Starting a New Colorado Auto Insurance Policy

Introduction

Finding the right Colorado auto insurance can feel overwhelming, especially when you are balancing multiple vehicles, personal changes, and budget considerations. This story highlights a Colorado driver who reached out to get liability coverage on two vehicles, review options with Progressive and The General, and walk away with a policy that fit her needs and budget. With the right guidance, what started as a stressful situation turned into a quick, straightforward solution with same-day proof of insurance.

Driver & Household Info

The customer is a Colorado resident who rents her home and shares her household with her daughter, who was excluded from the policy as a driver. She is married but in the process of divorce and needed coverage solely for her own vehicles. Importantly, she had not carried coverage on these vehicles within the last 30 days, which limited some discount opportunities but did not prevent her from securing a policy.

Vehicle Details

The policyholder needed coverage for two vehicles:

• 2009 Chrysler – primarily personal use, around 15,000 miles per year, owned outright, no prior damage, not used for rideshare or delivery.
• 2012 Mazda – light personal use, previously used for commuting five miles but now primarily for errands after transitioning to working from home. The vehicle is also owned outright, with roughly 10,000 miles annually.

Both vehicles were in good condition, with no major damage beyond normal wear and tear.

Coverage Selected

The driver wanted to keep things simple and affordable with liability-only coverage. In Colorado, the state minimum liability is:

• Bodily Injury: $25,000 per person and $50,000 per accident.
• Property Damage: $15,000 per accident.

She declined additional coverages such as:

• Uninsured/Underinsured Motorist Protection
• Medical Payments
• Comprehensive and Collision
• Rental Reimbursement
• Roadside Assistance (she noted she already had roadside through her phone provider for $4.99/month).

Driving History

The driver reported no accidents, tickets, or claims in the past five years. With a clean history and two vehicles insured, she was eligible for multi-car and paperless discounts, along with auto-pay savings.

Discounts

While she did not qualify for continuous coverage discounts due to a lapse, she was able to take advantage of:

• Multi-car discount – insuring two vehicles together.
• Auto-pay discount – enrolling in recurring payments.
• Paperless discount – choosing to receive documents via email.

Final Rate & Terms

The agent compared quotes from two carriers:

• Progressive – $134 down payment, $141 monthly (or $137 monthly with checking account auto-pay).
• The General – $187 down payment, $127 monthly.

Although Progressive’s monthly rate was slightly higher, the customer chose them due to stronger customer service, better technology, and overall trust. The policy was started the same day with a $134.03 down payment. Monthly payments were set at $137 through checking auto-pay, effective the 14th of each month.

To finalize the setup, the customer provided billing information and completed an e-signature application. She also received information about Progressive’s referral program, which offers a $25 gift card to both the referrer and the new client.

Proof of address was required since conflicting addresses were listed, but this was easily resolved with a recent paycheck stub. Documents were delivered by email, and ID cards were provided for immediate proof of coverage.

Key Takeaways / Tips for Shoppers

• Liability-only is an option if you want to keep premiums low, though you should weigh the risks of not carrying additional coverages.
• Discounts add up. Multi-car, auto-pay, and paperless savings help offset costs.
• Proof of address matters. Be prepared to provide a paycheck stub or utility bills if your address is flagged.
• Compare multiple carriers. While Progressive was slightly more expensive per month, service and reliability won the decision.
• Roadside coverage can come from other providers. Some cell phone carriers include roadside at a fraction of the cost of an insurance add-on.
• Digital tools make setup simple. E-signatures, email delivery, and mobile apps give you fast access to your policy and ID cards.

Wrapping Up

This Colorado customer secured affordable liability-only coverage on two vehicles in less than an hour. With the right help, she compared Progressive and The General, chose a company she trusted, and had proof of insurance in hand the same day.

If you are shopping for coverage on multiple vehicles, looking to keep costs low, or need quick proof of insurance, A Plus Insurance can guide you through the process step by step.

👉 Call today or get a quote online to compare rates, secure discounts, and get the coverage you need without the stress.

Final Words

A Colorado driver needed liability-only coverage on her two vehicles, a Chrysler and a Mazda. With help from A Plus Insurance, she compared Progressive and The General. Progressive offered $134 down and $141 monthly, while The General quoted $187 down and $127 monthly. She chose Progressive for their customer service and digital tools, and set up $137 monthly auto-pay with paperless discounts. Proof of address was provided, and ID cards were emailed same day.

Tip: Discounts for multi-car, auto-pay, and paperless add up. Liability-only policies keep premiums low but consider whether additional coverage makes sense for you.

👉 Call A Plus Insurance today or click for a free quote.

Last Updated on October 22, 2025 by Brian Muse