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Vermont Car Insurance (VT)

Vermont Car Insurance

The owner or operator of a vehicle must have minimum liability coverage:
- $25,000 per person for Bodily Injury;
- $50,000 per accident for Bodily Injury;
- $10,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;
- Uninsured motorist;
- Underinsured motorist;

Proof of insurance required:
- At registration (NO)
- At time of accident (YES)
- At all times in vehicle (YES)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Compare Car Insurance Quotes in Vermont

If you are a resident of Vermont and own a car, you would be prompted to insure it and pay up the premiums regularly. But have you ever wondered how you could decrease the premium amount of car insurance in Vermont? The cost of auto insurance is presently set at 25/50/10. In the absence of such coverage, a owner of a car needs to have $115,000 in his bank account which can be easily accessed and requires to be proved when demanded by the police. Vermont is also one of those two states which have the underinsured motorist coverage which is a way of shielding one if they are not faulty in an accident and the faulty party is unable to pay for the victim. The minimum of underinsured motorist coverage in such cases is 50/100 wherein $50,000 is coverage per person up to a value of $100,000 per accident.

There is a specific system called the Tort system wherein one needs to pay for covering the cost of the accident if he is found guilty. Here the amount would be deducted from the insurance up to that value covered by the paid premiums to cover up the damages to the other person. It should be noted that the coverage available under the cheaper insurances would not be sufficient and moreover it could not be dependable at all. As such it would be prudent if one would stop looking out for cheaper sources and make use some of the tips described below to reduce the insurance costs.

1. In Vermont, the cost of insurance also depends on the type and make of the car. Having an ordinary car could result in lower premium amounts in car insurance in Vermont.

2. It is always suggestible to choose a higher deductible so that benefit could be derived out of the car insurance premiums.

3. Most important thing to be followed in lower insurance amounts would be to drive the car carefully. A rash driving and a reckless driving in Vermont could attract fines and tickets. There are high chances of accidents too in case of reckless driving. This aspect of reckless driving when avoided could lead to lowering of premium amounts in car insurance.

4. Mileage is another component that may affect the cost of premium in car insurance. It is better to drive the car for shorter distances. This basically can benefit anyone in Vermont in low mileage discount facility in the car insurance.

5. Most people use their cars even for business purposes. This may be a disadvantage in terms of premium amounts in car insurance. The fact that a higher premium has to be paid if the car has been used for business purposes would monetarily burden on while paying up the premium for the insurance. As such it is advisable not to use a personal car for business purposes and hence lower the insurance premium. This would also have an influence on the mileage of the car and as such one would experience a low mileage using which they can obtain benefit in the low mileage discount in the insurance.

6. It is better to have some kind of devices installed in the car that would help one in cases of theft. Devices like theft alarms, steering lock, anti brake locks, air bags and automatic safety belts could be helpful in reducing the premium amount. Devices related to the safe driving would also reduce the burden of coughing up more money for repairs as well as for insurance premium.

7. It is a good idea to always combine the car insurance with other types of insurance so as to benefit from the discounts obtained by doing so.

8. There is also an advantage of purchasing insurance online so that some of the overhead costs are lowered by doing so.

Enter Your Zip Code to Find Insurance Quotes in Vermont:

Vermont Department of Insurance

  • 89 Main St.
  • Montpelier, VT 05620
  • Phone: (802) 828-3301

Vermont Department of Transportation

  • One National Life Drive
  • Montpelier, VT 05633
  • Phone: (802) 828-2657

Vermont Department of Motor Vehicles

  • 120 State Street
  • Montpelier, VT 05603
  • Phone: (802) 828-2000
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