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

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

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

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

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

Reading Woodstock Cavendish Windsor County Ludlow Proctorsville
Average Insurance Rates $1,134 $1,168 $1,076 $914 $1,104 $1,066

Reading, 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 Reading, 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)
Reading $1,377 $1,163
West Windsor $1,732 $1,463
Plymouth $1,948 $1,645
Windsor County $1,118 $944
Cavendish $1,086 $917
Woodstock $1,774 $1,498
Proctorsville $1,470 $1,241
Ludlow $1,833 $1,549

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

Teenagers in Reading, 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 $3,680
20 Years $1,457
30 Years $1,122
40 Years $1,080
50 Years $1,000
60 Years $1,014
70 Years $1,180

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

Car owners in Reading, 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 $1,973 $295
3 Vehicles $2,960 $442
4 Vehicles $3,946 $590

Savings on 2 Vehicles bundle:$295

Savings on 3 Vehicles bundle:$442

Savings on 4 Vehicles bundle:$590

Reading, 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 Reading, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Reading $1,134 $2,343
West Windsor $1,131 $2,337
Plymouth $1,146 $2,368
Windsor County $914 $1,889
Cavendish $1,076 $2,224
Woodstock $1,168 $2,414
Proctorsville $1,066 $2,203
Ludlow $1,104 $2,281

Reading, 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) $973
Excellent (740-799) $1,111
Good (670-739) $1,182
Average (580-669) $1,542
Poor (300-579) $1,850

Reading, 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 Ins Agency Inc Travelers 150 MAIN ST, LUDLOW, 5149 802-228-8823
Woodstock Insurance Inc. Liberty Mutual Independent 540 West Rd, Woodstock, 5091 None
Wyman Agency None 7409 Route 131 Perkinsville, Weathersfield, 5151 None
Frazer Agency Inc Nationwide 841 US Route 5 North, Windsor, 05089-9693 (802) 674-5506
The Richards Group Liberty Mutual Independent 213 MAIN ST, LUDLOW, 5149 (802) 228-8882

Reading, 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 +$50 $1,184
Driver's Failure In Showing Documents +$110 $1,244
Driving With An Expired Registration +$117 $1,251
Driving At A Considerably Slow Pace +$246 $1,380
Using A Cellphone While Driving +$260 $1,394
Running A Red Light +$264 $1,398
Speeding +$278 $1,412
Driving A Vehicle Without The Required Permission +$353 $1,487
Driving With An Expired/Suspended License +$764 $1,898

Reading, 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 $1,089
Active Disabling Device $1,089
Tracking Device $1,066
Passive Disabling Device $1,055