Cheap Auto Insurance Quotes for Handicapped Drivers in Vermont

You’ve seen the captivating ads from insurers like Progressive and Farmers guaranteeing enormous savings, so drivers should just choose the one with the flashiest ad, right?

Regrettably, it’s not quite that easy, as there are a ton of unknown aspects such as if you are claim-free, the area where you live, if you have a lapse in coverage, and the type of vehicle you drive, that all factor into the price you pay. If you keep reading, we will teach you about the things that influence insurance rates and should give you a good start in finding the cheapest car insurance in Vermont.

Trying to buy reasonably-priced insurance is not most people’s favorite thing to do, and deciding which companies quote the best car insurance rates for handicapped drivers will involve even more diligence.

Each insurer uses a slightly different approach for establishing rates, so we’ll take a look at the lowest cost car insurance companies in Vermont. It’s important to know that Vermont car insurance rates are impacted by many factors which can substantially change the cost of having a policy. Things like having a birthday, increasing liability limits, or getting a ticket for careless driving may generate price changes that can cause some rates to be cheaper in comparison to the competition.

Cheap Insurance Rates in Vermont

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google.charts.setOnLoadCallback(drawVTT5qcibChart);function drawVTT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Safeco’, 477, ‘#F08550’], [‘California Casualty’, 519, ‘#C86E42’], [‘The Hartford’, 627, ‘#A65B37’], [‘USAA’, 638, ‘#8A4B2D’], [‘Unitrin’, 710, ‘#733E25’]]);var options = {title: ‘Most Affordable Auto Insurance Companies in Vermont’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:810,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Safeco may offer some of the cheapest car insurance rates in Vermont at around $477 each year. California Casualty, The Hartford, USAA, and Unitrin would also be considered some of the cheapest Vermont car insurance companies.

In this example, if you have coverage with USAA and switched to Safeco, you could realize a yearly price reduction of in the vicinity of $161. Customers with Unitrin might save as much as $233 a year, and Travelers insureds might reduce rates by $238 a year.

These estimates are averages for all ages of drivers and types of vehicles and do not factor in a price discount for handicapped drivers. So the insurer that has the cheapest price for you may not even be featured in the list of companies above. That helps illustrate why you need to compare rates from multiple companies using your own driver data and vehicle information.

The type of vehicle you are insuring is one of the primary factors when looking for the best auto insurance for handicapped drivers. Vehicles with lots of speed or power, poor crash test ratings, or high incidents of liability claims will cost substantially more to insure than more economical and safe models. The next list ranks auto insurance costs for a number of the most affordable automobiles to insure.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific Vermont garaging location which can modify premiums considerably.

Based upon the rates shown, we can conclude that makes and models like the Honda Accord, Toyota Tacoma, Honda CR-V, Ford Escape, and Chevrolet Traverse are going to be some of the less-costly vehicles to insure for drivers with handicaps.

Finding a good quality car insurance provider can be challenging considering how many different companies there are to choose from in Vermont. The information listed below may help you decide which coverage providers you want to consider purchasing coverage from. These rankings are only made up of companies that insure vehicles across America, so companies that have a smaller presence are not included in this list.

Top 10 Major Auto Insurance Providers in Vermont Ranked by A.M. Best Rating

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Esurance – A+
6. Allstate – A+
7. Nationwide – A+
8. Progressive – A+
9. The Hartford – A+
10. The General – A-

How careless driving impacts Vermont car insurance rates

The easiest way to get cheap auto insurance for handicapped drivers in Vermont is to be a good driver and avoid accidents and traffic violations. The example below illustrates how speeding tickets and at-fault collisions increase insurance costs for different ages of insureds. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

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In the previous example, the average cost of a car insurance policy per year with no accidents and a clean driving record is $774. Get written up for one speeding ticket and the average cost rises to $903, an increase of $129 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of car insurance for handicapped drivers jumps again to an average of $2,107. That’s an increase of $1,333, or $111 per month, just for not driving responsibly!

How to find economical auto insurance for handicapped drivers

The list below shows some of the recommended money-saving solutions that can help Vermont drivers locate lower-cost auto insurance.

• Speeding tickets and other violations increase rates
• At-fault accidents can raise rates significantly
• Good credit can help you save money
• Raise deductibles to save money
• Drive vehicles with five-star safety ratings
• On older vehicles, drop full coverage
• Shop around for cheaper prices

That last tip is incredibly necessary, as we hit on in this write-up. Insurance rates go up and down frequently, so drivers shouldn’t be reluctant to buy from a different company if you can find a cheaper rate. Having brand loyalty is commendable, but it’s not a great idea if that loyalty ends up costing big bucks every year. If you have a few minutes, compare rates to find cheaper auto insurance for handicapped drivers.