Looking for a Vermont auto insurance policy? Try our free VT car insurance quote finder to get started. Our free tool allows you to compare quotes from many different Vermont auto insurance companies to see where you can find the most affordable rates!

Find the Vermont auto insurance policy you need today!

Vermont Auto Insurance Minimum Requirements

Vermont state law requires that all drivers and owners of registered vehicles have certain auto insurance coverage. The Vermont state minimum car insurance requirements are:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $10,000 property damage liability
• $50,000 uninsured/underinsured motorist coverage per person
• $100,000 uninsured/underinsured motorist coverage per accident
• $10,000 uninsured/underinsured motorist property damage coverage

Bodily injury liability and property damage liability are designed to pay the medical expenses and property damage expenses of the other driver in an accident where you are found to be at fault. These liability coverages will not pay for any expenses that you incur in an accident.

Uninsured/Underinsured motorists coverage is designed to protect you and your property in an accident where the driver who is found to be at fault either does not have insurance or does not have the right amount of insurance.

If you wish to have car insurance to protect your vehicle or to cover your medical expenses from injuries you incur in an accident where you are at fault, you should consider adding collision coverage, comprehensive coverage and personal injury protection.

Collision coverage will cover damages to your vehicle resulting from an accident. Comprehensive coverage will cover damages to your car that are unrelated to an accident such as fire or vandalism. Personal injury protection will cover medical expenses of you and your passengers that resulted from the accident.

Before you purchase your Vermont auto insurance policy you should have some idea of the kinds of coverage you wish to have on your policy. Compare your Vermont auto insurance options now with our free VT car insurance quote finder!

Finding Affordable Vermont Auto Insurance Rates

In 2005, Vermont was found to be number 37 with the states for the highest auto insurance premiums with the average annual auto insurance premium being around $807. This means that 36 states have higher average auto insurance rates than Vermont has.

While this is good news for those living in the Green Mountain state, you may still be looking for lower auto insurance rates. Even though your rates are already low compared to many other states, there are still ways that you may be able to lower your VT auto insurance costs.

Some tips for lowering auto insurance premiums include:

• Finding Discounts: Shop around and see what discounts different auto insurance companies offer.
• Raising Your Deductible: Your auto insurance deductible is the amount you pay when you need your auto insurance policy before your coverage actually kicks in. Having a higher deductible will mean lower premiums.
• Working On Your Credit Score: A low credit score can negatively affect your auto insurance rates. Raising your credit score should help to lower your VT auto insurance rates.
• Shopping Around: Shopping around is one of the easiest ways to save money. Compare different companies to see where the lowest rates are. Our free auto insurance quote finder makes this easy to do.

Vermont Auto Insurance Laws And Penalties

As Vermont auto insurance is required by state law, failure to have proper insurance coverage can result in fines and penalties.

Some of the penalties for being caught not carrying proper Vermont auto insurance include:

• 2 points added to your license
• $100 fine
• You must file proof of financial responsibility with the VT DMV

However, if you have been caught driving without insurance while you are driving under the influence, fleeing the scene of an accident, involved in a car accident, or driving recklessly your license may be temporarily suspended.

Vermont Auto Insurance Companies

When searching for a Vermont auto insurance policy, choosing a company is probably a major part of your auto insurance decision. When comparing auto insurance companies there are a few steps you should take.

• Compare quotes: Of course you should compare each auto insurance company’s rates before you decide and our free VT car insurance quote finder makes this quick and easy for you.
• Make sure they are licensed in VT: Make sure the auto insurance company you are considering is actually licensed to sell car insurance in the state of VT.
• Consider the company’s financial position: You do not want to purchase a policy and then when you need it find out that the company is in no condition to hold up their end of the bargain. Check a company’s financial strength by using independent financial ratings of company’s like A.M Best and Standard & Poor’s.
• Take into account customer satisfaction: As a potential customer of the insurance company, you will want to know that you will be satisfied with the customer service you are given. Read reviews online or ask around to friends and family to see what their experience has been.
• Check out their claims service: Another factor should be the company’s claims service. Making a claim should be easy and convenient for you. Many companies now offer online and 24 hour claims service.

Compare VT Car Insurance Companies Now!

Use our free VT car insurance quote tool to begin comparing Vermont car insurance companies now! You can quickly and easily view multiple VT car insurance quotes from the comfort of your own home.

Get started finding the Vermont car insurance coverage you need right now!