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

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

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

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

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

Colchester South Burlington Burlington Winooski Essex Junction Milton
Average Insurance Rates $1,121 $1,129 $921 $1,097 $1,125 $1,108

Colchester, 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 Colchester, 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)
Colchester $1,632 $1,378
Winooski $1,696 $1,433
Burlington $977 $826
South Hero $1,579 $1,334
Milton $1,402 $1,184
Essex Junction $1,881 $1,589
Essex $1,100 $929
South Burlington $1,320 $1,115

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

Teenagers in Colchester, 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 $3,637
20 Years $1,440
30 Years $1,109
40 Years $1,067
50 Years $988
60 Years $1,002
70 Years $1,167

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

Car owners in Colchester, 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 $1,928 $314
3 Vehicles $2,892 $471
4 Vehicles $3,856 $628

Savings on 2 Vehicles bundle:$314

Savings on 3 Vehicles bundle:$471

Savings on 4 Vehicles bundle:$628

Colchester, 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 Colchester, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Colchester $1,121 $2,317
Winooski $1,097 $2,267
Burlington $921 $1,903
South Hero $1,166 $2,409
Milton $1,108 $2,290
Essex Junction $1,125 $2,325
Essex $1,131 $2,337
South Burlington $1,129 $2,333

Colchester, 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) $962
Excellent (740-799) $1,098
Good (670-739) $1,168
Average (580-669) $1,524
Poor (300-579) $1,828

Colchester, 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
Michael Coburn Allstate 1134 S Brownell Rd, Williston, 5495 (802) 658-7800
Renee Cross Allstate 1174 North Ave, Burlington, 5408 (802) 862-2322
Chris Kasper State Farm 159 Pearl St Ste 3, Essex Jct, 05452-3038 802-872-8300
Essex Agency Inc Liberty Mutual Independent 2 Railroad St , Essex Junction, 5452 None
Winooski Insurance Agency Travelers 476 MAIN ST, WINOOSKI, 5404 802-655-9000
Jack Lindley Iii State Farm 431 Pine St Ste 102, Burlington, 05401-4726 802-658-2034
Smith Bell & Thompson Inc Travelers 40 MAIN ST STE 500, BURLINGTON, 5401 802-658-4600

Colchester, 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 +$49 $1,170
Driver's Failure In Showing Documents +$109 $1,230
Driving With An Expired Registration +$115 $1,236
Driving At A Considerably Slow Pace +$243 $1,364
Using A Cellphone While Driving +$257 $1,378
Running A Red Light +$261 $1,382
Speeding +$275 $1,396
Driving A Vehicle Without The Required Permission +$349 $1,470
Driving With An Expired/Suspended License +$756 $1,877

Colchester, 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 $1,076
Active Disabling Device $1,076
Tracking Device $1,054
Passive Disabling Device $1,043

Latest Auto Insurance Reviews in Colchester, VT | Back to Top

Overall I'm ok with the service that I have received from the company. I have no real complaints beyond the pricing, but I believe this could be justified in all insurance companies.
State Farm
I feel that my premium, even as a driver in my 20s, is a bit too high. The coverage is slightly better than other insurance companies but at times it the high rates seriously make me consider switching.
what I like is that with Allstate I'm getting a premium policy with a great company for pennies on the dollar they are a phenomenal deal and I'm super happy