Albany Auto Insurance Rates, Quotes, Agents & Reviews in VT

Albany, VT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Albany, VT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Albany, VT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Albany, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Albany, VT with that of other cities in and around Albany.

Albany Orleans County Orleans Greensboro Craftsbury Irasburg
Average Insurance Rates $1,068 $1,070 $1,046 $1,118 $1,076 $1,070

Albany, VT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Albany, VT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Albany $1,557 $1,315
Craftsbury $1,371 $1,158
Glover $1,119 $945
Irasburg $1,102 $931
Lowell $1,357 $1,146
Orleans County $1,323 $1,117
Greensboro $1,852 $1,564
Orleans $2,470 $2,086

Albany, VT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Albany, VT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,465
20 Years $1,372
30 Years $1,057
40 Years $1,017
50 Years $942
60 Years $955
70 Years $1,111

Albany, VT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Albany, VT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,858 $278
3 Vehicles $2,787 $417
4 Vehicles $3,717 $555

Savings on 2 Vehicles bundle:$278

Savings on 3 Vehicles bundle:$417

Savings on 4 Vehicles bundle:$555

Albany, VT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Albany, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Albany $1,068 $2,207
Craftsbury $1,076 $2,224
Glover $1,075 $2,221
Irasburg $1,070 $2,211
Lowell $1,066 $2,203
Orleans County $1,070 $2,211
Greensboro $1,118 $2,310
Orleans $1,046 $2,162

Albany, VT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $916
Excellent (740-799) $1,046
Good (670-739) $1,113
Average (580-669) $1,452
Poor (300-579) $1,742

Albany, VT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$47 $1,115
Driver's Failure In Showing Documents +$104 $1,172
Driving With An Expired Registration +$110 $1,178
Driving At A Considerably Slow Pace +$232 $1,300
Using A Cellphone While Driving +$245 $1,313
Running A Red Light +$249 $1,317
Speeding +$262 $1,330
Driving A Vehicle Without The Required Permission +$332 $1,400
Driving With An Expired/Suspended License +$720 $1,788

Albany, VT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,025
Active Disabling Device $1,025
Tracking Device $1,004
Passive Disabling Device $993