Do you live in Vermont and need cheap car insurance? Look no more. We can get you great quotes if just by entering a Zip Code in the box you see at the top of this page. In just moments, you’ll have Vermont auto insurance quotes showing the cheapest rates.
The Green Mountain state of Vermont reports that it has 500,000 licensed drivers. Like all states, some of these people drive illegally, without proper coverage. While there were only 46 fatalities in Vermont 2008, there were nearly 14,000 accidents. The state attracts a lot of tourists and has a lot of hills and twisting rural roads. Mixing tourits, winding roads and winter snows means the need for auto insurance is a sure thing in Vermont.
The minimum insurance requirements in Vermont are some of the strictest of all the states. The state does not have any no-fault legislation. Because it is a tort state, blame is assigned to a driver when there is an accident. The driver at fault is liable for all damages. The state has a requirement for coverage from uninsured/underinsured drivers. The auto insurance minimums in Vermont are:
- $25,000/$50,000 bodily injury per person per accident/for all persons per accident
- $10,000 property damage liability
- $50,000/$100,000 uninsured/underinsured motorist bodily injury
- $10,000 uninsured motorist property damage
Cheap care insurance in VT will depend in part on how much coverage is carried above these minimums. Drivers face the possibility of lawsuits states under the tort system. Because of this and the low minimums, most Vermont drivers select coverage above the coverage required.
Drivers in Vermont are required to carry proof of insurance at all times. If you are stopped by law enforcement, and you do not have proof of insurance,you will be issued a ticket for the violation will be issued with a $100 fine. If you are convicted of driving without insurance your car can be impounded and your drivers license suspended.
Cheap car insurance in VT is available. The rates you are quoted will include a number of factors that deal with risk. Some of these factors you control and others you don’t. Insurance providers set rates based on their evaluation of risk that a driver will have an accident or file a claim for damages.
The first thing insurance companies evaluate is a driver’s safety record. Avoiding accidents and obeying the traffic laws will keep auto insurance in VT cheap for most drivers. The make and model of your car you drive and whether you drive during rush hour also affect the calculations of the insurance providers. Buying auto insurance in VT is cheaper if you don’t live in the big cities and you don’t drive to work during rush hours. Aside from your driving record, being at least a high school graduate and going to driver’s education classes will earn you a discount from most insurance companies.
Cheap car insurance in VT can be found through our comparison website. The work has been done and the quotes are waiting for you. Just enter your Zip Code above. You’ll be able to start saving today.