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

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

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

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

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

Lincoln Bristol Ripton Starksboro Granville Addison County
Average Insurance Rates $1,117 $1,099 $1,104 $1,099 $1,075 $1,028

Lincoln, 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 Lincoln, 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)
Lincoln $1,640 $1,385
Bristol $1,733 $1,464
Warren $1,617 $1,366
Buels $1,060 $895
Ripton $1,174 $992
Granville $1,331 $1,124
Addison County $1,360 $1,148
Starksboro $1,764 $1,490

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

Teenagers in Lincoln, 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 $3,624
20 Years $1,435
30 Years $1,105
40 Years $1,064
50 Years $985
60 Years $999
70 Years $1,162

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

Car owners in Lincoln, 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 $1,899 $335
3 Vehicles $2,848 $503
4 Vehicles $3,798 $670

Savings on 2 Vehicles bundle:$335

Savings on 3 Vehicles bundle:$503

Savings on 4 Vehicles bundle:$670

Lincoln, 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 Lincoln, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Lincoln $1,117 $2,308
Bristol $1,099 $2,271
Warren $1,151 $2,379
Buels $1,040 $2,149
Ripton $1,104 $2,281
Granville $1,075 $2,221
Addison County $1,028 $2,124
Starksboro $1,099 $2,271

Lincoln, 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) $958
Excellent (740-799) $1,094
Good (670-739) $1,164
Average (580-669) $1,519
Poor (300-579) $1,822

Lincoln, 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
Berrian Insurance Group None Po Box 647, Waitsfield, 5673 None
Carter Insurance Agency Llc None 2 South Street , Bristol, 5443 None
Insuranceworks None 2562 Route 22A, Bridport, 5734 None
Anthony Murphy State Farm 100 Dorset St Ste 17, S Burlington, 05403-6241 802-657-3500
Crowley Insurance Agency Liberty Mutual Independent 100 NORTH WILLARD ST, BURLINGTON, 5401 802-863-3416

Lincoln, 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 $1,166
Driver's Failure In Showing Documents +$108 $1,225
Driving With An Expired Registration +$115 $1,232
Driving At A Considerably Slow Pace +$242 $1,359
Using A Cellphone While Driving +$256 $1,373
Running A Red Light +$260 $1,377
Speeding +$274 $1,391
Driving A Vehicle Without The Required Permission +$347 $1,464
Driving With An Expired/Suspended License +$753 $1,870

Lincoln, 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 $1,072
Active Disabling Device $1,072
Tracking Device $1,050
Passive Disabling Device $1,039