Intro
Comparing full coverage on two vehicles while also adding renters insurance can feel like a lot. In this Colorado story, a shopper called to price full coverage on a 2016 and a 2004 Lexus, see whether six or twelve months made sense, and bundle renters if the numbers worked. With an agent guiding each step, the quote turned into a same-day bind, ID cards delivered, and renters added with the right landlord-ready paperwork.
Need auto and renters today? We can quote, bind, and send your ID cards and declarations by email or text within minutes once payment and signatures are complete.
Driver & Household Info
Two adult drivers share one Colorado household with young children. Both drivers use both vehicles for personal, everyday driving. The family recently moved back to Colorado, so a prior address was collected to satisfy carrier verification for time at residence. Paperless and text alerts were preferred to keep billing and documents simple.
Vehicle Details
- 2016 Lexus (owned) — daily driver, personal use, no prior damage reported.
- 2004 Lexus (owned) — secondary daily driver, personal use, no prior damage reported.
No rideshare or delivery use. Both drivers will be listed and drive both vehicles.
Coverage Goals
The caller wanted full coverage on both vehicles with practical extras that matter in Colorado.
Requested and selected items
- Comprehensive and collision on both vehicles, $500 deductibles.
- Rental reimbursement on both vehicles, $40 per day up to the policy’s stated limit.
- Roadside assistance added for the older Lexus.
- Medical payments at $5,000 selected.
- Liability kept at state minimums to manage cost.
- Uninsured and underinsured motorist were declined for now, with the option to add later.
Unsure which add-ons are worth it? Ask us to price your plan with and without rental or roadside so you can see the exact monthly difference.
Shopping The Market
The agent compared multiple carriers. Dairyland initially looked competitive, but the monthly came in higher than expected once all coverages migrated and reports were run. Progressive returned the better blend of price and flexibility, especially when considering the ability to bundle renters.
Illustrative outcomes discussed on the call (rounded)
- Progressive, before final reports: down payment low-$200s, monthly low-$200s for both vehicles with full coverage, $500 deductibles, rental on both, roadside on one, MedPay 5,000.
- After reports: the premium increased modestly due to historical incidents, landing near $281 down and $282 monthly with checking auto-pay, which still beat the initial alternative.
- A twice-per-month draft option was also available with a smaller initial swipe for those who prefer to split payments.
Tip: If your driving history or past claims change the final price, have us compare carrier B vs carrier C—small differences in rating rules can move the needle.
Payment, E-Sign, Proof, And Photos
The customer chose checking auto-pay for the monthly and paid the down payment the same day. The agent sent a quick e-signature packet confirming coverages and billing authorization. Immediately after signing, the family received:
- Digital ID cards for both vehicles by email and text,
- Declarations page listing coverages and limits,
- Payment schedule and receipt for records.
To streamline any future claim and document condition, the agent requested four exterior photos per vehicle, front, rear, and both sides—easy to text back when convenient.
Renters Insurance Add-On
With auto in place, the agent quoted renters insurance for the current address. The family selected:
- Personal property at $15,000,
- Personal liability at $100,000,
- Medical payments at $1,000,
- $1,000 deductible to reduce the premium.
The 12-month renters term priced at about $127 paid in full, and the declarations page was emailed immediately—landlord-ready. If the landlord later requires to be listed, the agency can update the policy and issue a revised declarations page at no charge.
Prefer fewer envelopes and faster paperwork? Go paperless and keep your auto and renters docs organized in your email and app.
Looks like someone’s ready to take the wheel early! Don’t worry, we’ll handle the real driving (and the insurance).
Key Takeaways / Tips For Shoppers
- Bundle smart: Even if auto and renters land with different carriers, bundling or adding renters through the auto carrier (when priced well) can simplify renewals and proof requests.
- Tune deductibles to budget: $500 deductibles are a common balance of cost and protection for full coverage on newer and older vehicles.
- Add practical extras: Rental at $40 per day and roadside on the older car provided useful peace of mind for only a modest increase.
- Finish the digital setup: Complete paperless confirmation in the carrier app so that discount remains active and documents arrive quickly.
- Photos help claims: Quick exterior pictures now save time if anything happens later.
Wrapping Up
In one call, this Colorado family compared carriers, chose Progressive for better value, set full coverage with $500 deductibles, added rental on both and roadside on one, completed e-sign, received ID cards instantly, and added renters with the right liability limit for the landlord. Clear, fast, and on budget.
If you want the same experience—full coverage on two vehicles plus renters, same-day proof, and clear billing—A Plus Insurance is ready to help.
👉 Call A Plus Insurance to compare options now, or get a quick online quote to see your monthly and pay-in-full choices side by side.
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