If you live in Denver, CO and you want to call a friend in Henderson, CO, you can try calling them between 7:00 AM and 11:00 PM your time. This will be between 7AM - 11PM their time, since Henderson, Colorado is in the same time zone as Denver, Colorado.
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Comprehensive coverage comes with a deductible, meaning you'll pay some out-of-pocket costs to fix your car and Allstate will cover the rest up to the actual cash value of your car. Deductible amounts range from $0 to $1,000. Choosing the right amount depends on how much you're comfortable spending and how much your vehicle is actually worth.