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

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.

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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 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