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

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

Zimlon, through its research, found that car owners in Charlotte, 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 Charlotte, 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.


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

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

Charlotte Ferrisburgh South Burlington Essex Shelburne St. George
Average Insurance Rates $1,237 $1,119 $1,129 $1,687 $1,189 $1,106

Charlotte, 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 Charlotte, 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)
Charlotte $1,980 $1,672
Shelburne $1,222 $1,032
Ferrisburgh $1,340 $1,132
Monkton $1,406 $1,188
Hinesburg $1,516 $1,281
St. George $2,114 $1,785
Essex $1,588 $1,342
South Burlington $1,320 $1,115

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

Teenagers in Charlotte, 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 $4,014
20 Years $1,589
30 Years $1,224
40 Years $1,178
50 Years $1,091
60 Years $1,106
70 Years $1,287

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

Car owners in Charlotte, 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 $2,128 $346
3 Vehicles $3,191 $520
4 Vehicles $4,255 $693

Savings on 2 Vehicles bundle:$346

Savings on 3 Vehicles bundle:$520

Savings on 4 Vehicles bundle:$693


Charlotte, 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 Charlotte, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Charlotte $1,237 $2,556
Shelburne $1,189 $2,457
Ferrisburgh $1,119 $2,312
Monkton $1,114 $2,302
Hinesburg $1,141 $2,358
St. George $1,106 $2,286
Essex $1,687 $2,545
South Burlington $1,129 $2,333

Charlotte, 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) $1,061
Excellent (740-799) $1,211
Good (670-739) $1,289
Average (580-669) $1,682
Poor (300-579) $2,018

Charlotte, 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 +$54 $1,291
Driver's Failure In Showing Documents +$120 $1,357
Driving With An Expired Registration +$127 $1,364
Driving At A Considerably Slow Pace +$268 $1,505
Using A Cellphone While Driving +$283 $1,520
Running A Red Light +$288 $1,525
Speeding +$303 $1,540
Driving A Vehicle Without The Required Permission +$385 $1,622
Driving With An Expired/Suspended License +$834 $2,071

Charlotte, 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 $1,188
Active Disabling Device $1,188
Tracking Device $1,163
Passive Disabling Device $1,150