How to Get Cheap Car Insurance Burlington VT

While bare minimum coverage is perfectly legal in all states, most dealerships won’t allow you to drive off the lot with skimpy coverage. If you finance your vehicle, chances are you will be required to purchase more than the bare minimum.

Allstate Auto Insurance
(888) 355-7971
205 Dorset St Ste 200
South Burlington, VT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
11 Pearl St
Essex Junction, VT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Winooski Insurance Agency
(802) 655-9000
476 Main Street
Winooski, VT
 
Collins- Joan M
(802) 657-3500
150 Dorset St
South Burlington, VT
 
Denny Blodgett Agency
(802) 658-2111
410 Shelburne Rd
Burlington, VT
 
Allstate Auto Insurance
(888) 355-7971
205 Dorset St
South Burlington, VT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
372 Hurricane Ln
Williston, VT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Raymond B LeBlanc Ins Agcy Inc - State Farm Insurance Agent
(802) 862-0865
55 White Street
South Burlington, VT
 
Means David - State Farm Insurance Agent
(802) 657-3500
100 Dorset Street Ste 17
South Burlington, VT
 
Hackett Valine & Macdonald Inc
(802) 658-1100
140 Kennedy Dr
South Burlington, VT
 

How to Get Cheap Car Insurance

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Ah, “cheap insurance.” Everyone wants it, but most people don’t understand the consequences of skimping on coverage to save a few bucks. We’re not here to lecture you to no end about why the saying “you get what you pay for” also applies to car insurance. But what we will say is this: opting for cheap insurance in the short-term, will almost always cost you more in the long-term if you end up in a car accident. Now, on to where and how you can find cheap car insurance.

With the exception of New Hampshire, all states and the District of Columbia have mandatory auto insurance laws. These laws are clear about the coverage amounts that every driver in every state must carry. For example, Montana drivers are required to carry coverages in the amounts of 25/50/10. In Arizona, drivers must carry 15/30/10 and in places like Alaska and Maine, drivers must carry 50/100/25. We’ll use 50/100/25 to explain. The first figure of the three translates to for $50,000 for bodily injury per person. The second figure represents $100,000 bodily injury coverage for two or more people, and the third figure translates to $25,000 for property damage.

Now, these mandatory minimum coverages, no matter how high or low, also translate to cheap car insurance, especially if you fall into the low risk category. Low risk drivers are typically over the age of 25, with a clean driving record. If you opt for the minimum coverages and you fall into the low risk category, you can expect to pay much than the national average ($1,844) as the average auto insurance policy sold today included comprehensive and collision coverage. Both coverages are optional.

According to autoinsurancetips.com, while bare minimum coverage is perfectly legal in all states, most dealerships won’t allow you to drive off the lot with skimpy coverage. If you finance your vehicle, chances are you will be required to purchase more than the bare minimum. If you lease a vehicle, you will be required to purchase no less than 100/300/50 plus collision and comprehensive coverage.

If you want to get cheap auto insurance without skimping on coverage, all you have to do is ask your auto insurance provider about discounts. Fortunately, there are discounts for all types of drivers. The most common auto insurance discounts include safe driver discounts, discounts for added safety features and anti-theft devices, low mileage discounts, and multi-policy discounts. If you are a student, you may be entitled to a discount for maintaining a B average or above. This type of discount will certainly come in handy for teens as they currently represent the highest risk group of drivers in the country. This means, they pay the highest premiums as well. Seniors, ages 55 and up are eligible for discounts as well.

In addition to discounts on auto insurance, there is one last option for cheap car insurance. If you raise your deductible, your premium will likely go down. Unfortunately, the amount you will have to pay out of pocket if you are involved in an accident will go up. This amount must be paid before the auto insurance company will pick up the tab for the rest.

For more information about minimum auto insurance coverage in your area, visit your official state insurance department website.

Minimum Car Insurance Requirements in Vermont

Bodily Injury: Yes

First Party Medical Expenses: No

Underinsured Motorist: Yes

Personal Injury Protection: No

Financial Responsibility Only: No

Minimum Liability Limits: 25/50/10

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