WARNING. DO NOT WORK WITH FRED LOYA. All the branches in least Fort Collins are very VERY unprofessional. We had ran into a situation where I had gotten in an auto vehicle accident, and having them try and "help" me was the most TERRIBLE experience ever, mind you I have full coverage on my vehicle through them. They declined coverage, and absolutely HAD NO CLUE on what to do next and the next steps. I DID THEIR JOB for them and explaining what happens. The people that works at the branches absolutely have no clue what their doing. I think they should most definitely not be working there. The girls that I talked to were air heads not knowing a word that was coming out my mouth. I didn't have the time nor day to talk to air heads nor explain what their job was, I had to speak to their manager and even getting ahold of the manager they absolutely did not know how and who that would be. & this is only one of the many terrible situations we've ran into them. We got over it and just paid the $150 difference to switch to Statefarm now. read more