Cheapest Auto Insurance for Low Mileage Drivers in Vermont

Finding out which company offers the best insurance rates for low mileage drivers will require more work than just picking a company at random. Each auto insurer has their own process for determining prices, so let’s look at the rankings for the lowest cost insurance companies in Vermont.

It’s a good idea to know that Vermont insurance rates are determined by lots of factors that can increase the policy price. Turning one year older, getting married, or having an accident may cause policy rate changes resulting in some companies being much cheaper than others.

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Safeco quotes some of the best car insurance rates in Vermont at around $463 each year. California Casualty, The Hartford, USAA, and Unitrin also qualify as some of the cheapest Vermont insurance companies.

As illustrated above, if you have coverage with California Casualty and switched to Safeco, you could earn yearly savings of around $41. Insureds with The Hartford might save as much as $176 a year, and USAA policyholders might reduce rates by $182 a year.

To discover how much you can save, click here to start a quote or visit any of the companies below.

Remember that these policy prices are averaged for all drivers and vehicles in Vermont and and are not calculated with a rate discount for low mileage drivers. So the insurer that is most affordable for your situation may not even be in the company chart above. That affirms the importance of why you need to quote rates from many companies using your own driver data and vehicle information.

The vehicle that is being insured is one of the main factors that determines if you can find low-cost coverage for low mileage drivers. Vehicles with high performance engines, poor safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models. The information below illustrates coverage prices for a handful of the most cost-effective automobiles to buy insurance for.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can increase or decrease auto insurance rates noticeably.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in specific zip code location which can alter premium rates substantially.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in vehicle location which can change auto insurance rates considerably.

Drive safe and save

The easiest way to obtain the most affordable insurance rates in Vermont for infrequent drivers is to drive attentively and avoid accidents and traffic violations. The diagram below shows how violations and at-fault collisions raise annual premium costs for each age group. The premiums assume a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

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The data in the chart shows the average cost of auto insurance in Vermont per year with a clean driving record and no accidents is $1,677. Get written up for two speeding tickets and the average cost rises to $2,217, an increase of $540 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for low mileage drivers jumps again to an average of $4,239. That’s an increase of $2,562, or $213 per month, just for not being attentive to the road!

Does Progressive, Geico, State Farm, or Allstate have the cheapest car insurance?

If you want the best car insurance for infrequent drivers, four companies to take a look at are Progressive, Geico, State Farm, and Allstate. The following table compares and contrasts some of the different features that are available for customers.

How to find the cheapest car insurance for low mileage drivers

The list below shows a few thrifty suggestions that can help drivers get cheap car insurance.

• Good credit can save money
• Maintain a clean driving record
• Raise your deductibles
• Staying accident-free helps keep rates low
• Do not pay for full coverage on older vehicles
• Buy vehicles with five-star safety ratings
• Compare rates once a year for cheaper prices

That last tip is highly vital, as was discussed in the prior information. Car insurance rates in Vermont go up and down frequently, so drivers shouldn’t hesitate to change to a new company if a more affordable rate is found.

Being loyal to a particular company is commendable, but is isn’t recommended if that devotedness results in you overpaying money that could be spent on other things. In less than five minutes you could compare rates and find cheaper car insurance for low mileage drivers.