Intro
Quoting multiple vehicles at once can feel complicated… different coverages, different lenders, and a mix of full coverage and liability. In this story, a Colorado couple called for a Colorado Insurance price for three vehicles on one policy, keep costs reasonable, and receive same-day proof of insurance. With an experienced agent guiding the process, they compared carriers, confirmed lender requirements, locked in a twelve-month option, and had ID cards in hand before hanging up.
Need a multi-vehicle quote today? We can compare options and text ID cards the same day once payment and signatures are complete.
Driver & Household Info
Two adult drivers live in the same Colorado household. Daily driving is mostly personal… short trips, errands, and routine commutes. Both prefer paperless communication and simple billing. One driver reported a recent not-injury, at-fault crash on a secondary vehicle, which the agent accounted for when rating.
Vehicle Details
- 2009 Cadillac Escalade — financed, personal use, modern safety features, requires full coverage for the lender.
- 2003 Isuzu Axiom — personal use, owned, liability only requested.
- 1995 Ford Econoline van — personal use, owned, liability only requested.
Annual miles per vehicle are modest, around four to five thousand each. No current damage beyond normal wear and tear. No rideshare or delivery use.
Coverage Goals
The Colorado Insurance policy needed to blend lender-friendly full coverage on the Escalade with budget-friendly liability on the other two vehicles.
What they chose
- Cadillac Escalade: comprehensive and collision, 500 deductible, roadside optional, rental declined to reduce cost.
- Isuzu Axiom: liability only at Colorado minimums.
- Ford Econoline: liability only at Colorado minimums.
They declined uninsured and underinsured motorist and medical payments at this time, with the option to revisit later. The agent clarified that towing and rental are usually available only on vehicles with full coverage, though some carriers offer limited roadside with liability.
Not sure which add-ons are worth it? Ask us to show the price difference with and without towing or rental so you can decide with real numbers.
Driving History
A recent incident on one vehicle and an older not-at-fault item were discussed. The agent ran motor vehicle reports to confirm history so the final quote would match the bound premium… no surprises after payment.
Shopping The Market
The agent compared multiple carriers for this Colorado Insurance. An initial option from Dairyland looked competitive before reports and final validations… after rating completed, the twelve-month plan still offered the strongest value for this household’s mix of one full coverage vehicle and two liability vehicles.
Illustrative outcomes discussed on the call
- Twelve-month policy gave predictable payments over the year.
- Down payment and monthly figures remained manageable even with one financed vehicle on full coverage.
- A competing six-month option from a national carrier required clearing an old balance and priced higher overall, so the family stayed with the twelve-month Dairyland plan.
Want lower total cost over time? Compare a twelve-month plan against six months… a longer term can stabilize your rate and reduce renewal churn.
Payment, Documents, And Photos
The couple paid the initial amount by debit card. The agent sent a quick e-signature packet that confirmed coverages selected and declined, plus the payment schedule. ID cards were texted immediately, and complete policy documents were emailed for records. Because the Escalade carries full coverage, the agency requested four exterior photos… front, rear, and both sides. Photos help document the vehicle’s pre-policy condition and can speed up any future claim.
Paperless delivery was enabled so billing and notices arrive by email. Text reminders were offered as an optional convenience.
Discounts And Admin Details
- Paperless delivery enabled.
- Multi-vehicle savings applied.
- Lender information for the Escalade was added so the credit union receives evidence of insurance.
- Auto-pay was discussed… no extra savings with this carrier, so the family chose to pay by mail and online as needed.
Prefer fewer envelopes in the mailbox? Go paperless and keep everything organized in your email and carrier app.
Key Takeaways / Tips For Shoppers
- Blend coverages by vehicle… full coverage for financed cars, liability for older, owned vehicles.
- Use deductibles as a lever… 500 or 1,000 can dial the premium without sacrificing lender compliance.
- Check add-ons… towing and rental are invaluable on the car you rely on most, but can be skipped to save on others.
- Mind recent incidents… an at-fault crash will affect price, so compare carriers and terms to find the best fit.
- Go twelve months when it helps… a yearly term can smooth payments and reduce re-rating midyear.
- Send quick photos for full coverage… it protects you and speeds up claims.
Wrapping Up
In one call, this Colorado household priced three vehicles, balanced full coverage with liability, chose a twelve-month plan, and received same-day proof of insurance. Clear guidance, accurate reports, and paperless delivery made the process simple… and the family left fully covered with payments they could plan for.
If you are quoting multiple vehicles or mixing full coverage with liability, A Plus Insurance can build a plan that fits your budget, your lender, and your daily life.
👉 Call A Plus Insurance to compare multi-vehicle options today, or get a quick online quote to see term and coverage differences side by side.
Summary
Three-vehicle quote in Colorado… one financed SUV needs full coverage, two older vehicles run liability only. We priced a twelve-month plan, set the Escalade at a 500 deductible, declined rental to save, enabled paperless, and texted ID cards the same day.
Need multi-vehicle coverage now? Call A Plus Insurance or get a quick online quote.
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
