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

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

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

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

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

Topsham Plainfield Corinth East Barre Ryegate Groton
Average Insurance Rates $1,066 $1,096 $1,070 $1,079 $1,069 $1,057

Topsham, 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 Topsham, 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)
Topsham $2,868 $2,422
Orange $1,121 $947
Groton $1,453 $1,228
Newbury $1,791 $1,513
Corinth $1,130 $954
Plainfield $1,359 $1,148
Ryegate $1,474 $1,245
East Barre $1,199 $1,013

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

Teenagers in Topsham, 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 $3,459
20 Years $1,370
30 Years $1,055
40 Years $1,015
50 Years $940
60 Years $953
70 Years $1,109

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

Car owners in Topsham, 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 $1,855 $277
3 Vehicles $2,782 $416
4 Vehicles $3,710 $554

Savings on 2 Vehicles bundle:$277

Savings on 3 Vehicles bundle:$416

Savings on 4 Vehicles bundle:$554

Topsham, 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 Topsham, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Topsham $1,066 $2,203
Orange $1,076 $2,224
Groton $1,057 $2,184
Newbury $1,071 $2,213
Corinth $1,070 $2,211
Plainfield $1,096 $2,265
Ryegate $1,069 $2,209
East Barre $1,079 $2,230

Topsham, 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) $915
Excellent (740-799) $1,044
Good (670-739) $1,111
Average (580-669) $1,449
Poor (300-579) $1,739

Topsham, 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
Jaimes L. Fewer Nationwide 3 Maple Ave, Barre, 05641-3420 (802) 476-5050
Denis Ricker & Brown Allstate 2 Pioneer St, Montpelier, 5602 (802) 229-0563
Berg Carmolli & Kent Inc Liberty Mutual Independent 83 Washington St, BARRE, 5641 (802) 479-1046
M. K. Richardson Agency, Inc. Allstate 346 Vt Route 110, Chelsea, 5038 None
Nwj/The Sawyer Agcy None Green , Danville, 5828 None
Nfp None 78 Vt Route 15 W , Morrisville, 5661 None
Nfp Property & Casualty Services Liberty Mutual Independent 752 GRANGER RD, BARRE, 5641 (802) 229-5727
Hull Maynard Hersey Ins Inc Travelers 410 WOODSTOCK ROAD EAST, WOODSTOCK, 5091 802-457-4143

Topsham, 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 $1,113
Driver's Failure In Showing Documents +$103 $1,169
Driving With An Expired Registration +$110 $1,176
Driving At A Considerably Slow Pace +$231 $1,297
Using A Cellphone While Driving +$244 $1,310
Running A Red Light +$248 $1,314
Speeding +$261 $1,327
Driving A Vehicle Without The Required Permission +$332 $1,398
Driving With An Expired/Suspended License +$718 $1,784

Topsham, 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 $1,023
Active Disabling Device $1,023
Tracking Device $1,002
Passive Disabling Device $991