Is Your Montpelier, VT Auto Insurance Too High? Start Saving Today

I can’t think of anyone who cherishes buying auto insurance, particularly when they are paying too much. Because there are so many options when it comes to auto insurance, it can be hard to find the right provider.

Finding affordable protection in Montpelier is easy if you know what you’re doing. If you have a current auto insurance policy or are just looking to switch companies, you can use this information to reduce the price you pay and possibly find even better coverage. Vermont vehicle owners only need to know the most effective way to compare company rates on the web.

Finding Auto Insurance in Montpelier

Most companies like Allstate, GEICO and Progressive give prices for coverage on the web. Getting quotes is quite simple as you just enter the amount of coverage you want into the quote form. After you submit the form the company’s rating system gets credit information and your driving record and returns a price based on these and other factors. This streamlines rate comparisons, but the process of having to visit several different sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes in order to find the lowest price.

Rate comparisons made easy

The quickest way to locate the lowest prices uses one simple form to return rates from more than one company. This type of form saves time, requires less work, and makes quoting online much easier. Immediately after submitting the form, it is quoted and you can choose any of the quotes that you receive.

If you find a better price you simply finish the application and purchase the new policy. The whole process takes just a few minutes to complete and could lower your rates considerably.

In order to fill out one form to compare multiple rates now, click here and fill out the form. If you currently have coverage, we recommend that you enter the insurance coverages identical to your current policy. This makes sure you will have an apples-to-apples comparison for similar insurance coverage.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some must be asked for before you get the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Accident Forgiveness – Certain companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will help reduce the amount you have to pay.

To see a list of companies with discount auto insurance rates in Vermont, click this link.<img class="alignright" style="padding-top:15px;" src="" alt="Vermont car insurance quote”/>

Lower your Montpelier Auto Insurance Rates

Smart consumers have a good feel for the rating factors that come into play when calculating your auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in better auto insurance rates.

  • Adjust deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay before your auto insurance pays a claim. The higher the amount you have to pay, the bigger discount you will receive.
  • Tickets mean higher rates – A bad driving record has a big impact on rates. Even one moving violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums than bad drivers. If you have serious violations like DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to continue driving.
  • The type of vehicle makes a difference – The performance level of the vehicle you are insuring makes a substantial difference in determining your rates. Small economy passenger models usually have the lowest rates, but the final cost of insurance is determined by many other factors.
  • Pay less if you’re married – Having a spouse can actually save you money on your auto insurance policy. Marriage is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Policy add-ons can waste money – There are a lot of extra bells and whistles that can waste your money when buying auto insurance. Coverages for roadside assistance, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • Big city or small town – Being located in less populated areas has it’s advantages when it comes to auto insurance. Urban drivers have to deal with congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident.
  • Don’t sacrifice liability coverage – Liability insurance will protect you in the event that a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so do not skimp.
  • Your occupation can affect rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like doctors, social workers and financial analysts tend to pay higher average rates in part from high stress levels and lots of time spent at work. Conversely, professions such as pilots, engineers and homemakers have the lowest average rates.

Are insurance agents obsolete?

Certain consumers would prefer to visit with an insurance agent and that is a personal choice. Licensed agents can answer important questions and help in the event of a claim. One of the great benefits of price shopping on the web is you can get better rates and still choose a local agent. And supporting small agencies is important particularly in Montpelier.

For easy comparison, once you complete this simple form, your insurance coverage information is submitted to companies in Montpelier who will return price quotes to get your business. You never need to leave your computer due to the fact that quote results will go directly to your email. It doesn’t get any easier!

Best car insurance agent in Montpelier

When looking for a reliable agent, you need to know there are two types of agencies that you can select. Montpelier agents can either be captive or independent (non-captive). Either one can properly insure your vehicles, but it’s good to learn the differences because it can influence your agent selection.

Independent Agents

These agents are not employed by any specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.

When comparing rates, it’s recommended you get quotes from at least one independent agent to have the most options to choose from.

Listed below are Montpelier independent insurance agencies who can help you get competitive price quotes.

Granite Mutual Insurance Co – 89 State St – Montpelier, VT 05602 – (802) 223-2341
David Zophin Agency – 2 Moonlight Ter – Montpelier, VT 05602 – (802) 223-1990
Poulos Insurance – 81 River St – Montpelier, VT 05602 – (802) 229-5727

Captive Insurance Agents

This type of agents work for only one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they have to upsell other benefits. Captive agencies are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.

Selecting a car insurance agent requires more thought than just the premium amount. Some important questions to ask are:

Vermont car insurance quote

  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Which insurance companies are they affiliated with?
  • Which company do they place the most coverage with?
  • Do the coverages you’re quoting properly cover your vehicle?

Upon getting reasonable responses to all your questions and locked in a price quote, it’s possible that you found a car insurance agent that will properly service your auto insurance policy.

Will just any policy work for me?

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine if you may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • Is my custom paint covered by insurance?
  • Exactly who is provided coverage by my policy?
  • When does my teenage driver need to be added to my policy?
  • Does my vehicle qualify for pleasure use?
  • How much liability coverage do I need in Vermont?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Additional information is located on the website for the Vermont Department of Financial Regulation located here. Vermont drivers can get help finding coverage, find out industry alerts, discover disciplinary actions, and find disaster information.

What is YOUR best insurance company?

Cost effective auto insurance can be bought from both online companies and with local Montpelier insurance agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

You just read many tips how you can lower your auto insurance rates. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a small mutual company. Smaller companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.