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

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

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

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

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

Middlebury East Middlebury New Haven Salisbury Cornwall Addison County
Average Insurance Rates $1,112 $1,084 $1,112 $1,113 $1,171 $1,028

Middlebury, 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 Middlebury, 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)
Middlebury $1,491 $1,260
East Middlebury $1,557 $1,315
Addison County $1,360 $1,148
Salisbury $1,188 $1,003
Cornwall $1,431 $1,208
Weybridge $1,740 $1,469
Ripton $1,174 $992
New Haven $1,781 $1,504

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

Teenagers in Middlebury, 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 $3,608
20 Years $1,429
30 Years $1,101
40 Years $1,059
50 Years $981
60 Years $994
70 Years $1,157

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

Car owners in Middlebury, 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 $1,913 $311
3 Vehicles $2,869 $467
4 Vehicles $3,825 $623

Savings on 2 Vehicles bundle:$311

Savings on 3 Vehicles bundle:$467

Savings on 4 Vehicles bundle:$623

Middlebury, 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 Middlebury, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Middlebury $1,112 $2,298
East Middlebury $1,084 $2,240
Addison County $1,028 $2,124
Salisbury $1,113 $2,300
Cornwall $1,171 $2,420
Weybridge $1,141 $2,358
Ripton $1,104 $2,281
New Haven $1,112 $2,298

Middlebury, 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) $954
Excellent (740-799) $1,089
Good (670-739) $1,159
Average (580-669) $1,512
Poor (300-579) $1,814

Middlebury, 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
Dakota Plains Agcy None 503 Main, Platte, 57369 None
Carter Insurance Agency Llc None 2 South Street , Bristol, 5443 None
Paige And Campbell Inc Liberty Mutual Independent 35 WEST ST, BRISTOL, 5443 (802) 453-6600
Laberge Insurance Agency None P.O. Box 628, Middlebury, 5753 None
Sudha Parikh State Farm 875 Roosevelt Hwy Ste 122, Colchester, 05446-4460 802-654-7161

Middlebury, 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 $1,161
Driver's Failure In Showing Documents +$108 $1,220
Driving With An Expired Registration +$115 $1,227
Driving At A Considerably Slow Pace +$241 $1,353
Using A Cellphone While Driving +$255 $1,367
Running A Red Light +$259 $1,371
Speeding +$272 $1,384
Driving A Vehicle Without The Required Permission +$346 $1,458
Driving With An Expired/Suspended License +$749 $1,861

Middlebury, 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 $1,045
Passive Disabling Device $1,034