Duxbury, VT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Duxbury, 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.
Average Cost of Car Insurance in Duxbury, VT
As a driver in Duxbury, Vermont, it is essential to have auto insurance to protect yourself in case of an accident. Suppose you are involved in an accident and do not have auto insurance. In that case, you may be held responsible for damages to the other driver's vehicle and any injuries they may have sustained. Even if the accident is not your fault, you could face a lawsuit and a significant financial burden if you do not have auto insurance.
The average cost of car insurance in Duxbury, VT, is $1,119. Duxbury, VT drivers should avoid picking an insurance company at random regarding auto insurance. There are a few things that you should keep in mind when shopping for auto insurance in Duxbury, VT. They must look for cheap auto insurance in Duxbury, compare the prices and special offers, and decide if the policy satisfies their needs. Finally, make sure that the company offers the coverage you need at a price you can afford. Zimlon has explored certain factors responsible for changing car insurance rates in Duxbury, VT.
1. Credit History
Your credit history is one of the factors that insurers use to set rates. Those with poor credit may be considered higher-risk customers and therefore be charged higher rates. In Duxbury, Vermont, for instance, car owners with exceptional credit scores have to pay $960, while those with poor or low credit must pay $1,825. Therefore, car owners must have a respectable credit score to qualify for savings on Duxbury, Vermont auto insurance premiums. If you're concerned about how your credit history may affect your auto insurance rates, shopping around is best.
2. Age of the Driver
Auto insurance rates can be determined based on the driver's age in Duxbury, VT. If the driver is under 25, they may be required to pay a higher rate than someone over the age of 25. This is because younger drivers are considered to be more of a risk on the road. They are more likely to be involved in an accident, and they are also more likely to get speeding tickets. Insurance companies will charge a higher rate to cover these risks. For example, young drivers in Duxbury, Vermont, spend $3,631 while older drivers aged 30 pay $1,066 for auto insurance.
3. Driving Habits
Auto insurance rates in Duxbury, Vermont, can vary based on a person's driving history because it is a good indicator of how likely the person is to have an accident. Those with a clean driving record will usually pay less than those with accidents or speeding tickets on their record. Car owners with a history of traffic violations or driving-related offenses, including DUIs, irresponsible driving, and speeding tickets, will pay more on car insurance in Duxbury, VT. For instance, in Duxbury, Vermont, drivers who run a red light or have expired registration must pay an additional +$261 and +$754 to the total cost of auto insurance.
Factors that can influence the cost of car insurance in Duxbury, 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.
- Duxbury, VT Auto Insurance Rates
- Duxbury, VT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Duxbury, VT
- Multi Vehicle Insurance Savings in Duxbury, VT
- How Credit Score Affects Car Insurance Rates in Duxbury, VT
- How DUI Affects Auto Insurance Premiums in Duxbury, VT
- Top Auto Insurance Agents Near Duxbury, VT
- How Driving Violations Affect Auto Insurance Rates in Duxbury, VT
- Duxbury, VT Auto Insurance Discounts on Anti Theft Feature
Duxbury, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Duxbury, VT with that of other cities in and around Duxbury.
| Duxbury | Moretown | Waitsfield | Fayston | Huntington | Waterbury | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,119 | $1,116 | $1,164 | $1,153 | $1,115 | $1,123 |
Duxbury, 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 Duxbury, 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) |
|---|---|---|
| Duxbury | $1,499 | $1,266 |
| Fayston | $1,906 | $1,610 |
| Waterbury | $1,635 | $1,381 |
| Huntington | $1,716 | $1,449 |
| Moretown | $1,468 | $1,240 |
| Bolton | $2,255 | $1,904 |
| Waitsfield | $2,206 | $1,864 |
| Buels | $1,060 | $895 |
Duxbury, VT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Duxbury, 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 | $3,631 |
| 20 Years | $1,438 |
| 30 Years | $1,107 |
| 40 Years | $1,066 |
| 50 Years | $987 |
| 60 Years | $1,000 |
| 70 Years | $1,165 |
Duxbury, VT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Duxbury, 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 | $1,902 | $336 |
| 3 Vehicles | $2,853 | $504 |
| 4 Vehicles | $3,805 | $671 |
Savings on 2 Vehicles bundle:$336
Savings on 3 Vehicles bundle:$504
Savings on 4 Vehicles bundle:$671
Duxbury, 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 Duxbury, VT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Duxbury | $1,119 | $2,312 |
| Fayston | $1,153 | $2,383 |
| Waterbury | $1,123 | $2,321 |
| Huntington | $1,115 | $2,304 |
| Moretown | $1,116 | $2,306 |
| Bolton | $1,087 | $2,246 |
| Waitsfield | $1,164 | $2,405 |
| Buels | $1,040 | $2,149 |
Duxbury, 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) | $960 |
| Excellent (740-799) | $1,096 |
| Good (670-739) | $1,166 |
| Average (580-669) | $1,521 |
| Poor (300-579) | $1,825 |
Duxbury, 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 |
|---|---|---|---|
| Donna Booher | Allstate | 4001 Williston Rd, South Burlington, 5403 | (802) 862-8620 |
| Mark D. Rosalbo | Liberty Mutual | 28 Walnut Street Ste 110, Williston, 5495 | 1-802-872-7778 |
| Berrian Insurance Group | None | Po Box 647, Waitsfield, 5673 | None |
| Paige & Campbell Inc | Liberty Mutual Independent | 5197 Main St Unit 3, Waitsfield, 5673 | None |
| Stowe Insurance Agency | None | Po Box 479 , Waterbury, 5676 | None |
Duxbury, 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 | $1,168 |
| Driver's Failure In Showing Documents | +$109 | $1,228 |
| Driving With An Expired Registration | +$115 | $1,234 |
| Driving At A Considerably Slow Pace | +$243 | $1,362 |
| Using A Cellphone While Driving | +$256 | $1,375 |
| Running A Red Light | +$261 | $1,380 |
| Speeding | +$274 | $1,393 |
| Driving A Vehicle Without The Required Permission | +$348 | $1,467 |
| Driving With An Expired/Suspended License | +$754 | $1,873 |
Duxbury, 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 | $1,074 |
| Active Disabling Device | $1,074 |
| Tracking Device | $1,052 |
| Passive Disabling Device | $1,041 |