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

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

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

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

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

Morgan Holland Island Pond Charleston Warner's Brighton
Average Insurance Rates $1,075 $1,061 $1,033 $1,077 $1,208 $1,058

Morgan, 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 Morgan, 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)
Morgan $1,107 $935
Warner's $1,244 $1,051
Warren's $1,103 $932
Charleston $1,252 $1,058
Island Pond $1,308 $1,105
Avery's $1,298 $1,096
Holland $1,718 $1,451
Brighton $1,714 $1,448

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

Teenagers in Morgan, 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 $3,488
20 Years $1,381
30 Years $1,064
40 Years $1,024
50 Years $948
60 Years $961
70 Years $1,119

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

Car owners in Morgan, 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 $1,871 $280
3 Vehicles $2,806 $419
4 Vehicles $3,741 $559

Savings on 2 Vehicles bundle:$280

Savings on 3 Vehicles bundle:$419

Savings on 4 Vehicles bundle:$559

Morgan, 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 Morgan, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Morgan $1,075 $2,221
Warner's $1,208 $2,496
Warren's $1,071 $2,213
Charleston $1,077 $2,226
Island Pond $1,033 $2,135
Avery's $1,260 $2,604
Holland $1,061 $2,193
Brighton $1,058 $2,186

Morgan, 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) $922
Excellent (740-799) $1,053
Good (670-739) $1,120
Average (580-669) $1,461
Poor (300-579) $1,753

Morgan, 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
Royer-Camp Insurance Inc Travelers 573 East Main St, Newport, 5855 None
Poulos Insurance Allstate 21 Water St, Orleans, 5860 (802) 754-6930
Conley Country Real Estate And Insurance None 179 Main Street, Derby, 5829 None
Nfp None P O Box 265, Orleans, 5860 None
Insurance Agency Of New England None Po Box 176 , East Montpelier, 5651 None

Morgan, 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 $1,122
Driver's Failure In Showing Documents +$104 $1,179
Driving With An Expired Registration +$111 $1,186
Driving At A Considerably Slow Pace +$233 $1,308
Using A Cellphone While Driving +$246 $1,321
Running A Red Light +$250 $1,325
Speeding +$263 $1,338
Driving A Vehicle Without The Required Permission +$334 $1,409
Driving With An Expired/Suspended License +$725 $1,800

Morgan, 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 $1,032
Active Disabling Device $1,032
Tracking Device $1,011
Passive Disabling Device $1,000