Derby Center Auto Insurance Rates, Quotes, Agents & Reviews in VT

Derby Center, VT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Derby Center, 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 Derby Center, 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.


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

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

Derby Center Derby Line Newport Newport Center Charleston Coventry
Average Insurance Rates $1,063 $1,062 $1,054 $1,048 $1,077 $1,081

Derby Center, 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 Derby Center, 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)
Derby Center $1,826 $1,543
Derby $1,079 $912
Derby Line $1,462 $1,235
Newport $1,051 $887
Coventry $1,230 $1,039
Holland $1,718 $1,451
Charleston $1,252 $1,058
Newport Center $1,495 $1,262

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

Teenagers in Derby Center, 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 $3,449
20 Years $1,366
30 Years $1,052
40 Years $1,012
50 Years $937
60 Years $950
70 Years $1,106

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

Car owners in Derby Center, 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 $1,807 $319
3 Vehicles $2,711 $478
4 Vehicles $3,614 $638

Savings on 2 Vehicles bundle:$319

Savings on 3 Vehicles bundle:$478

Savings on 4 Vehicles bundle:$638


Derby Center, 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 Derby Center, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Derby Center $1,063 $2,197
Derby $1,074 $2,219
Derby Line $1,062 $2,195
Newport $1,054 $2,178
Coventry $1,081 $2,234
Holland $1,061 $2,193
Charleston $1,077 $2,226
Newport Center $1,048 $2,166

Derby Center, 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) $912
Excellent (740-799) $1,041
Good (670-739) $1,108
Average (580-669) $1,445
Poor (300-579) $1,734

Derby Center, 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
Taylor - Moore Agency Travelers Po Box 10, Derby, 5829 None
Royer-Camp Insurance Inc Travelers 573 E MAIN ST, NEWPORT, 5855 802-334-6727
Mark Mcbride State Farm 25 Kingsbury Cir, Derby, 05829-9624 802-766-5154
Nfp None Po Box 466, Newport, 5855 None
Nfp None Po Box 466, Newport, 5855 None
Nfp Property & Casualty Services Liberty Mutual Independent 408 WESTERN AVE, NEWPORT, 5855 (802) 334-3003
Jared Jabaut Agency Nationwide 268 N Main St, Saint Albans, 5478 (802) 524-9100

Derby Center, 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 $1,110
Driver's Failure In Showing Documents +$103 $1,166
Driving With An Expired Registration +$109 $1,172
Driving At A Considerably Slow Pace +$231 $1,294
Using A Cellphone While Driving +$243 $1,306
Running A Red Light +$248 $1,311
Speeding +$260 $1,323
Driving A Vehicle Without The Required Permission +$331 $1,394
Driving With An Expired/Suspended License +$716 $1,779

Derby Center, 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 $1,020
Active Disabling Device $1,020
Tracking Device $999
Passive Disabling Device $989