Intro
Shopping for Colorado car insurance can feel stressful, especially when you are at the DMV and realize you need coverage immediately. This story highlights how one driver in Colorado was able to secure a policy on the spot, walking through the details of the quoting process, the coverages selected, and the final terms. With guidance from an experienced agent, what could have been overwhelming became a smooth and manageable process.
Why should you use a insurance broker? Here is 10 reasons why you should use a insurance broker!
Driver & Household Info
The driver is a Colorado resident, single, and currently renting. He has a security job and often needs reliable transportation for both work and personal use. His previous insurance had lapsed only a few days earlier, which meant he needed to get a new policy started quickly in order to remain legal on the road and meet DMV requirements. Although he did not have any other household drivers, his insurance needs were focused on ensuring that his single vehicle would be covered properly.
Having a lapse in coverage? A quick call for a quote can help prevent higher premiums down the road.
Vehicle Details
The car in question was a 1998 Ford Mustang, purchased roughly six months earlier. The vehicle did not have any major body damage beyond normal wear and tear, and it was being used solely for personal purposes. No ride share or delivery usage was expected, which helped keep the insurance premium lower. The customer provided the VIN number, which confirmed the vehicle details and allowed the agent to proceed with accurate quoting.
Pro tip: Keep your VIN number handy when calling for a quote it helps speed up the process and ensures accuracy.
Coverage Selected
Colorado requires state minimum liability limits, which are $25,000 per person and $50,000 per accident for bodily injury, along with $25,000 for property damage. The driver chose to stay with the state minimum requirements to keep the premium as affordable as possible.
Two optional coverages uninsured motorist bodily injury and medical payments were offered, but the driver declined both. Likewise, roadside assistance, rental reimbursement, comprehensive, and collision coverages were all left off the policy. The focus was on simply meeting the legal minimums needed to drive in Colorado and satisfy the DMV.
When you’re unsure about which coverages to keep or drop, an agent can walk you through the pros and cons so you make the choice that fits your budget.
Driving History
When asked about accidents, tickets, or violations, the driver reported none. The agent confirmed this by running a motor vehicle report during the application process. Having a clean driving record helped keep the premium competitive and avoided surcharges.
Discounts
Although no multi-policy or homeowner discounts applied, the agent reviewed available savings. The driver provided an email address to qualify for paperless options, and his education level and job details were noted to see if any carrier specific discounts might apply. While broad discounts were limited due to the policy being liability only and single driver, single vehicle, the driver did benefit from selecting autopay for monthly payments, which helped lower costs slightly and guaranteed on-time billing.
Even a small discount adds up over time. Ask about paperless or auto-pay savings when you start your policy.
Final Rate & Terms
After reviewing options, the most affordable rate came back with Bristol West Insurance. The initial down payment required to begin coverage was $87.32, followed by monthly payments of $91.92. The due date would fall on the 4th of each month with autopay in place.
The driver paid the initial premium using one card and set up a different card for future payments, a flexibility the agency easily accommodated. Following payment, the application was signed electronically using Digisigner. Within minutes, the customer had his policy documents, declaration page, and billing schedule delivered to his inbox.
Most importantly, the ID cards needed for the DMV were also emailed separately, ensuring he could immediately show proof of coverage. In total, the entire quoting, binding, and document delivery process took less than 30 minutes.
Need proof of insurance fast? Ask about same day ID cards when you set up your policy.
Key Takeaways / Tips for Shoppers
- Be ready with details. Having your VIN number, driver’s license, and prior insurance history ready makes quoting fast and accurate.
- Know the state minimums. In Colorado, the minimum liability is 25/50/25. While this keeps costs low, many drivers choose higher limits for more protection.
- Don’t wait until coverage lapses. Continuous insurance history helps keep rates down. Even a short lapse can increase premiums.
- Consider optional coverages. Uninsured motorist and medical payments can add valuable protection for only a small increase in cost.
- Ask about payment flexibility. Many carriers allow auto-pay, multiple card setups, or pay-in-full options that may save money over time.
- Use electronic signatures and delivery. Digital apps and email speed up the process and allow you to have ID cards immediately for DMV or work needs.
Wrapping Up
This Colorado driver’s experience shows how quickly and smoothly a policy can be set up when working with the right agency. From verifying vehicle details to customizing coverages and processing payment, everything was handled in one short call.
If you are in a similar position, whether at the DMV, facing a recent lapse in coverage, or simply shopping for better rates. A Plus Insurance can walk you through the process step by step. With options from multiple carriers, flexible payments, and same day proof of insurance, you can get back on the road with confidence.
Ready to check your options? Call us today or request a quote online getting covered is easier than you think.
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