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

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

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

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

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

Hardwick Greensboro Stannard Wolcott Greensboro Bend Elmore
Average Insurance Rates $1,058 $1,118 $1,053 $1,089 $1,054 $1,132

Hardwick, 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 Hardwick, 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)
Hardwick $1,267 $1,070
Greensboro Bend $2,058 $1,738
Woodbury $1,359 $1,148
Wolcott $1,581 $1,335
Walden $1,561 $1,319
Greensboro $1,852 $1,564
Elmore $1,374 $1,161
Stannard $2,169 $1,832

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

Teenagers in Hardwick, 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 $3,433
20 Years $1,359
30 Years $1,047
40 Years $1,007
50 Years $933
60 Years $946
70 Years $1,101

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

Car owners in Hardwick, 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 $1,862 $254
3 Vehicles $2,793 $381
4 Vehicles $3,724 $508

Savings on 2 Vehicles bundle:$254

Savings on 3 Vehicles bundle:$381

Savings on 4 Vehicles bundle:$508

Hardwick, 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 Hardwick, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Hardwick $1,058 $2,186
Greensboro Bend $1,054 $2,178
Woodbury $1,096 $2,265
Wolcott $1,089 $2,250
Walden $1,069 $2,209
Greensboro $1,118 $2,310
Elmore $1,132 $2,339
Stannard $1,053 $2,176

Hardwick, 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) $908
Excellent (740-799) $1,036
Good (670-739) $1,102
Average (580-669) $1,438
Poor (300-579) $1,726

Hardwick, 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
Calderwood Insurance Agency None 132 S Main St , Hardwick, 5843 None
Hickok & Boardman Inc Liberty Mutual Independent 618 S MAIN ST, STOWE, 5672 802-253-9707
Insurance Agency Of New England None Po Box 176 , East Montpelier, 5651 None
Barsalow Insurance Agency Travelers 546 RTE 7 S, MILTON, 5468 802-893-2660
The Citro Agency Allstate 20 Kimball Ave Ste 307, South Burlington, 5403 (802) 863-3434
Stowe Insurance Agency, Inc. None 105 Depot St, Stowe, 5672 None
Essex Agency Inc Liberty Mutual Independent 2 Railroad St , Essex Junction, 5452 None
Kinney Pike Insurance Liberty Mutual Independent 62 KNIGHT LN, WILLISTON, 5495 (802) 878-1600

Hardwick, 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 $1,105
Driver's Failure In Showing Documents +$103 $1,161
Driving With An Expired Registration +$109 $1,167
Driving At A Considerably Slow Pace +$230 $1,288
Using A Cellphone While Driving +$242 $1,300
Running A Red Light +$247 $1,305
Speeding +$259 $1,317
Driving A Vehicle Without The Required Permission +$329 $1,387
Driving With An Expired/Suspended License +$713 $1,771

Hardwick, 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 $1,016
Active Disabling Device $1,016
Tracking Device $995
Passive Disabling Device $984