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

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

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

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Derby Line, 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 Line, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Derby Line Derby Coventry Charleston Newport Center Newport
Average Insurance Rates $1,062 $1,074 $1,081 $1,077 $1,048 $1,054

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

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

Teenagers in Derby Line, 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 $3,446
20 Years $1,365
30 Years $1,051
40 Years $1,011
50 Years $936
60 Years $949
70 Years $1,105

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

Car owners in Derby Line, 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 $1,827 $297
3 Vehicles $2,740 $446
4 Vehicles $3,653 $595

Savings on 2 Vehicles bundle:$297

Savings on 3 Vehicles bundle:$446

Savings on 4 Vehicles bundle:$595


Derby Line, 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 Line, VT.

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

Derby Line, 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) $911
Excellent (740-799) $1,040
Good (670-739) $1,107
Average (580-669) $1,444
Poor (300-579) $1,732

Derby Line, 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
Peter Campbell Agency Nationwide 5498 U S Rte 5, Newport, 05855-9483 (802) 334-6454
North Country Insurance Group Llc Travelers 346 MAIN ST, DERBY, 5829 802-766-2294
Conley Country Real Estate And Insurance None 179 Main Street, Derby, 5829 None
Julie Collins State Farm 84 Fairfield St, Saint Albans, 05478-1728 802-524-0200
Nfp Property & Casualty Services Liberty Mutual Independent 408 WESTERN AVE, NEWPORT, 5855 (802) 334-3003
Morse Insurance Allstate Po Box 557, Hardwick, 5843 (802) 472-5721

Derby Line, 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 $1,109
Driver's Failure In Showing Documents +$103 $1,165
Driving With An Expired Registration +$109 $1,171
Driving At A Considerably Slow Pace +$230 $1,292
Using A Cellphone While Driving +$243 $1,305
Running A Red Light +$247 $1,309
Speeding +$260 $1,322
Driving A Vehicle Without The Required Permission +$330 $1,392
Driving With An Expired/Suspended License +$716 $1,778

Derby Line, 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 $998
Passive Disabling Device $988