Darin Zier

It's a pleasure to be a member of the Highlands Ranch Chamber of Commerce. This gives us an opportunity to meet other businesses and people that help grow our business as well as giving us outlets to serve a community and give back.

Vet visits are twice as expensive as they were 10 years ago, but that shouldn't keep you from giving your pet the best care.

User friendly quote and purchase with personal service from the Darin Zier Agency team to make your customer experience the best possible.

Everyone wants to have good insurance. But we don't want to pay much for it and we hope we never have to use it. For those that have been fortunate to go for years without automobile accidents or severe damages to our homes, insurance has just been a cost. Insurance companies charge you a premium to offset the risk of a loss. This could be material damages like a dented fender, broken headlights on our vehicles or damaged roofs, windows and siding on our homes. Or it may be a loss where we are liable for damages to others. However, when the term of our policy goes by and there hasn't been an accident, the insurance company is not giving us back that money. That's their charge for taking on those financial risks that most of us cannot take on ourselves entirely. And in the end when you haven't needed your coverage, you've bought yourself piece of mind. Doesn't that feel better? The deductible is the portion of a loss we are responsible for primary to the insurance company paying out. By carrying higher deductibles we save premium that we pay since we are taking on more risk in the event of a loss. When you combine higher deductibles on home and auto insurance together, there can be a substantial savings. Take your savings and put it into a special deductible fund. Darin Zier Insurance Agency specializes in structuring coverage like this. If and when you have a claim, you'll have saved up money specifically to fund your deductible. If you don't have a claim, then you've paid yourself. After years of being claims free you'll have something to show for your savings rather than paying higher rates for coverage you don't use. Keep your piece of mind and keep your money for yourself! Contact us at (303) 978-1770.