All of these questions can be answered by an independent insurance agent. Why? We work for you not the carrier. Meaning, you get an insurance advisor that can work with multiple auto insurance, home insurance and business insurance policies designed for you. This saves you premium and is much more cost effective over the long run.Insurance companies raise premiums when they are not profitable. Period. They are not all doing rate increases because they have been priced above average for several years. This is a good thing.Call me to discuss your auto and home and business insurance in Denver Colorado Today.Office 303-932-1700Email rcline@insuranceaai.comWebsite www.rickclineagency.com