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

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

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

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Ludlow, 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.

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

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

Ludlow Baltimore Proctorsville Andover Mount Holly Weston
Average Insurance Rates $1,104 $1,080 $1,066 $1,130 $1,096 $1,175

Ludlow, 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 Ludlow, 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)
Ludlow $1,833 $1,549
Proctorsville $1,470 $1,241
Cavendish $1,086 $917
Mount Holly $1,595 $1,348
Weston $1,355 $1,145
Andover $1,560 $1,318
Plymouth $1,948 $1,645
Baltimore $1,337 $1,129

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

Teenagers in Ludlow, 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 $3,582
20 Years $1,419
30 Years $1,093
40 Years $1,051
50 Years $973
60 Years $987
70 Years $1,149

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

Car owners in Ludlow, 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 $309
3 Vehicles $2,848 $464
4 Vehicles $3,798 $618

Savings on 2 Vehicles bundle:$309

Savings on 3 Vehicles bundle:$464

Savings on 4 Vehicles bundle:$618

Ludlow, 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 Ludlow, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Ludlow $1,104 $2,281
Proctorsville $1,066 $2,203
Cavendish $1,076 $2,224
Mount Holly $1,096 $2,265
Weston $1,175 $2,428
Andover $1,130 $2,335
Plymouth $1,146 $2,368
Baltimore $1,080 $2,232

Ludlow, 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) $947
Excellent (740-799) $1,081
Good (670-739) $1,150
Average (580-669) $1,501
Poor (300-579) $1,801

Ludlow, 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
Ludlow Insurance Agency Allstate 150 Main St, Ludlow, 5149 (802) 228-8823
Woodstock Insurance Inc. Liberty Mutual Independent 540 West Rd, Woodstock, 5091 None
Hull Maynard Hersey Ins Inc Travelers 105 Center St, Rutland, 5701 None
Holden Financial Services Inc Liberty Mutual Independent 92 CENTER ST, RUTLAND, 5701 802-388-4992

Ludlow, 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 $1,153
Driver's Failure In Showing Documents +$107 $1,211
Driving With An Expired Registration +$114 $1,218
Driving At A Considerably Slow Pace +$240 $1,344
Using A Cellphone While Driving +$253 $1,357
Running A Red Light +$257 $1,361
Speeding +$270 $1,374
Driving A Vehicle Without The Required Permission +$343 $1,447
Driving With An Expired/Suspended License +$744 $1,848

Ludlow, 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 $1,060
Active Disabling Device $1,060
Tracking Device $1,038
Passive Disabling Device $1,027