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

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

Zimlon, through its research, found that car owners in Derby, 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, 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, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Derby Charleston Derby Center Newport Derby Line Holland
Average Insurance Rates $1,074 $1,077 $1,063 $1,054 $1,062 $1,061

Derby, 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, 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 $1,079 $912
Derby Center $1,826 $1,543
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, VT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Derby, 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 $3,485
20 Years $1,380
30 Years $1,063
40 Years $1,023
50 Years $947
60 Years $960
70 Years $1,118

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

Car owners in Derby, 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 $1,869 $279
3 Vehicles $2,803 $419
4 Vehicles $3,738 $558

Savings on 2 Vehicles bundle:$279

Savings on 3 Vehicles bundle:$419

Savings on 4 Vehicles bundle:$558


Derby, 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, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Derby $1,074 $2,219
Derby Center $1,063 $2,197
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, 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) $921
Excellent (740-799) $1,052
Good (670-739) $1,119
Average (580-669) $1,460
Poor (300-579) $1,752

Derby, 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
North Country Insurance Group Llc Travelers 346 MAIN ST, DERBY, 5829 802-766-2294
Royer-Camp Ins Inc Travelers 573 E MAIN ST, NEWPORT, 5855 802-334-6727
Julie Collins State Farm 84 Fairfield St, Saint Albans, 05478-1728 802-524-0200
Associated Insurance Agencies, Inc. None 374 Main Street, Newport, 5855 None
Hickok & Boardman Inc Liberty Mutual Independent 20 SWANTON RD, SAINT ALBANS, 5478 (802) 527-0171

Derby, 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 $1,121
Driver's Failure In Showing Documents +$104 $1,178
Driving With An Expired Registration +$111 $1,185
Driving At A Considerably Slow Pace +$233 $1,307
Using A Cellphone While Driving +$246 $1,320
Running A Red Light +$250 $1,324
Speeding +$263 $1,337
Driving A Vehicle Without The Required Permission +$334 $1,408
Driving With An Expired/Suspended License +$724 $1,798

Derby, 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 $1,031
Active Disabling Device $1,031
Tracking Device $1,010
Passive Disabling Device $999