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

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

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

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

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

Ripton Addison County Salisbury East Middlebury Middlebury Hancock
Average Insurance Rates $1,104 $1,028 $1,113 $1,084 $1,112 $1,061

Ripton, 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 Ripton, 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)
Ripton $1,174 $992
East Middlebury $1,557 $1,315
Middlebury $1,491 $1,260
Hancock $2,037 $1,721
Salisbury $1,188 $1,003
Lincoln $1,640 $1,385
Granville $1,331 $1,124
Addison County $1,360 $1,148

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

Teenagers in Ripton, 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

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

Car owners in Ripton, 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 $1,921 $287
3 Vehicles $2,881 $431
4 Vehicles $3,842 $574

Savings on 2 Vehicles bundle:$287

Savings on 3 Vehicles bundle:$431

Savings on 4 Vehicles bundle:$574

Ripton, 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 Ripton, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Ripton $1,104 $2,281
East Middlebury $1,084 $2,240
Middlebury $1,112 $2,298
Hancock $1,061 $2,193
Salisbury $1,113 $2,300
Lincoln $1,117 $2,308
Granville $1,075 $2,221
Addison County $1,028 $2,124

Ripton, 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

Ripton, 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
Jim Soriano State Farm 211 Maple St Ste 27C, Middlebury, 05753-1147 802-388-3276
Mackey Insurance None Marble Works Office Bldg Marble Works Office Bldg, Middlebury, 5753 None
Footes Ins Agy Inc Allstate Green St PO Box 39, Vergennes, 5491 (802) 877-3351
Holden Financial Services Inc Allstate 94 Court St, Middlebury, 5753 (802) 388-4992

Ripton, 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

Ripton, 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