacuated yesterday as the Corral Fire spread quickly from high winds and low humidity. Hundreds more were on evacuation standby. Here are a couple of things to remember if you find yourself in this situation.

  • Your property can be replaced. You cannot be! Please leave quickly when asked.
  • Almost all homeowner’s policies have coverage that will pay for your expenses during the evacuation.  If we are your agent, call us as soon as you are safe. We can help.
  • Even if your home is not touched by the fire, you may still have smoke and water damage. This is also covered by your homeowner’s policy and the sooner we can get a claim adjuster assigned, the quicker we can get you back in your home.

The 4th of July is coming very soon and nobody loves the fireworks more than I do. However, due to the extreme fire conditions, Gov. Schweitzer has urged people to not shoot off fireworks this year. I have to agree with him.

Eight Danger Zones

Eight teens a day are killed in car crashes.  Make sure your young driver is aware of the leading causes of teen crashes, and put rules in place to help your teen stay safe. 

  • No. 1: Driver inexperience. Most crashes happen during the first year a teen has a license. Provide at least 30 to 50 hours of supervised driving practice over at least six months. Make sure to practice on a variety of roads, at different times of day, and in varied weather and traffic conditions. This will help your teen gain the skills he or she needs to be safe.

  • No. 2: Driving with teen passengers. Crash risk goes up when teens drive with other teens in the car. Follow your state’s teen driving law for passenger restrictions. If your state doesn’t have such a rule, limit the number of teen passengers your child can have to zero or one. Keep this rule for at least the first six months.

Fact: A Parent-Teen Driving Agreement Sets the Rules of the Road

Discuss your rules of the road with your teen. Talk about why they are important to follow, as well as consequences for breaking them.  Believe it or not, your children listen to you, particularly when they know you have their best interests at heart.  Reinforce your talks by working with your teen to create a parent-teen driving agreement.

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The purpose of this newsletter is to provide information about industry trends and news of general interest to our clients, potential clients and other professionals. Information about product offerings, services, or benefits is illustrative and general in description, and is not intended to be relied on as complete information. While every attempt is made to ensure the accuracy of the information provided, we do not guarantee the accuracy of the information.

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