Vermont Auto Insurance

Finding Vermont auto insurance simply necessitates a little research to understand what coverage is available, what is required, and how to find it for a reasonable price. So that you don't need to spend any more time on the search, here are the basics to get you started on your quest for affordable and appropriate auto insurance in Vermont.

Types of Vermont Auto Insurance Coverage Available

Here are all the available auto insurance coverage types in the state of Vermont.

• Bodily Injury protection will cover the medical bills for the passengers of the other vehicle should you cause the accident. Vermont requires you carry this coverage on all your vehicles at a limit of $25,000 per person/ $50,000 per accident.
• Property Damage protection will cover the repairs to the other vehicle and other small property damage should you cause the accident. The state of Vermont requires you to carry this coverage at a limit of $10,000 per accident.
• Uninsured Motorists coverage will pay for you and your passenger’s medical bills as well as the repairs to your vehicle should you be involved in a not at-fault accident and the other driver does not have insurance. Vermont requires you carry your uninsured bodily injury at $50,000 per person/ $100,000 per accident. For uninsured property damage, Vermont mandates you carry this limit at $10,000 per accident.
• Medical Payments coverage is not required by Vermont. However, this coverage would protect you and your passengers should you cause an accident; this would pay the medical bills as a result of the accident.
• Comprehensive coverage is also not required by Vermont, but may be required if you are financing or leasing a vehicle. This coverage will pay for repairs to the vehicle should a non-accident related occurrence happen, such as vandalism, certain weather related damages, theft, or glass breakage.
• Collision coverage is not a required coverage, but again might be required should you be financing or leasing your vehicle. This protects your vehicle by paying for the repairs if you cause an accident.
• Extras such as towing and rental coverage are often offered through certain auto insurance companies. Clearly these are not required types of coverage, but they can certainly come in handy during a time of need. Towing service will pick up your vehicle for covered services, and rental coverage will provide a car if your vehicle is being repaired due to a covered accident.

Vermont Auto Insurance Discounts

Another important aspect to keep in mind when shopping for car insurance is to understand what discounts are available within the state of Vermont. Each state enacts different laws which allow or forbid the use of certain discounts by auto insurers. Here are a few of the optional discounts to keep in mind while shopping for your auto insurance in Vermont.

1. Good driver discount: This discount means just what it sounds like; if you maintain a clear record (meaning no accidents or tickets usually within three years), you may be eligible for this discount.
2. Good student discount: This discount helps out full-time students 24 and under that maintain a B average or better. Most companies will require some type of proof to obtain this discount, but always be sure to check and see if your company offers this discount.
3. Accident free discount: This is similar to the good driving as you must have maintained no accidents over a period of three years or more. However, this discount can increase over time the longer you go accident free! Also some companies choose to waive the accident surcharge on your first accident.
4. Multiple lines discount: By insuring your home and auto under the same company (sometimes umbrella and motorcycle as well), you may be eligible for a discount. Some companies that offer this will give you a discount on all policies too!
5. Passive restraint/vehicle safety discount: This is sometimes offered when your vehicle is 1994 or older and offers certain safety features that will help protect you and your passengers in case of an accident.
6. Multiple auto discount: If you have two or more vehicles (coming from the same household) on a policy, it could automatically be eligible for a discount.

Find the Cheapest Vermont Auto Insurance Rates

While this information is certainly helpful to understand, it is just as important to shop around at multiple companies before deciding to stick with one! Once you understand which coverage types are required, which fit your needs best, and which discounts apply to you, compare at least three major auto insurance companies. This will help to get you the best possible policy for the best price. In fact, don’t delay your search any longer; use our free search tools at the top of the page to get started on finding your Vermont auto insurance policy today!