• What is the customer service phone number?

    Our friendly bilingual customer service staff is ready to help from 8:00 am to 6:00 pm CST, Monday through Friday. Policyholders and producers are welcome to call 866-424-9511 with questions or concerns about billing, underwriting, and other policy-related issues. If you need to report a claim or have questions about an existing claim, please contact our claims department, AFA Claim Services, at 800-299-5709.
  • Is my account number the same as my policy number?

    Yes. This information can be found on your insurance card and your declarations page, or by contacting your local agent.
  • How can I get a quote?

    You can contact our customer service line for information on how to find your nearest local independent agency.
  • How do I make a change to my policy?

    You can make changes to your policy by contacting your local agent.
  • How can I make a payment on my policy?

    You can make a payment at your nearest local independent agency or call our customer service line for more information. *Online payment functionality coming soon.
  • What if I’m involved in an accident?

    If you’ve been involved in an accident, please try to follow these guidelines:
    • First and foremost: remain calm.
    • Check for injuries and seek medical attention if needed.
    • If it is safe to do so, move the vehicles off the roadway.
    • Call the police to report the accident, no matter how minor the accident. Write down the name of the police department and the report number.
    • Gather information. Write down names, addresses, telephone numbers, and driver’s license numbers from other drivers and witnesses. Make a note of your location, vehicle license plate numbers, vehicle identification information (year, make, and model), and any damage. If possible, take pictures of the scene and the damages.
    • Do not admit fault. Do not discuss the accident with anyone except a company representative or the police.
    • It is important for you to contact us as soon as possible after an accident. You can report your claim by calling our customer service line at 866-424-9511 or by contacting our claims department directly at 800-299-5709. You can also send an email to
    *Submitting a claim on-line functionality coming soon.
  • How do I report a claim?

    You can report your claim by calling our customer service line at 866-424-9511 or by contacting our claims department directly at 800-299-5709. You can also submit your claim online through our website or send an email to *Online functionality coming soon.


  • Does everyone have to have auto insurance?

    Yes, most states mandate that a motor vehicle owner carry some minimum level of liability insurance.
  • How much auto insurance coverage do I need?

    An auto insurance policy can include several different kinds of coverage. Your local agent will provide professional advice on the type and amount of car insurance coverage you should have to meet your individual needs and comply with the laws of your state.
  • How does my driving record affect my insurance premium?

    Your premiums are calculated by many different factors in addition to the coverage options you chose. Each state operates differently and each company bases its rates on various factors. Generally, the better your driving record, the lower your premium.
  • How is the cost of insurance determined?

    Your cost for auto insurance varies, depending on many factors. Some examples include the type and amount of coverage you purchase, your driving record, the amount of miles you drive, and the number of years you have been driving. Depending on your state’s regulations, other considerations include the ages of the drivers on your policy, gender, and how many miles you drive. Some insurance programs may use your credit history to get a more favorable rate.
  • What is a premium?

    Premium is the price you are charged for coverage. The premium is based on the likelihood, frequency, and cost of potential accidents, including non-driving losses such as theft.
  • What is a deductible?

    The deductible is the amount of the loss for which you are responsible. The deductible can be applied in a number of ways: a specific dollar amount, a percentage of the overall claim, or a specific amount of time that must pass before the claim benefits are paid. Auto insurance deductibles are typically a specific dollar amount.
  • What is an endorsement?

    An endorsement is an amendment to the insurance policy that changes the policy’s coverage or terms. A typical example is the addition of another car or driver to your existing policy.
  • What discounts are offered by Bluefire?

    Multi-car, prior coverage, safe driver, prior in-agency coverage, renewal, EFT, and paperless, to name a few.
  • What are the different types of coverage that are offered?

    • Liability Coverage – The part of your policy that covers injuries and property damage that you, the insured, caused someone else. Auto Liability Coverage is compulsory in most states. This means you are required to have it in order to drive. State law usually sets the minimum required liability coverage amount. Additional coverage can also be purchased. Auto Liability Coverage does not provide any coverage for damage to you or your property; it only covers someone else (third-party) if you cause the damage. Liability coverage has two separate coverage types: bodily injury and property damage. Making sure you have adequate coverage is very important because your policy will pay up to certain limits only. If the cost of the damage is greater than the policy limits, you will be responsible for the additional costs.
    • Collision Coverage – The part of your policy that covers the damage to your car from an accident. If a claim occurs, you would receive the cost of repairs, minus your deductible.
    • Comprehensive Coverage – The part of your policy that provides coverage for your car if the damage is caused by something other than a collision with another car (e.g. fire or theft).
    • Medical Payments Coverage – The insurer agrees to reimburse you and/or others up to the specified limit for medical or funeral expenses as a result of bodily injury or death from an accident. Payments under this part of your policy are made whether you are at fault or not.
    • Personal Injury Protection (PIP) – The part of your policy that provides payment to you and your passengers to treat injuries that result from an accident.
    • Uninsured Motorist Coverage – The part of your policy that protects you from uninsured drivers and hit-and-run drivers. If you are in an accident that you did not cause and cannot collect from the at-fault party, this coverage provides for your bodily injury and property damage. This coverage sometimes has separate limits and deductibles.
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