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

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

Zimlon, through its research, found that car owners in Guilford, 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 Guilford, 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.


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

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

Guilford Leyden Vernon Bernardston Hinsdale Brattleboro
Average Insurance Rates $1,113 $2,079 $1,104 $2,179 $1,554 $1,095

Guilford, 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 Guilford, 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)
Guilford $2,255 $1,904
Vernon $1,771 $1,496
Leyden $1,862 $1,573
West Brattleboro $2,195 $1,854
Brattleboro $2,985 $2,521
Hinsdale $1,601 $1,352
Bernardston $2,303 $1,945
Halifax $1,683 $1,422

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

Teenagers in Guilford, 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 $3,611
20 Years $1,430
30 Years $1,101
40 Years $1,060
50 Years $981
60 Years $995
70 Years $1,158

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

Car owners in Guilford, 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 $1,914 $312
3 Vehicles $2,872 $467
4 Vehicles $3,829 $623

Savings on 2 Vehicles bundle:$312

Savings on 3 Vehicles bundle:$467

Savings on 4 Vehicles bundle:$623


Guilford, 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 Guilford, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Guilford $1,113 $2,300
Vernon $1,104 $2,281
Leyden $2,079 $3,764
West Brattleboro $1,080 $2,232
Brattleboro $1,095 $2,263
Hinsdale $1,554 $2,746
Bernardston $2,179 $3,945
Halifax $1,086 $2,244

Guilford, 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) $955
Excellent (740-799) $1,090
Good (670-739) $1,160
Average (580-669) $1,513
Poor (300-579) $1,815

Guilford, 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 $1,162
Driver's Failure In Showing Documents +$108 $1,221
Driving With An Expired Registration +$115 $1,228
Driving At A Considerably Slow Pace +$242 $1,355
Using A Cellphone While Driving +$255 $1,368
Running A Red Light +$259 $1,372
Speeding +$273 $1,386
Driving A Vehicle Without The Required Permission +$346 $1,459
Driving With An Expired/Suspended License +$750 $1,863

Guilford, 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 $1,068
Active Disabling Device $1,068
Tracking Device $1,046
Passive Disabling Device $1,035