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

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

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

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

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

Thetford Fairlee Lyme Norwich Strafford Hanover
Average Insurance Rates $1,120 $1,100 $1,533 $1,216 $1,130 $1,596

Thetford, 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 Thetford, 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)
Thetford $1,721 $1,454
Norwich $1,609 $1,359
Strafford $961 $812
West Fairlee $1,136 $960
Fairlee $1,365 $1,153
Lyme $1,579 $1,334
Hanover $1,644 $1,389
Vershire $1,250 $1,056

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

Teenagers in Thetford, 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 $3,634
20 Years $1,439
30 Years $1,108
40 Years $1,066
50 Years $988
60 Years $1,001
70 Years $1,166

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

Car owners in Thetford, 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 $1,971 $269
3 Vehicles $2,957 $403
4 Vehicles $3,942 $538

Savings on 2 Vehicles bundle:$269

Savings on 3 Vehicles bundle:$403

Savings on 4 Vehicles bundle:$538

Thetford, 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 Thetford, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Thetford $1,120 $2,314
Norwich $1,216 $2,513
Strafford $1,130 $2,335
West Fairlee $1,075 $2,221
Fairlee $1,100 $2,273
Lyme $1,533 $2,709
Hanover $1,596 $2,820
Vershire $1,073 $2,217

Thetford, 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) $961
Excellent (740-799) $1,097
Good (670-739) $1,167
Average (580-669) $1,523
Poor (300-579) $1,827

Thetford, 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 $1,169
Driver's Failure In Showing Documents +$109 $1,229
Driving With An Expired Registration +$115 $1,235
Driving At A Considerably Slow Pace +$243 $1,363
Using A Cellphone While Driving +$256 $1,376
Running A Red Light +$261 $1,381
Speeding +$274 $1,394
Driving A Vehicle Without The Required Permission +$348 $1,468
Driving With An Expired/Suspended License +$755 $1,875

Thetford, 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 $1,075
Active Disabling Device $1,075
Tracking Device $1,053
Passive Disabling Device $1,042