Who Has Cheap Insurance for Ride Shares in Vermont?

One of the more important things that is used by auto insurance companies to calculate the amount you pay for auto insurance is your address in Vermont. Regions with more people or even just more weather-related claims like West Brattleboro, Newport, and Saint Johnsbury tend to pay more, whereas areas with less traffic congestion and claims have the enjoyment of a little cheaper coverage.

The illustration below sorts the highest-priced areas in Vermont to purchase a policy in.

Premium amounts are comparative as the specific Vermont residence address can affect coverage rates considerably.

The car, truck, or SUV that needs insurance is probably the most important factor when comparison shopping for the best cheap auto insurance . Vehicles with high performance, a lack of modern safety features, or a history of substantial liability claims will cost substantially more to insure than more modest models. The next list presents auto insurance rates for some of the most affordable vehicles to insure.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in vehicle location which can raise or lower insurance rates substantially.

Based upon these rates, we can infer that cars like the Dodge Grand Caravan, Hyundai Tucson, and Honda CR-V are likely to be some of the more affordable vehicles to insure .

Deciphering which companies have the best insurance rates calls for a bit more work in order to find the lowest price. Each insurer has their own process for establishing rates, so let’s examine the most affordable insurance companies in Vermont.

It’s important to understand that Vermont insurance rates are influenced by many factors that control your annual premium. Simply improving your credit, buying a home instead of renting, or getting a reckless driving citation can trigger rate changes resulting in some rates now being cheaper than competitors.

Cheap Insurance Rates

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Safeco may have some of the best car insurance rates in Vermont at around $467 per year. California Casualty, USAA, The Hartford, and Unitrin also are some of the most economical Vermont car insurance companies.

As the rates illustrate above, if you have coverage with Unitrin and switched to California Casualty, you could earn an annual premium reduction of roughly $227. Customers with Travelers could save as much as $232 a year, and Co-Operative Insurance insureds might realize rate reductions of up to $263 a year.

To compare your rates to other Vermont insurance companies, click here to get a free quote or visit any of the companies below.

Understand that those policy prices are averages for all types of insureds and vehicles and and are not figured with a rate discount . So the insurer that has the cheapest rates for you may not even be included in the rate chart shown above. That point stresses why you need to compare rates from multiple companies using your own driver data and vehicle information.

Vermont insurance company ratings

Finding the top auto insurance company can be challenging considering how many choices there are in Vermont. The information in the next section can help you select which coverage providers you want to consider when shopping insurance around . The ratings below only include companies that write coverage in many states, so smaller regional companies are not factored into the list.

Top 10 Major Auto Insurance Companies Overall in Vermont

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Discounts on cheap insurance in Vermont

Insurance companies that offer quotes may also give you policy discounts that can reduce rates by 35% or more if you meet specific criteria. Companies and some of the discounts are:

The chart below illustrates the comparison of premium costs with and without discounts. Data assumes a male driver, no claims, a clean driving record, Vermont state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with vehicle safety, safe-driver, passive restraint, homeowner, multiple vehicle, and accident-free discounts applied. When discounts are applied, the the average amount saved on insurance is % or $.

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Cheapest car insurance: Allstate, State Farm, Geico, or Progressive

When shopping around for car insurance , the most popular companies are Allstate, State Farm, Geico, and Progressive. Combined they have almost half of all car insurance policies in America. They all offer unique features and discounts that may influence which company you choose. The next table illustrates some of the ratings and options offered by each one.