You have surely seen all the catchy commercials from insurers like Nationwide and Progressive that claim dirt cheap rates. So drivers should just pick the one with the catchiest commercial, right?
It’s not that easy, however, as there are a lot of unknown aspects such as whether you are married or single, where you live, your credit score, and the number of miles you drive each year, that all influence how much you pay for auto insurance. This article will discuss the different ways to avoid overpaying and will give you some help in finding cheaper rates.
One of the key things that car insurance companies use when figuring the annual cost of car insurance is where you keep your car. More densely populated places like Northfield, Bristol, and Swanton tend to pay slightly more, whereas areas with less congestion have the luxury of cheap auto insurance for veterans in Vermont.
The following table displays the highest-priced places in Vermont for veterans in which to purchase auto insurance.
Rank | City | Average Per Year |
---|---|---|
1 | Northfield | $1,037 |
2 | West Brattleboro | $1,035 |
3 | Bristol | $1,015 |
4 | Newport | $1,011 |
5 | Swanton | $1,010 |
6 | Springfield | $1,008 |
7 | Manchester Center | $1,004 |
8 | Middlebury | $1,000 |
9 | Saint Johnsbury | $999 |
10 | Brattleboro | $993 |
11 | Bellows Falls | $991 |
12 | Bennington | $991 |
13 | Vergennes | $986 |
14 | Barre | $986 |
15 | White River Junction | $976 |
16 | Montpelier | $968 |
17 | Saint Albans | $966 |
18 | Rutland | $964 |
19 | West Rutland | $962 |
20 | Fair Haven | $962 |
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Table data uses estimated as the specific garaging location can modify prices greatly.
Cost and performance of the vehicle requiring insurance is probably the biggest factor when comparing quotes for cheap auto insurance for veterans in Vermont. Vehicles with limited speed and performance, a plethora of safety features, or a track record of few liability claims will cost less to insure than high performance models. The next lists showcases auto insurance rates for a selection of the most budget-friendly automobiles to buy coverage for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Focus SEL 4-Dr Sedan | $764 | $382 | $64 |
Ford Fusion SEL AWD 4-Dr Sedan | $858 | $429 | $72 |
Honda Civic GX 4-Dr Sedan | $824 | $412 | $69 |
Hyundai Sonata SE 4-Dr Sedan | $828 | $414 | $69 |
Kia Optima LX | $784 | $392 | $65 |
Nissan Altima 2.5 S 4-Dr Sedan | $780 | $390 | $65 |
Toyota Camry Hybrid | $844 | $422 | $70 |
Toyota Corolla S | $780 | $390 | $65 |
Volkswagen Jetta S 4-Dr Sedan | $736 | $368 | $61 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in garaging location in Vermont which can decrease or increase premium rates considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX with Tech/Entertainment 4WD | $814 | $407 | $68 |
Acura RDX Technology Package AWD | $742 | $371 | $62 |
Chevrolet Suburban LTZ 4WD | $814 | $407 | $68 |
Chevrolet Traverse LS 2WD | $638 | $319 | $53 |
Ford Escape XLT 4WD | $638 | $319 | $53 |
Ford Expedition XLT 4WD | $698 | $349 | $58 |
Ford Explorer XLT 2WD | $692 | $346 | $58 |
GMC Acadia SLE AWD | $736 | $368 | $61 |
GMC Terrain SLE AWD | $682 | $341 | $57 |
Honda CR-V LX 4WD | $622 | $311 | $52 |
Honda Pilot Touring 2WD | $752 | $376 | $63 |
Jeep Grand Cherokee SRT-8 4WD | $796 | $398 | $66 |
Nissan Pathfinder SE 4WD | $692 | $346 | $58 |
Toyota Highlander Hybrid 4WD | $814 | $407 | $68 |
Toyota RAV4 Limited 4WD | $736 | $368 | $61 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in zip code location which can raise or lower coverage rates significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT Extended Cab 2WD | $720 | $360 | $60 |
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $796 | $398 | $66 |
Chevrolet Silverado LS Extended Cab 2WD | $784 | $392 | $65 |
Dodge Ram Crew Cab SLT 4WD | $862 | $431 | $72 |
Ford F-150 Lariat Crew Cab 4WD | $752 | $376 | $63 |
Ford F-350 Super Cab Cabela Turbo Diesel 2WD | $874 | $437 | $73 |
GMC Canyon SLE Ext Cab Z71 4WD | $736 | $368 | $61 |
GMC Sierra 2500HD SLE Crew Cab 4WD | $796 | $398 | $66 |
GMC Sierra SLE Crew Cab 2WD | $796 | $398 | $66 |
Toyota Tundra SR/5 Double Cab 2WD | $784 | $392 | $65 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in zip code location which can alter premiums substantially.
If you are shopping around for auto insurance for veterans, four good companies to start with are State Farm, Allstate, Geico, and Progressive. Between them, they insure nearly half of the entire U.S. car insurance market. They all offer your standard coverages, but each one has a slightly different mix of options and features that you can choose from. The following table rates pricing and service ratings, as well as optional policy coverages that may be available in your state.
State Farm | Allstate | Geico | Progressive | |
---|---|---|---|---|
Price Rank | 2nd | 4th | 1st | 3rd |
Handling of Claims | 2nd | 1st | 3rd | 4th |
Overall Satisfaction | 4th | 2nd | 1st | 3rd |
Discounts Available | 3rd | 1st | 2nd | 4th |
Usage-based insurance | Yes | Yes | No | Yes |
New car replacement insurance | No | Yes | No | No |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Mechanical breakdown insurance | No | No | Yes | Yes |
Offered in Vermont | Yes | Yes | Yes | Yes |
Insurance Agents | Can only buy from State Farm agents | Can only buy from Allstate agents | Online or through a Geico agent | Indpendent agents or online |
Number of agents | 18,000+ | 11,000+ | 150+ | 30,000+ |
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