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

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

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

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

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

Chester Springfield Proctorsville Grafton North Springfield Baltimore
Average Insurance Rates $1,090 $1,060 $1,066 $1,122 $1,053 $1,080

Chester, 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 Chester, 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)
Chester $1,550 $1,309
Andover $1,560 $1,318
North Springfield $1,972 $1,666
Baltimore $1,337 $1,129
Grafton $949 $801
Proctorsville $1,470 $1,241
Springfield $1,519 $1,283
Cavendish $1,086 $917

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

Teenagers in Chester, 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 $3,537
20 Years $1,401
30 Years $1,079
40 Years $1,038
50 Years $961
60 Years $975
70 Years $1,134

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

Car owners in Chester, 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 $1,897 $283
3 Vehicles $2,845 $425
4 Vehicles $3,793 $567

Savings on 2 Vehicles bundle:$283

Savings on 3 Vehicles bundle:$425

Savings on 4 Vehicles bundle:$567

Chester, 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 Chester, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Chester $1,090 $2,252
Andover $1,130 $2,335
North Springfield $1,053 $2,176
Baltimore $1,080 $2,232
Grafton $1,122 $2,319
Proctorsville $1,066 $2,203
Springfield $1,060 $2,190
Cavendish $1,076 $2,224

Chester, 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) $935
Excellent (740-799) $1,068
Good (670-739) $1,136
Average (580-669) $1,482
Poor (300-579) $1,778

Chester, VT Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Ludlow Insurance Agency Allstate 150 Main St, Ludlow, 5149 (802) 228-8823
Lawrence & Wheeler Inc Liberty Mutual Independent 116 MAIN ST, CHESTER, 5143 (802) 875-2544
R S Carroll Agency None Po Box 888, Gawler, 5156 None
Ct Valley Ins Assoc Allstate 119 Main St, Windsor, 5089 (802) 674-2139

Chester, 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 +$48 $1,138
Driver's Failure In Showing Documents +$106 $1,196
Driving With An Expired Registration +$112 $1,202
Driving At A Considerably Slow Pace +$237 $1,327
Using A Cellphone While Driving +$250 $1,340
Running A Red Light +$254 $1,344
Speeding +$267 $1,357
Driving A Vehicle Without The Required Permission +$339 $1,429
Driving With An Expired/Suspended License +$735 $1,825

Chester, 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 $1,046
Active Disabling Device $1,046
Tracking Device $1,025
Passive Disabling Device $1,014