Introduction
Shopping for auto insurance can feel complicated… especially when you are balancing coverage decisions, travel plans, and a tight timeline. In this story, a Colorado driver called to price a new policy for an older SUV, add a partner to the plan, and choose limits that actually fit their life. With an experienced agent walking through options step by step, the quote turned into a confident decision, same-day proof of insurance, and a plan for tweaking coverages as needs change.
Need a quote while you are on the go? Call and we can start your policy in minutes, then email your ID cards right away.
Driver & Household Info
Two adult drivers share one household and one primary vehicle. They rent their home, have regular day-to-day driving needs, and are planning a long road trip through the Rockies and Pacific Northwest with their dogs. A prior policy had ended about a week earlier, so keeping the lapse under 30 days helped unlock a continuity discount with several carriers.
Vehicle Details
The vehicle is a 2008 Toyota Highlander, personal use only… no rideshare or delivery. Normal wear and tear, no notable body damage, and a verified VIN. Because the SUV is more than ten years old, the discussion focused on whether full coverage still makes sense year-round, or whether a smarter approach is to turn certain protections on for travel, hail season, or higher risk periods, then scale back later.
Coverage Selected
The callers wanted to move higher than state minimums. The agent explained common liability choices and how they relate to assets and risk. Together they priced:
- Liability limits at 50,000 per person and 100,000 per accident for bodily injury, with matching uninsured and underinsured motorist limits… a solid step above minimums and a good fit for renters.
- Medical payments at 10,000 per person, which covers the insured, passengers, and other parties for necessary medical care.
- Full coverage scenarios for the road trip window, with comprehensive for fire, theft, vandalism, animal impact, and glass… and collision for at-fault crashes or single-vehicle incidents.
- Glass option at a 100 deductible, since windshield chips and cracks are common on western highways.
- Rental reimbursement considered… plus a reminder that many carriers extend your policy’s coverages to a rental car automatically when you temporarily rent a vehicle.
The agent also covered a popular strategy for older vehicles… carry comprehensive only with a low glass deductible if collision value is marginal, or set aside a small “windshield fund” if you prefer to pay out of pocket. Best of all, the callers learned they could add full coverage for their trip, then remove it afterward, receiving a prorated refund when coverage is reduced.
Not sure which limits fit your life? Ask us to price two or three scenarios side by side so you can see the real dollar tradeoffs.
Driving History
Both drivers reported clean recent histories. The agent ran motor vehicle reports to validate, which helped keep the quotes accurate and competitive.
Rates, Payment, and Terms
Multiple carriers were compared. Progressive surfaced as the best blend of price and flexibility for this situation. Examples discussed on the call included:
- Liability with uninsured and MedPay… pay in full for six months around the mid-five hundreds, or monthly a little over one hundred.
- Comprehensive with 500 deductible plus 100 glass… six-month premium around the high eight hundreds.
- Comprehensive and collision with 500 deductibles and 100 glass… six-month premium around the mid-nine hundreds.
The difference between liability-only and full coverage was roughly one to two hundred dollars over the six-month term in these examples. Paying in full offered a meaningful discount. The agent also explained how refunds work when you remove full coverage mid-term… carriers return the unused portion to your last payment method, and you can re-add coverage later by paying the difference for the remaining term.
The policy was started the same day, paid in full, e-signed with a quick digital link, and ID cards were emailed immediately. The agent requested four simple exterior photos to speed any future claims handling. A referral code was provided for gift-card rewards when friends start policies.
Need proof of insurance today? We can bind and send your ID cards by email or text within minutes once payment and signatures are complete.
Key Takeaways / Tips for Shoppers
- Match limits to your risk, not to the minimums… 50,100 liability with matching uninsured is a smart step up for many renters.
- Use comprehensive with 100 glass if windshield chips are common on your routes… it can be cheaper than paying full price for replacements.
- Turn full coverage on and off by season or trip, then capture refunds when you scale back. Call before an event, not after.
- Price monthly versus pay-in-full… the discount can be meaningful over six months.
- Keep your lapse under 30 days to preserve continuity discounts where available.
- Leverage e-sign and digital delivery so you can hit the road with proof of coverage the same day.
Wrapping Up
This Colorado quote shows how the right conversation turns guesswork into a plan… higher liability where it counts, glass protection for mountain highways, and flexible full coverage for a long trip. With same-day binding, ID cards delivered instantly, and a clear roadmap for adjusting coverages later, the drivers left ready for adventure and protected for the miles ahead.
👉 Call A Plus Insurance if you want the same step-by-step help, or Get a quote online to compare liability, glass, and full coverage options for your vehicle and budget.
How to Get a Free Auto Insurance Quote
01.
Contact Us
Step 1. Call Us! We know the cost of insurance is crazy and we are real people happy to help you drivers save.
02.
Details
Step 2. Be prepared to spend 10-15 minutes on the phone to get your auto insurance quote, and about 15-20 minutes for a homeowners insurance quote. You will need to give some information, but it’s not to stalk you or hurt your credit, we can’t rate you if we don’t have what we need.
03.
Quote
Step 3. If you like the price you hear, we will ask for you to provide your Vehicle Identification number and your drivers license number. That way we can run the required MVR and insurance score report (a soft credit pull).
04.
Decision
Step 4. After running reports, we will have the insurance quote with the finalized rate for you. If you are happy with it, we can start your policy immediately.
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Last Updated on by Brian Muse