Call or Text Grace — 720-984-7311
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Denver, Colorado — Independent Brokerage

Better Coverage. Lower Rates. More Options.

Fox Insurance is a local, independent brokerage serving all of Colorado. We shop 14+ top-rated carriers to find the right policy at the right price — with personalized service you can actually count on.

Call or Text — 720-984-7311

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14+ Top Carriers
Same-Day SR-22 Filing
No Prior Insurance? No Problem
Local & Independent
Serving All of Colorado
100% Committed to You
How It Works

Three Steps to
Better Insurance

01

Tell Us Your Situation

Call, text, or fill out our quote form. Grace takes the time to understand your specific needs — no scripts, no pressure.

02

We Shop 14+ Carriers

As an independent broker, Grace compares options across all our top-rated carriers to find your best combination of coverage and price.

03

You Choose, We Handle the Rest

Once you select your policy, we take care of everything — including same-day SR-22 filings in most cases. Simple as that.

SR-22 Specialist — Same-Day Filing Available

Need an SR-22?
We Make It Easy.

An SR-22 is not insurance — it is a certificate filed with the Colorado DMV proving you carry the required coverage. We file same-day in most cases, at rates that fit your budget, with zero runaround.

DUI or DWI

Required after a DUI or DWI conviction in Colorado

Multiple Violations

Three or more traffic violations within a 12-month period

No Insurance

Caught driving without proof of valid auto insurance

Suspended License

License suspended or revoked by the state of Colorado

Get SR-22 Help Today
Same-DayFiling in most cases
AffordableCompetitive rates
All ColoradoDMV filings statewide
ExpertGuidance every step
No Prior Insurance

No Prior?
No Problem.

"Better coverage. Lower rates. More options. That’s the Fox difference."

Get Covered Today
How We Help

We Work With Carriers
That Say Yes

Many insurance companies require prior coverage — but not all of them. As an independent broker, Grace works with 14+ carriers and knows exactly which ones have options for drivers who are starting fresh.

1

Multiple Carrier Options

We shop 14+ top-rated insurance companies to find the right fit for your specific situation, no prior coverage needed.

2

Smart Coverage, Real Savings

Get the protection you need at a price you can afford. No prior insurance does not mean you pay more than necessary.

3

Personalized Support

Grace guides you every step of the way — no pressure, no jargon, no runaround. Just honest, straightforward help.

Coverage

Insurance Built for
Every Colorado Life

From the Front Range to the Western Slope, we protect what matters most. As an independent broker, we compare so you always get the best.

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Auto Insurance

Personal vehicles, fleets, and high-risk drivers. We shop 14+ carriers to find the right rate. No prior insurance is no obstacle.

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Commercial Insurance

General liability, commercial auto, and workers’ comp. One broker, complete business protection across all of Colorado.

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SR-22 Filing

Same-day SR-22 certificates filed directly with the DMV. Fast, affordable, and completely stress-free.

Learn More →

Home & Renters

Homeowners, renters, condo, and landlord policies. We compare the market so your home and belongings are fully covered.

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No Prior Insurance

Starting fresh with no coverage history? We work with carriers that have excellent options for drivers in your situation.

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Condo & Landlord

Specialized policies for condo owners and rental property landlords. Protect your investment with the right coverage.

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Common Questions

Answers You
Need, Fast

Have a question not answered here? Call or text Grace directly at 720-984-7311 — real answers from a real person, not an automated system.



Contact Grace Directly
An SR-22 is a certificate filed with the Colorado DMV proving you carry the state-required minimum auto insurance. You may need one after a DUI or DWI, multiple traffic violations, being caught driving without insurance, or having a suspended or revoked license. We file same-day in most cases.
Absolutely. Many carriers require prior coverage, but not all of them. As an independent broker, we work with 14+ companies and know exactly which ones have excellent options for drivers starting fresh with no prior insurance history.
Most quotes are turned around the same day. Call or text 720-984-7311 or fill out our form and Grace will respond within one business day with options tailored to your situation.
When you go direct to one carrier, you only see their options. Fox Insurance shops 14+ top-rated carriers simultaneously, so you get the best coverage at the lowest price available to you — with a real local person handling everything.
Yes — Fox Insurance is licensed to serve clients throughout the entire state of Colorado. Whether you are in Denver, Colorado Springs, Fort Collins, Pueblo, Grand Junction, or anywhere in between, we can help you.
Our primary carriers are Progressive, Bristol West, and Liberty Mutual. We also work with GEICO, Travelers, Nationwide, The Hartford, Kemper, Foremost, Hagerty, Branch, Burns & Wilcox, Berkshire Guard, Obie, Lemonade, Mercury, Allstate, and Safeco — 14+ carriers in total.
Our Network

Top-Rated Carriers
We Shop For You

As an independent broker, we are not tied to any one company. We compare across 14+ carriers to find your best option every single time.

GEICOTravelers NationwideThe Hartford KemperForemost HagertyBranch Insurance Burns & WilcoxBerkshire Guard Obie InsuranceLemonade Mercury InsuranceAllstateSafeco

*We are not affiliated with or endorsed by any insurance carrier or government agency.

Grace DeMichelis — Fox Insurance Brokerage
Meet Your Broker
Grace DeMichelis
Local Independent Insurance Broker — Denver, Colorado
"Better coverage. Lower rates. More options. That’s the Fox difference — and your peace of mind is my priority."

Fox Insurance Brokerage is a Colorado-based independent agency. Being independent means I work for you — not the insurance companies. I compare options across 14+ top-rated carriers to get you the best coverage at the best price, whether you are in Denver, Colorado Springs, Fort Collins, or anywhere across the state. Real people. Real results.

Work With Grace
Client Reviews

Real People.
Real Results.

"Grace found us better coverage at a lower rate than we had before. Her attention to detail and commitment stood out from the very first call. We have already referred several friends."
Verified Client
Auto Insurance — Denver, CO
"I needed an SR-22 fast and Grace had it filed the same day. No runaround, no pressure — just professional service from someone who genuinely cares."
Verified Client
SR-22 Filing — Colorado Springs, CO
"As a small business owner I needed commercial coverage fast. Grace compared multiple carriers and saved me significantly on my monthly premium. Highly recommend."
Verified Client
Commercial Insurance — Fort Collins, CO
Get In Touch

Request Your
Free Quote

Fill out the form and Grace will respond within one business day. No obligation, no pressure — ever. Or reach out directly below.

Thank you — Grace will be in touch within one business day.
File a Claim

How to File a Claim

File directly with your carrier using the information below. If you need help or are unsure which carrier you have, Grace is always a call away.

Questions? Call Grace — 720-984-7311

Primary Carriers

File Directly With
Your Carrier

Fox Insurance primarily works with these three carriers. Find yours and use the direct links below to file your claim.

Primary Carrier

Progressive

Phone — 24/7
Mobile App
Download the Progressive app and navigate to Claims
Text
Text CLAIMS to 1-800-776-4737

File with Progressive →
Primary Carrier

Bristol West

Online
bristolwest.com → File a Claim
Phone — 24/7
Online Portal
Log in with your policy number at bristolwest.com
Have Ready
Policy number, date and location of incident, other party info

File with Bristol West →
Primary Carrier

Liberty Mutual

Phone — 24/7
Mobile App
File, track, and manage claims from the Liberty Mutual app
Virtual Estimate
Photo-based estimates available — no shop visit required in many cases

File with Liberty Mutual →
After an Accident

What to Do Next

01

Stay Safe

Move to a safe location and check for injuries. Call 911 if anyone is hurt.

02

Document Everything

Photograph all vehicles, the scene, damage, and road conditions.

03

Exchange Information

Get the other driver’s name, insurance, license plate, and contact details.

04

File a Police Report

In Colorado, file a report for accidents involving injury or significant damage.

05

Contact Your Carrier

Use the numbers above to file your claim as soon as possible.

06

Call Grace if Needed

Need help navigating your claim? 720-984-7311