Best Cheap Car Insurance Quotes for Felons in Vermont

Since we’re writing about auto insurance, the word cheap should not appear anywhere to describe car insurance rates. The fact is, cheap auto insurance for felons is not always easy to find. Don’t get your dauber down, because there may be ways you can find coverage that fits into your budget.

Finding decent, budget car insurance is not always easy, and finding out which companies quote the best insurance rates for felons requires even more work. Each auto insurance company uses slightly different criteria for setting rates, so we’ll take a look at the most budget-friendly insurance companies in Vermont.

We do need to point out that Vermont insurance rates are impacted by many factors that can increase the policy price. This is why Vermont drivers need to shop around with many companies to find the most affordable insurance quotes for felons. Prices are made up of many risk factors and change frequently, so the most economical company when you bought your policy may now be an over-priced policy.

Best Insurance Companies for Felons

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Safeco quotes some of the most affordable car insurance rates in Vermont at around $477 each year. California Casualty, The Hartford, USAA, and Unitrin are also some of the lowest-priced Vermont insurance companies.

As the rates illustrate above, if you currently buy coverage from USAA and switched to California Casualty, you may realize yearly savings of in the vicinity of $119. Policyholders with Unitrin might save as much as $212 a year, and Travelers customers might lower prices by $217 a year.

To get a quick, customized rate comparison, click here to start a quote or visit several of the following companies.

Remember that these policy prices are averages for all drivers and vehicles in Vermont and and are not figured with a price discount for felons. So the insurer that can offer you the best rate may not even be featured in the chart above. That helps illustrate why you need to quote rates from many companies using your own specific driver and vehicle information.

The vehicle model needing coverage is one of the largest considerations when trying to find the best cheap auto insurance for felons in Vermont. Vehicles with lower performance, good safety features, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The next table illustrates car insurance costs for a number of the most economical automobiles to buy coverage for.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Table data does not factor in garaging location in Vermont which can change coverage prices greatly.

Looking at the rates, we can conclude that models like the Ford Escape, Honda CR-V, and Honda Odyssey are most likely to be the most affordable vehicles to insure for felons.

For felons, one of the more important considerations that help determine the policy price is the neighborhood you call home in Vermont. Areas with more people or higher crime rates like Saint Johnsbury, Brattleboro, and Northfield tend to pay higher rates, whereas cities that are not as densely populated have the benefit of the best cheap auto insurance for felons in Vermont.

The table below illustrates the most expensive areas in Vermont for felons in which to purchase auto insurance.

Rate information is estimated as the specific zip code location can affect insurance rates substantially.

The information below illustrates how your choice of deductibles can increase or decrease insurance prices when getting quotes for cheap insurance for felons. The information is based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

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The chart above illustrates that a 50-year-old driver could lower rates by $224 a year by switching from a $100 deductible up to a $500 deductible, or save $336 by switching to a $1,000 deductible. Young drivers, like the age 20 example, could reduce their rates $754 every year by using a higher deductible. If you do make the decision to raise your deductibles, it is important to have enough in a savings account to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Get discount Vermont insurance

Insurance companies that offer the best cheap auto insurance for felons in Vermont may have special discounts that could reduce prices by as much as 40% or more if you are eligible for them. A list of insurance companies and a selection of discounts include:

• American Family offers premium reductions for early bird, Steer into Savings, air bags, defensive driver, TimeAway discount, and bundled insurance.
• Farm Bureau may have discounts that include 55 and retired, youthful driver, good student, driver training, and multi-vehicle.
• State Farm offers discounts including passive restraint, good driver, driver’s education, student away at school, and defensive driving training.
• Travelers policyholders can earn discounts including driver training, hybrid/electric vehicle, payment discounts, save driver, and early quote.
• The Hartford may offer discounts for bundle, anti-theft, good student, driver training, and air bag.
• GEICO may include discounts for five-year accident-free, driver training, seat belt use, air bags, and defensive driver.
• Progressive has savings for good student, multi-policy, homeowner, online signing, multi-vehicle, online quote discount, and continuous coverage.

The illustration below compares auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or driving violations, Vermont state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with homeowner, accident-free, anti-theft, claim-free, defensive driving course, and multiple vehicle discounts applied. When discounts are factored in, the average savings per year on insurance for felons is 28% or $278.

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Is Allstate, Geico, State Farm, or Progressive cheaper?

If you are looking for the best auto insurance for felons, four companies to consider are Allstate, Geico, State Farm, and Progressive. Combined they have 48.5% of all car insurance policies in America. The next table breaks down ratings and policy coverage options that are available from each company.