How Much is Car Insurance for Safe Drivers in Vermont?

Writing this article would sure be easy if we could just give you the name of the company that has the best deal on coverage in Vermont. Unfortunately, it’s just not that easy, as there are a ton of unknown factors like your gender, the safety features built into your vehicle, the annual mileage you drive, and citations or tickets, that all go into determining the rate you pay. We will touch on some of these topics and hopefully give you enough understanding to have a good start in finding the cheapest car insurance in Vermont.

The car, truck, or SUV on the policy is probably the largest consideration that determines whether or not you find the lowest-priced auto insurance for safe drivers. Vehicles with limited speed and performance, good crash test ratings, or a track record of few liability claims will cost less to insure than higher performance models. The information below features auto insurance rates for a handful of the cheaper automobiles to buy insurance for.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific location which can modify auto insurance rates greatly.

Based upon the rates shown, makes and models like the Ford Escape, Honda CR-V, Hyundai Elantra, Chevrolet Traverse, and Honda Accord will definitely be some of the cheapest vehicles to insure for good drivers.

For Vermont drivers, one of the components that auto insurance companies take into consideration when calculating the annual cost of car insurance is where your car is garaged in Vermont. Cities with larger populations or higher claim trends like Northfield, Saint Johnsbury, and Brattleboro likely pay more, whereas areas with less congestion generally pay less for auto insurance.

The next table shows the most expensive cities in Vermont for safe drivers to purchase car insurance in.

Rates are comparative as the specific zip code location can alter auto insurance rates noticeably.

Establishing which company offers the best insurance rates for safe drivers involves a little more work in order to find coverage that fits your buget. Each insurer has their own formula for determining prices, so to begin we’ll rank the lowest cost insurance companies in Vermont.

It’s important to understand that Vermont insurance rates are impacted by many factors that may substantially change the price you have to pay. Simply having a birthday, moving to a different location, or getting a ticket for careless driving can trigger changes in premium that can make some companies more affordable than the competition.

Cheap Insurance Rates for Safe Drivers

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Safeco may offer some of the lowest car insurance rates in Vermont at around $467 per year. California Casualty, USAA, The Hartford, and Travelers would also be considered some of the more affordable Vermont auto insurance companies.

In the above rates, if you have coverage with California Casualty and switched to Safeco, you may see an annual savings of about $32. Policyholders with USAA could save as much as $178 a year, and The Hartford insureds might lower prices by $179 a year.

Bear in mind that those policy prices are averages for all drivers and vehicles and and are not figured with a rate decrease for safe drivers. So the car insurance company that fits your needs best may not even be in the above rate chart. That underscores the importance of why you need to compare prices as often as possible using your own individual information.

Discounts on cheap auto insurance for safe drivers in Vermont

Insurance companies that offer quotes for safe drivers may also offer rate discounts that can lower rates by 25% or more if you can meet the requirements. The best insurance companies and some of the premium reductions they offer are included below.

The diagram below compares insurance premiums with and without policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Vermont state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, safe-driver, defensive driving course, anti-theft, accident-free, and passive restraint discounts applied. When discounts are applied, the the average yearly reduction on insurance for safe drivers is % or $.

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Ending up with a high-quality car insurance company is difficult considering how many different companies insure vehicles in Vermont. The company ratings shown next can help you analyze which coverage providers to look at comparing rates with. The ratings below only include large insurance companies, so companies without a large exposure will not be included in this list.

How to find cheap auto insurance for safe drivers in Vermont

Below you’ll find a few penny-pinching ideas that can help drivers locate cheap auto insurance.

• Pay less by remaining claim-free
• Avoid preventable accidents
• Bundle car and home insurance and save money
• Lower rates by purchasing a safer vehicle
• Serious violations like DUI or reckless driving can increase rates dramatically
• Comparison shop at least every other year

That last idea is particularly vital, as we pointed out in this article. Rates can be adjusted at any time, so don’t be hesitant to buy from a new company if a cheaper price is available.

Many consumers stick with the same company and that’s fine, but it’s not recommended if that faithfulness ends up costing you a small fortune year after year. Spend a few minutes and compare prices to find cheaper auto insurance for safe drivers.

Cheapest insurance quotes for good drivers

You have many ways to find affordable insurance in Vermont, but the most common methods are from a captive (or exclusive) agency such as State Farm or Auto-Owners, an independent or non-exclusive agent, or buying direct from a company like Progressive or Geico. Each way has the same basic process, but it’s important to point out the distinctions in how they provide price quotes.

Independent insurance agents write for multiple companies and can get rate quotes from all of them. Independent agents will give you a larger rate selection, which can give you improved odds of finding cheaper coverage. If a cheaper price is found, they simply move your policy to a different company and you can remain with the same agent.

An agent who is captive is usually restricted to one insurance company, a couple examples are a State Farm or Allstate agent. They generally cannot provide prices from multiple companies, which will not provide a complete price comparison.

The last way is buying direct, which means you do not use either of the other two types of agents and instead buy from a direct company like Esurance. This insurance option may be preferred by families who do not need high levels of coverage and understand how insurance works.

What is the best way to buy cheap auto insurance for safe drivers in Vermont? Our initial answer would be buying direct results in the best prices since there is no middleman, but that is generally not the case. A good argument could also be made that an independent agent is the best way due to more options, but that’s not always true, either. In the right set of circumstances, exclusive agents may have prices well below independent agents AND direct companies.

Since insurance prices are based on many different factors, the best way to get the lowest rate is to do a thorough rate comparison. The ideal approach is to get prices from all three to get a good idea who is cheapest. For a list of companies offering online discounts, click here to view.