Best Cheap Car Insurance for Low Income Drivers in Vermont

I’m sure you’ve seen the catchy commercials from insurers like Allstate and Liberty Mutual that guarantee dirt cheap rates, so drivers just need to select the one with the best jingle, right?

It’s not quite that easy, unfortunately, as there are a whole bunch of unknowns like how many years you have been driving, how you use your vehicle, traffic citations and accidents, and if you want full coverage included. This article goes into detail about the best ways to avoid overpriced car insurance and will hopefully give you a solid foundation to find cheaper car insurance in Vermont.

Finding dependable, budget car insurance is hard enough, and determining which company has the cheapest car insurance rates for low income drivers will involve even more work.

Every insurance provider has a different formula for establishing rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Vermont. It’s important that readers know that Vermont car insurance rates are based on many factors that will increase or decrease the price you have to pay. This price fluctuation is why Vermont drivers need to compare many different companies to get the cheapest car insurance quotes for low income drivers. Car insurance prices consist of many risk factors and change dramatically, so the cheapest rate when you last compared rates may now not even be in the top five.

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Safeco generally has some of the cheapest car insurance rates in Vermont at around $463 each year. California Casualty, USAA, The Hartford, and Unitrin would also make the list of some of the best Vermont insurance companies.

In this example, if you buy coverage from The Hartford and switched to Safeco, you might see an annual premium reduction of in the vicinity of $183. Insureds with Unitrin could save as much as $254 a year, and Travelers policyholders might cut rates by $273 a year.

To compare your rates to other Vermont insurance companies, click here or visit any of the low-priced companies below.

Understand that those prices are averages for all drivers and vehicles in Vermont and and are not calculated with a rate decrease for low income drivers. So the auto insurance company that can offer the best rates for your situation may not even be shown in the chart above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

The car, truck, or SUV on the policy is a large factor when consumers are trying to find the cheapest auto insurance for low income drivers. Vehicles with higher performance characteristics, a lack of advanced safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.

The next lists features car insurance costs for the most budget-friendly automobiles to insure in Vermont.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in garaging location in Vermont which can raise or lower premiums considerably.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in vehicle garaging location which can alter insurance rates noticeably.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in your specific Vermont location which can increase or decrease premiums noticeably.

One of the more important considerations used to determine a rate quote is your address in Vermont. Densely populated urban areas like Northfield, Manchester Center, and Bellows Falls will most likely pay more, whereas areas that tend to be more rural have the luxury of the best cheap car insurance for low income drivers in Vermont.

The following table rates the most expensive places in Vermont for low income drivers to purchase auto insurance in.

Rate information is estimated as vehicle location can impact auto insurance rates substantially.

Selecting a high-quality car insurance provider can be challenging considering how many companies there are to choose from in Vermont. The information shown next may help you analyze which auto insurance companies to look at to insure your vehicles. These ratings only include companies with a nationwide focus, so companies that have a smaller presence are not factored into the list.

Top 10 Major Auto Insurance Companies in Vermont Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. GEICO
5. State Farm
6. Nationwide
7. Allstate
8. The General
9. 21st Century
10. The Hartford

Top 10 Major Auto Insurance Companies in Vermont Ranked by A.M. Best Rating

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Progressive – A+
9. The Hartford – A+
10. The General – A-

How to find more affordable auto insurance for low income drivers

Below you’ll find some of the recommended penny-pinching suggestions that can help Vermont drivers get cheaper car insurance.

• Higher deductibles mean lower rates
• Avoid at-fault accidents and claims
• Safe vehicles cost less to insure
• Do not get traffic tickets
• Improve your credit
• Save money by only buying liability coverage for older vehicles
• Shop around for cheaper prices

That last idea is remarkably valuable, as was noted in the prior information. Insurance prices can change significantly in a year, so don’t hesitate to buy from a new company if a more affordable rate is found.

Many drivers prefer to stick with one company, but is isn’t recommended if that stubbornness costs you a lot of money. If you have a few minutes, shop around to find cheaper auto insurance for low income drivers.