coverage that fights for you.
CAA Financial is an independent insurance agency in the Denver metro — we represent you, not a carrier. We compare auto, home, life and business quotes from more than ten national companies, then keep re-shopping your rate every renewal so good pricing doesn’t quietly become bad pricing.
10+ carriers compared
every line, one advisor.
From your first car to your fifth rental property, one CAA advisor quarterbacks all of it — so coverages line up, discounts stack and nothing slips between policies.
auto insurance
Liability, full coverage, SR-22s, teen drivers, rideshare endorsements. We compare safe-driver, bundling and pay-in-full discounts across carriers — the average household has more discounts available than its current policy uses.
home, renters & condo
Colorado hail is a fact of life — roof coverage details matter more here than almost anywhere in the country. We make sure wind/hail deductibles, replacement cost and water backup are right before you need them.
life insurance
Term and permanent options sized to what your family actually needs — mortgage payoff, income replacement, college, final expenses. Plain-English advice, no scare tactics.
business insurance
Business owners policies, general liability, commercial auto, workers compensation and professional liability for Denver-metro restaurants, contractors, shops and offices — explained in four languages.
umbrella & toys
Extra liability protection from $1M up, plus motorcycles, boats, RVs and classic cars. Umbrella policies often cost less per month than a streaming subscription.
landlord & specialty
Rental dwellings, short-term rentals, vacant property and hard-to-place risks. If a standard market won’t write it, we know the specialty markets that will.
the independent advantage, in real numbers.
A captive agent can only sell you one company’s policy — whatever it costs this year. As an independent agency, we hold appointments with Travelers, Progressive, Safeco, The Hartford, CNA, Liberty Mutual and more, so the carriers compete for you instead of the other way around.
And the comparison never stops. Our CAAF Connect® tools re-shop your rates before every renewal. If your carrier drifts upward — and in Colorado, they do — we already have the alternative priced before you ever see the renewal notice.
see how caaf connect works →
neighbors who stopped overpaying.
Cindy is the best insurance rep — amazing service and knowledge. She’s always there when I need her and has saved us a lot of money finding the best rates and plans.
The best insurance agent office in Colorado. Call Cindy!
Very knowledgeable, professional and friendly. They took the time to answer all my questions and found a policy that fit my needs and my budget.
insurance, minus the jargon.
Is CAA Financial an independent insurance agency?
Yes. We are an independent agency, which means we work for you — not for any single insurance company. We hold appointments with more than ten national carriers including Travelers, Progressive, Safeco, The Hartford, CNA and Liberty Mutual, and we compare their quotes side by side to find the coverage and price that fit you.
Does it cost anything to get a quote or use an agent?
No. Quotes are free and our advice costs you nothing — agencies are paid by the carrier you choose, at the same price you would pay buying direct. You get a professional comparing the market for you at no extra cost.
Can I switch insurance mid-policy, or do I have to wait for renewal?
You can switch almost any policy mid-term. Carriers refund the unused premium on a prorated basis, and we handle the timing so there is never a gap in coverage. We will tell you honestly whether switching now or waiting for renewal saves you more.
Will bundling my auto and home insurance actually save money?
Usually, yes — multi-policy discounts commonly run 10–25%. But not always with the same carrier: sometimes the best math is auto with one company and home with another. Because we represent many carriers, we can show you both options with real numbers.
What should I have ready for an auto or home quote?
For auto: driver's license numbers, vehicle VINs and your current policy if you have one. For home: the property address and year built. That is enough for us to start — we pull the rest. Most quotes take one short phone call.
Do you help with claims?
Yes. You file the claim with your carrier, but we stay in your corner — explaining what's covered, helping you document the loss, and following up if the process stalls. You are never alone with an 800 number.
Do you offer service in Spanish, Korean or Burmese?
Yes — our advisors serve clients in English, Español, 한국어 and မြန်မာ. Policies, quotes and claims help are all explained in the language you're most comfortable with.
if you can own it, we can cover it.
on the road & trail
auto insurance motorcycle insurance boat & watercraft insurance rv & travel trailer insurance atv & utv insurance snowmobile insurance classic car insurance sr-22 insurance rideshare insurance
where you live
homeowners insurance renters insurance condo insurance mobile & manufactured home insurance landlord insurance flood insurance
life & the irreplaceable
umbrella insurance term life insurance whole life insurance final expense insurance jewelry & valuables insurance pet insurance
ready to compare?
One short call. Ten carriers. Your best rate — or honest confirmation that you already have it.
Mon–Fri, 9am–5pm MT · 3033 S Parker Rd, Suite 750, Aurora, CO 80014