Cheap Auto Insurance Quotes for Drivers with a DUI in Vermont

It’s impossible to miss the ads from companies like Allstate, The General, and GEICO guaranteeing the cheapest rates. So you should just pick one randomly, right?

That is not the case, however, as there are a whole bunch of unknown factors such as if you are a man or woman, the type of vehicle you drive, if you are currently insured, and the neighborhood you live in, that all have an effect on the price. We will try to teach you about the best ways to avoid paying too much and hopefully give you enough understanding to have a jump start in finding the best auto insurance.

Finding good, cost effective car insurance is not always easy, and figuring out which company offers the most affordable car insurance rates for drivers with a DUI calls for more quotes for comparison. Policy prices will more than likely be significantly pricier than the state average, with the increase attributed to the added risk that goes along with offering coverage after getting a DUI, but competitive coverage should be possible if you do a thorough comparison. Every insurance provider uses different criteria for setting prices, so let’s begin by taking a look at the overall cheapest car insurance companies in Vermont.

Keep in mind that Vermont car insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply having a birthday, buying a different vehicle, or getting into an accident can cause premium changes that can cause some rates to be more affordable than others.

Find Cheaper Car Insurance after a DUI

Compare Rates Today

Safeco offers some of the most affordable car insurance rates in Vermont at around $477 per year. California Casualty, USAA, The Hartford, and Unitrin also qualify as some of the more affordable Vermont auto insurance companies.

As shown in the rates above, if you currently have a policy with California Casualty and switched to Safeco, you could realize annual savings of about $27. Insureds with USAA may save as much as $149 a year, and The Hartford customers might lower prices by $169 a year.

It’s important to note that these estimates are averages across all drivers and vehicles and do not take into consideration a price surcharge for drivers with a DUI. So the insurer that is best for you may not even be in the company chart above. That points out the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.

After getting a DUI, one of the big components that affect the cost of insurance is where your car is garaged. Areas with a lot of weather claims or more people like West Brattleboro, Brattleboro, and Newport tend to have higher rates, whereas areas with less congestion receive better rates.

The information below rates the most costly cities in Vermont for drivers with a DUI in which to purchase auto insurance.

Prices are estimated as the vehicle garaging location can influence premiums substantially.

The vehicle you are seeking coverage for is one of the primary factors when comparing quotes for low-cost auto insurance for drivers with a DUI. Vehicles with high performance engines, a lack of safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models. The next list ranks coverage premiums for a number of the most budget-friendly automobiles to insure.

Data rating is based on married male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in specific zip code location which can raise or lower insurance rates substantially.

Looking at the numbers, vehicles like the Ford Escape, Honda CR-V, and Honda Accord are some of the less-costly vehicles to insure after getting a DUI. The price for an auto insurance policy will tend to be more expensive because of the fact that there is more liability exposure for drivers with a DUI, but in general those particular models will have the lowest insurance prices compared to other vehicles.

Discounts on cheap car insurance for drivers with a DUI in Vermont

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-drivers-with-dui-vt.jpg" alt="Cheaper Vermont car insurance after getting a DUI” />Insurers that provide coverage for drivers with a DUI may also offer policy discounts that can reduce rates by 25% or more if you meet eligibility requirements. Larger car insurance companies and their possible discounts are outlined below.

• Mercury Insurance policyholders can earn discounts including age of vehicle, accident-free, anti-theft, location of vehicle, and good driver.
• Farmers Insurance has discounts for bundle discounts, teen driver, homeowner, switch companies, good student, and youthful driver.
• Farm Bureau has savings for renewal discount, multi-vehicle, youthful driver, driver training, and multi-policy.
• State Farm includes discounts for Drive Safe & Save, good student, multiple policy, accident-free, anti-theft, student away at school, and good driver.
• Allstate discounts include safe driver, eSmart discount, defensive driver, good payer, early signing, EZ pay plan discount, and farm vehicle.
• GEICO offers discounts including anti-theft, air bags, seat belt use, good student, and emergency military deployment.

The information below shows the comparison of insurance costs with and without discounts. The rates are based on a male driver, no accidents and three citations, Vermont state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, paperless filing, multiple policy, marriage, passive restraint, and continuous coverage discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for drivers with a DUI is 28% or $573.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3051,2201],[‘Age 30’, 1929,1405],[‘Age 40’, 1919,1393],[‘Age 50’, 1811,1313],[‘Age 60’, 1773,1287],[‘Age 70’, 1997,1443]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Drivers with a DUI’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Vermont’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}