Best Colorado Insurance, Full Coverage For Two Vehicles

Intro Into This Colorado Insurance Policy

Getting full coverage on two financed vehicles can feel like a lot… especially when you want the right deductibles, towing and rental, and a payment that fits your budget. In this story, a Colorado couple called to set up full coverage on a late-model crossover and a family SUV. With an agent walking through options step by step, they compared carriers, dialed in deductibles, enrolled in paperless billing, and received same-day ID cards. And had a up and running Colorado Insurance in less than 30 minutes!

Need coverage for multiple vehicles today? We can quote, bind, and text ID cards in minutes once payment and signatures are complete.

Driver & Household Info

Two adult drivers share a household in Colorado. Both commute short distances, mostly personal use. Because both vehicles are financed, the lenders require comprehensive and collision with specific deductibles. The household prefers paperless billing and light, helpful notifications, not spammy alerts.

Vehicle Details

• Crossover, recent model year — modern safety features, daily errand and work trips, financed through the manufacturer’s finance arm.
• Full-size SUV, earlier model year — equipped with advanced safety tech, financed through a national credit union.
  Both are used for personal driving, no rideshare or delivery, no current damage beyond normal wear and tear.

Full Coverage Goals

The callers wanted full coverage on both vehicles, with practical add-ons for everyday life.

What they asked for

• Comprehensive and collision on each vehicle ( comprehensive and collision is what makes full coverage, full coverage)
• Deductibles to compare: $500 vs $1,000
• Towing and labor add-on, set at $50 per disablement
• Rental reimbursement at $40 per day up to the stated limit
• Paperless billing for convenience and a small discount
• Declined uninsured and underinsured motorist and medical payments at this time, with the option to revisit later

Unsure which deductible to pick? Ask us to price both 500 and 1,000 side by side so you can see the real monthly difference.

Shopping The Market

The agent checked multiple carriers. One carrier initially appeared inexpensive before all coverages migrated correctly, but after reports and final coverage alignment, a different national carrier offered the better overall value and experience.

Illustrative outcomes discussed on the call

• With $500 deductibles on both comprehensive and collision, six-month totals landed higher.
• Moving to $1,000 deductibles reduced the six-month total by a few hundred dollars and lowered both the start payment and monthly figure by a noticeable, meaningful amount for the household.
• Paying in full would save more over the term, but the family chose a low start payment and predictable monthly.

Final figures vary by driver, vehicle, garaging, and reports. The takeaway is that a $1,000 deductible can be a practical lever to bring the monthly within budget while keeping full coverage intact for lender requirements.

Want to lower your six-month total? Consider the $1,000 deductible option and compare pay-in-full versus monthly to see which saves more for your situation.

Telematics, Photos, And Documents

The agent explained telematics options. Phone-based apps can ding for motion that looks like phone use, while plug-in devices can be a better fit for some households. The drivers opted to try the plug-in version, understanding the upfront discount and how driving behavior may adjust future renewals.

To speed up any future claim and document the vehicles’ pre-policy condition, the agency requested four exterior photos per vehicle, front, rear, and both sides. Documents were delivered immediately by email, and ID cards were texted for instant proof.

Discounts & Admin Details

• Paperless enrollment helps trim costs and speeds delivery.
• Auto-pay via bank can be a few dollars less than card drafts, though card is fine for the down payment.
• Multi-vehicle savings applied.
• Lienholder details were added for both vehicles so the lender receives proper proof of insurance.

Prefer fewer envelopes in the mailbox? Go paperless and keep everything in your email and app.

Key Takeaways / Tips For Shoppers

• Finance rule: Lenders nearly always require full coverage with set deductibles. Confirm the exact amounts before binding.
• Use deductibles as a lever: $1,000 deductibles often lower the monthly without sacrificing lender compliance.
• Add practical extras: Towing at $50 per disablement and rental at $40 per day are budget-friendly lifelines during repairs.
• Choose your telematics: If apps frustrate you, ask about plug-in devices for driver scoring and discounts.
• Paperless and auto-pay: Small discounts add up over six months and keep billing smooth.
• Get photos now: Quick exterior photos make claim handling faster and cleaner later.

Wrapping Up This Colorado Insurance Policy

In one call, this Colorado household moved both vehicles to full coverage with deductibles that fit their budget, towing and rental for peace of mind, and paperless billing for convenience. They compared carriers, tuned the numbers with a $1,000 deductible, signed digitally, and received ID cards immediately. Simple, thorough, and road-ready.

If you are financing vehicles and need full coverage with smart deductibles and helpful add-ons, A Plus Insurance can build the plan that fits your life and your lender’s rules.

👉 Call A Plus Insurance to compare full-coverage options on multiple vehicles, or get a quick online quote to see 500 vs 1,000 deductibles side by side.

Finally

Two financed vehicles in Colorado, both needing full coverage. We priced comprehensive and collision at $500 vs $1,000 deductibles, added towing at $50 and rental at $40 per day, and enrolled paperless for savings. Final choice shaved the monthly with $1,000 deductibles, documents were e-signed, and ID cards were texted immediately.
Need lender-friendly coverage today? Call A Plus Insurance or get a quote online.

Last Updated on October 21, 2025 by Brian Muse