How Much Does Car Insurance Cost for Drivers with a Bad Driving Record in Vermont?

Buying reasonably-priced auto insurance is not most people’s favorite thing to do, and determining which insurers offer the most affordable auto insurance rates for drivers with a bad driving record calls for more quotes for comparison. Coverage rates will most likely be quite a bit pricier than the average rate in Vermont attributed to the potential for more claims that goes along with selling coverage for bad drivers, but reasonable insurance may be available with a little diligence. Every insurance company has a proprietary method to determine premium rates, so we’ll go over the lowest cost auto insurance companies in Vermont.

It’s important to know that Vermont auto insurance rates are impacted by many things which can significantly increase or decrease the price you pay for coverage. This price variation is why drivers need to take the time to shop around to find cheap auto insurance quotes for drivers with a bad driving record. Rates can be determined by many things and change dramatically, so the best price three years ago may now cost much more than other companies.

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google.charts.setOnLoadCallback(drawVTT5qcibChart);function drawVTT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Safeco’, 481, ‘#33CF8F’], [‘California Casualty’, 499, ‘#2AAC77’], [‘USAA’, 638, ‘#238F63’], [‘The Hartford’, 639, ‘#1D7752’], [‘Unitrin’, 717, ‘#186344’]]);var options = {title: ‘Top Five Low-Cost Auto Insurance Companies in Vermont’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:817,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Safeco may have some of the most affordable car insurance rates in Vermont at around $481 annually. California Casualty, USAA, The Hartford, and Unitrin are also some of the cheaper Vermont auto insurance companies.

As shown in the table above, if you are currently insured with The Hartford and switched to California Casualty, you could realize annual savings of around $140. Vermont drivers with Unitrin could save as much as $218 a year, and Travelers insureds might realize rate reductions of up to $230 a year.

To discover how much you can save, click here to start your custom quote or visit several of the following companies.

Be aware that those estimates are averages for all ages of drivers and types of vehicles and and are not figured with a price increase for drivers with a bad driving record. So the car insurance company that has the cheapest rates for you may not even be in the rate chart shown above. That is why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Cost and performance of the vehicle to be insured is probably the most important factor in finding the most affordable coverage for drivers with a bad driving record. Vehicles with lower performance, advanced safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The next lists features auto insurance costs for the more afforable automobiles to buy insurance for.

Above prices assume single female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific location information which can revise premiums significantly.

Data variables include single female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can decrease or increase rates considerably.

Prices above based on single female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price information does not factor in zip code location which can raise or lower coverage rates substantially.

When shopping for the cheapest car insurance for bad drivers, one of the many considerations that help determine insurance cost is where you choose to live in Vermont. Areas with a lot of weather claims or more people like Northfield, West Brattleboro, and Bennington are more likely to pay higher prices, whereas areas with less congestion generally have lower rates.

The following table displays the most costly cities in Vermont for drivers with a bad driving record to purchase a policy in.

Rate quotes are estimated as the garaging address in Vermont can modify coverage prices noticeably.

The diagram below shows how different deductible levels can change yearly insurance costs when researching cheap insurance for drivers with a bad driving record. The premiums are based on a married male driver, full coverage, and no discounts are factored in.

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The data above shows that a 40-year-old driver could save $232 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $348 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could reduce their rates as much as $774 or more just by using higher deductibles.

If you do make the decision to raise your deductibles, it is a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.