5 Discounts Winooski Shoppers Overlook when Shopping for Auto Insurance on the Web

Price shopping your Winooski auto insurance is challenging for beginners to comparing rates online. There are so many options available that it can easily become a real hassle to find the best price in Winooski.

If you have a current auto insurance policy or are shopping for new coverage, you can use this information to get lower rates and still get good coverage. The purpose of this post is to instruct you on how car insurance quotes work and some tips to save money. Vermont drivers just need to know the most effective way to compare company rates online.

You probably qualify for some discounts

Companies that sell car insurance don’t always advertise every discount very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than less cautious drivers.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.

Keep in mind that most credits do not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of insurers with the best auto insurance discounts in Vermont, click here.

Fast and Easy Winooski Auto Insurance Quotes

All the larger auto insurance companies provide prices on their websites. Obtaining pricing is pretty easy as you just type in the coverages you want as detailed in the form. Once you submit the form, their system automatically retrieves reports for credit and driving violations and provides a quote based on these factors.

This makes comparing rates easy, but the time it takes to visit different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to find better prices.

The quickest way to compare auto insurance pricing is to use a quote form that gets price quotes from more than one company. It’s a real time-saver, requires less work, and makes online shopping much easier. Immediately after you send the form, your coverage is rated and you are able to buy any one of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The entire process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you enter the insurance coverages just like they are on your policy. This helps ensure you’re receiving an apples-to-apples comparison based on the exact same insurance coverage.

The coverage is in the details

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

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This coverage covers damage to your vehicle resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Auto liability

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as loss of income, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford. Vermont state law requires minimum liability limits of 25,000/50,000/10,000 but it’s recommended drivers buy better liability coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your vehicle.

Due to the fact that many Vermont drivers only carry the minimum required liability limits (25/50/10 in Vermont), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like hospital visits, pain medications, chiropractic care, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

price insurance in Winooski VT

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed, vandalism and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Final considerations

Drivers who switch companies do it for a number of reasons such as unfair underwriting practices, policy non-renewal, delays in responding to claim requests or being labeled a high risk driver. It doesn’t matter what your reason, switching auto insurance companies can be easy and end up saving you some money.

Cheap auto insurance can be bought both online and also from your neighborhood Winooski agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, do not sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced full coverage to discover at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.