Thank you for visiting the auto insurance section of our website. KDM Insurance is a full service insurance agency offering personalized advice and risk management solutions for your insurance needs. Whether it’s auto insurance for a new driver, looking for ways to decrease monthly premiums for your family or bumper to bumper coverage on a corporate business account, we are here to assist you and get the best coverage for the best price available.
Since we are independent brokers, we can offer quality solutions from a variety of providers that best fit your specific needs at no extra cost to you. Our years of experience and commitment to excellence and personal customer service, along with the most current quoting technology available, is what makes us stand out from other agencies.
Located in Northern Colorado, we are able to personally serve our clients in Fort Collins, Loveland, Windsor, Greeley and up and down the front range area. Easy access to our website allows us to further service clients throughout Colorado providing around the clock service wherever you live.
Call us today at 970-225-8282 or visit our website at contact us. We look forward to adding you to our list of happy satisfied clients.
No one can predict exactly how much you would have to pay if you were to cause an accident. Ask yourself how you would pay for any damages exceeding your coverage limits. The higher your liability coverage limits are, the more likely your policy will be able to pay all of the damages.
Should you raise your deductible?
A higher deductible lowers your auto premium; however, you risk paying more out-of-pocket expenses if you suffer a loss and file a claim. If higher claims payments are a concern, consider stashing away the money you save by raising your deductible so it’s available should you need it.
What are typical auto policy coverages?
A car insurance policy typically provides coverage for liability, collision, comprehensive and medical expenses or personal injury protection.
What Affects Car Insurance Prices?
What kind of car you drive - Generally, the more expensive the car, the more you pay.
Where you drive - Generally, due to higher rates of vandalism, theft, and accidents, urban drivers pay more for auto insurance than those in small towns or rural areas.
How much you drive - People who use their car for business and long-distance commuting normally pay more than those who drive less.
Your age, sex and marital status - Accident rates are higher for all drivers under age 25, especially young males and single males. Insurance prices in most states reflect these differences.
Your driving record - Drivers who cause accidents generally must pay more than those who are accident-free for several years.
Your credit history - Studies have shown that credit history is a powerful predictor of future auto insurance losses. Many insurance companies consider certain credit characteristics in addition to many other factors when determining an individual's rate.
When renting a vehicle, are you covered by your car insurance policy?
In most cases, whatever coverage and deductibles you have on your own car would apply to a rental not being used for business. If you have dropped either comprehensive or collision coverage on your own car, however, you will not be covered if your rental vehicle is stolen or damaged in an accident. Before renting a car, please call your insurance agent and credit card company to determine the precise conditions of your coverage.
Will a speeding ticket from another state affect your auto insurance?
All States as of 2005 are required through New Federal Regulation to comply with and make available to all other states reciprocal driver records. It is not a matter of a ticket needing to be reported to your state anymore. The computer reports you. If the infraction occurred then the information is entered into the newly integrated driver’s record databases.
What is no-fault insurance?
No Fault Insurance is insurance that covers stated risks regardless of fault, the term is often applied to various accidental injury policy forms The term is also used in auto insurance in some states applicable to certain medical coverages though is usually practiced with limitations or in hybrid form.
If you are charged with a DUI, how does it affect your auto insurance?
It depends on the insurance company. Despite popular controversy there is no guarantee of what exactly will happen. When it's time to renew your policy, the rates may be considerably higher and in some cases could be cancelled. Some companies will still insure you as long as you provide an SR-22 certificate of financial responsibility. Others will at minimum report this to their insurance company’s network, which could cause problems for you later down the line. Check with your agent to get all your options.