There are plenty of Vermont Car Insurance companies that can offer you affordable rates. However, you will first need a to learn a thing or two about Vermont itself and what sort of conditions car owners and car insurance companies have to deal with in that particular state.
The average cost of car insurance, car insurance laws, problems with DUI’s and other car accidents, discount options and even car theft are issues which you need to think about if you want to find great coverage and premiums. So if you haven’t yet researched these things then now is the best time to start, and the following bits of information is here to help you do just that.
Now, the first thing that you have to know about Vermont car insurance is what the minimum liability requirements are. Like all other states, Vermont requires drivers to buy a certain level of coverage before they are allowed to drive. Moreover, they are required to carry proof of their compliance whenever they operate a vehicle.
Also, the Department of Vermont State Government is the regulating body behind these requirements, as well as their respective penalties. Having said that, Vermont’s car insurance requirements can be summed up as 25/50/10. What this basically means is that you will need to have liability insurance coverage of no less than:
$25,000 per person injury coverage
$50,000 per accident injury coverage
$10,000 for property damage coverage per accident
Compared to the liability insurance requirements in other states, these figures are pretty average. However, they are also largely insufficient if you are to get involved in a serious accident. At best, this amount will only reduce your payments for damages by a small fraction. And it is for this reason why you should try to get additional coverage if you can spare the money.
The good news is that you can easily get additional coverage for less money than in other states. The reason is that the average cost of car insurance in Vermont is significantly cheaper compared to the rest of the country. Last 2010, the average cost of car insurance in Vermont was only around $1,250, whereas the national average was $1,500. What this basically means is that because car insurance rates are lower in Vermont, most drivers in that state can afford to get more coverage.
However, despite the low cost of car insurance in Vermont, you will still need to do some work finding the right car insurance company. Before that however, you will need to make sure that they are licensed to sell car insurance in your city or state. Moreover, you should look at their premiums, policies and discounts, so that you will have a good idea of how much you’ll be expected to pay in the long runFinding a series of quotes is the best way to go about this, but if you have the time, you should also try to visit the websites of those car insurance companies which operate in your town or state. Here’s a short list of Vermont car insurance companies that you may be interested in. Check their sites and see what kind of offers they have.
Allstate
AT
Farmers
State Farm
Foremost
Progressive
Hartford
GEICO
Liberty Mutual
Nationwide
Most Stolen Cars in Vermont
Car insurance is affected by a lot of things, and one of them happens to be car theft. When a client’s car gets stolen, some car insurance agents will automatically begin computing how much money they will need to pay the client. So because of the loss of revenue, car insurance companies are always wary of cars who have a very high risk of getting stolen.
And in 2010, Vermont’s 10 most stolen cars included the following:
2006 Ford F-150
1995 Jeep Wrangler
1996 Subaru Legacy
1998 Ford Taurus
1995 Ford Ranger
1998 Chevrolet C/K 1500
1999 Chevrolet Cavalier
2006 Toyota Corolla
1997 Volkswagen Jetta
1996 Dodge Caravan
If you can find your car on the list above then there’s a very good chance that you’ll get higher premiums from most car insurance providers, especially if you live in a town where stolen cars are a constant problem.
However, you shouldn’t lose all hope. Even if your car is on the list, you can still improve the situation by installing alarms and locks on your car. Most of these devices aren’t all that expensive, and what really matters is that they lower a car’s chances of getting stolen. If you can do that, your car insurance provider will be more inclined to give you lower premiums.
DUI/DWI Laws in Vermont, and Why They Matter
Vermont car insurance companies have to worry about car related accidents and fatalities all the time. And one of the most common sources of fatalities is drunk driving. DUI’s/DWI’s are not just a problem for state and city authorities, they are also a problem for most car insurance companies, since they are the ones who will be asked to pay for damages. As this is the case, you may want to learn a thing or two about DUI in the state of Vermont.
For example, first time offenders of DUI can face the following penalties:
2 Years (Maximum) Worth of Jail time
Around 90 Days of License Suspension
$750 in Fines
A Minimum of $160 in DUI Surcharges
However, in circumstances where a person’s DUI violation is considered particularly bad (like if he was driving with a minor at the time of the arrest), that person could potentially face a very long license suspension, pending the approval of certain requirements. In such cases, there are several options by which the motorist charged with the DUI can have his license reinstated. These typically include:
The Completion of an Alcohol and Driving Education Program
Undergoing a Complete Treatment Assessment
Undergoing a Therapy Program
In addition to the penalties of being charged with a DUI, you will also face problems with your car insurance premiums. If a DUI causes your premiums to go up significantly then you may want to trade your current policy for a high risk car insurance policy. Again, finding the right car insurance company can help you find what you need, and it is for this reason why you need to perform as much research as possible.
The average cost of car insurance, car insurance laws, problems with DUI’s and other car accidents, discount options and even car theft are issues which you need to think about if you want to find great coverage and premiums. So if you haven’t yet researched these things then now is the best time to start, and the following bits of information is here to help you do just that.
Now, the first thing that you have to know about Vermont car insurance is what the minimum liability requirements are. Like all other states, Vermont requires drivers to buy a certain level of coverage before they are allowed to drive. Moreover, they are required to carry proof of their compliance whenever they operate a vehicle.
Also, the Department of Vermont State Government is the regulating body behind these requirements, as well as their respective penalties. Having said that, Vermont’s car insurance requirements can be summed up as 25/50/10. What this basically means is that you will need to have liability insurance coverage of no less than:
$25,000 per person injury coverage
$50,000 per accident injury coverage
$10,000 for property damage coverage per accident
Compared to the liability insurance requirements in other states, these figures are pretty average. However, they are also largely insufficient if you are to get involved in a serious accident. At best, this amount will only reduce your payments for damages by a small fraction. And it is for this reason why you should try to get additional coverage if you can spare the money.
The good news is that you can easily get additional coverage for less money than in other states. The reason is that the average cost of car insurance in Vermont is significantly cheaper compared to the rest of the country. Last 2010, the average cost of car insurance in Vermont was only around $1,250, whereas the national average was $1,500. What this basically means is that because car insurance rates are lower in Vermont, most drivers in that state can afford to get more coverage.
However, despite the low cost of car insurance in Vermont, you will still need to do some work finding the right car insurance company. Before that however, you will need to make sure that they are licensed to sell car insurance in your city or state. Moreover, you should look at their premiums, policies and discounts, so that you will have a good idea of how much you’ll be expected to pay in the long runFinding a series of quotes is the best way to go about this, but if you have the time, you should also try to visit the websites of those car insurance companies which operate in your town or state. Here’s a short list of Vermont car insurance companies that you may be interested in. Check their sites and see what kind of offers they have.
Allstate
AT
Farmers
State Farm
Foremost
Progressive
Hartford
GEICO
Liberty Mutual
Nationwide
Most Stolen Cars in Vermont
Car insurance is affected by a lot of things, and one of them happens to be car theft. When a client’s car gets stolen, some car insurance agents will automatically begin computing how much money they will need to pay the client. So because of the loss of revenue, car insurance companies are always wary of cars who have a very high risk of getting stolen.
And in 2010, Vermont’s 10 most stolen cars included the following:
2006 Ford F-150
1995 Jeep Wrangler
1996 Subaru Legacy
1998 Ford Taurus
1995 Ford Ranger
1998 Chevrolet C/K 1500
1999 Chevrolet Cavalier
2006 Toyota Corolla
1997 Volkswagen Jetta
1996 Dodge Caravan
If you can find your car on the list above then there’s a very good chance that you’ll get higher premiums from most car insurance providers, especially if you live in a town where stolen cars are a constant problem.
However, you shouldn’t lose all hope. Even if your car is on the list, you can still improve the situation by installing alarms and locks on your car. Most of these devices aren’t all that expensive, and what really matters is that they lower a car’s chances of getting stolen. If you can do that, your car insurance provider will be more inclined to give you lower premiums.
DUI/DWI Laws in Vermont, and Why They Matter
Vermont car insurance companies have to worry about car related accidents and fatalities all the time. And one of the most common sources of fatalities is drunk driving. DUI’s/DWI’s are not just a problem for state and city authorities, they are also a problem for most car insurance companies, since they are the ones who will be asked to pay for damages. As this is the case, you may want to learn a thing or two about DUI in the state of Vermont.
For example, first time offenders of DUI can face the following penalties:
2 Years (Maximum) Worth of Jail time
Around 90 Days of License Suspension
$750 in Fines
A Minimum of $160 in DUI Surcharges
However, in circumstances where a person’s DUI violation is considered particularly bad (like if he was driving with a minor at the time of the arrest), that person could potentially face a very long license suspension, pending the approval of certain requirements. In such cases, there are several options by which the motorist charged with the DUI can have his license reinstated. These typically include:
The Completion of an Alcohol and Driving Education Program
Undergoing a Complete Treatment Assessment
Undergoing a Therapy Program
In addition to the penalties of being charged with a DUI, you will also face problems with your car insurance premiums. If a DUI causes your premiums to go up significantly then you may want to trade your current policy for a high risk car insurance policy. Again, finding the right car insurance company can help you find what you need, and it is for this reason why you need to perform as much research as possible.
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