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Car Insurance FAQ’S
Car Insurance FAQ How much coverage do I need? Every person and family has different insurance needs.  A good rule of thumb is to purchase as much liability protection as you can afford. Other things to think about: 1. Does your bank require certain levels of coverage? 2. Do you have a large vehicle that could cause more damage? 3. How much can you afford to pay before insurance “kicks in” in the event of a claim? When will I get my auto insurance ID Cards? You can receive temporary auto insurance ID cards when your policy is bound. Permanent ID cards are generally mailed from the insurance company 1-3 weeks after the policy has been bound. What date are my monthly insurance payments due? Most insurance payments are due at one month intervals starting from the date that your policy was started. How can I reduce my auto insurance premium? Many factors are used to determine your insurance premium. Below are some factors that you can control to help reduce your prices: 1. Keep your driving record clean (tickets can increase your rates) 2. Keep your claims record clean (both small and large claims can increase your rates) 3. Insure more than one vehicle with the same company 4. Keep your Home and Auto insurance with the same company 5. Choose higher deductible amounts 6. Maintain increased liability limits 7. Keep your annual vehicle mileage to a minimum 8. Any students should maintain a “good student status” 9. Purchase an alarm for your vehicle What do I do if I’m in an accident? Move out of the way of traffic and turn on your hazard warning lights Call the police even if it is a minor accident Request medical assistance if there are any injuries Exchange necessary information with the other driver, including: Name, Address, Phone Numbers, Vehicle Information, and Insurance Information Take pictures of the vehicles involved and of the general location of the accident Call the claims number located on your ID card immediately
Loveland Office: 970-222-7202
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Leivestad Agency
Denver Office: 303-500-3386
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