Resources & carrier contacts
Need to report a claim or make a payment? Find your carrier's numbers and online account link below, or call us and we will help.
Manage my account
Customer service and claims numbers for many of the carriers we work with.
Phone numbers and links are provided for convenience and are maintained by each carrier. If a number does not work, call our office at (303) 978-0992.
Driving resources
General insurance questions
What are the advantages of using an agent to buy insurance?
An agent gives you personal service and a direct contact, which is valuable when you buy a policy and essential when you file a claim. A local independent agent can compare multiple carriers to deliver quality coverage at a competitive price.
Should I package my home and auto insurance with the same carrier?
Usually, yes. Most carriers discount both policies when they are packaged together, and if a single event involves both home and auto coverage, having one carrier handle it is simpler for everyone.
When is it time to update my coverage?
We recommend a Personal Insurance Review once a year, and any time you have a significant life change: marriage or divorce, a new baby, starting a home business, home improvements, or buying jewelry, antiques, electronics, or other valuable items.
What is a deductible?
A deductible is the amount you pay out of pocket on a claim before your insurance coverage begins to pay.
Will my premium go up if I file a claim?
It depends on your recent claims, loss history, and the type of claim. At-fault claims often remove discounts such as claims-free or safe driver discounts and may add surcharges. Every situation is different, so call us before you file if you are unsure.
Why does my premium go up even though I haven't had any claims?
Rates are based on losses across all policyholders. When claims and repair costs rise statewide, carriers raise prices across the board. When that happens, we can re-shop your coverage with other carriers.
Why won't insurance repaint my whole car or replace all my siding when only part is damaged?
Most policies cover only the items directly damaged by a loss. This keeps premiums affordable while still restoring you to your condition before the loss.
Find out what better coverage costs.
Tell us what you want to protect. We compare carriers, explain the trade-offs, and come back with clear options.