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

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

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

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

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

Troy Irasburg Newport Westfield Newport Center North Troy
Average Insurance Rates $1,057 $1,070 $1,054 $1,091 $1,048 $1,041

Troy, 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 Troy, 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)
Troy $1,712 $1,446
Newport Center $1,495 $1,262
North Troy $1,578 $1,333
Westfield $1,429 $1,207
Jay $2,311 $1,952
Coventry $1,230 $1,039
Newport $1,051 $887
Irasburg $1,102 $931

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

Teenagers in Troy, 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 $3,430
20 Years $1,358
30 Years $1,046
40 Years $1,006
50 Years $932
60 Years $945
70 Years $1,100

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

Car owners in Troy, 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 $1,860 $254
3 Vehicles $2,790 $381
4 Vehicles $3,721 $507

Savings on 2 Vehicles bundle:$254

Savings on 3 Vehicles bundle:$381

Savings on 4 Vehicles bundle:$507

Troy, 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 Troy, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Troy $1,057 $2,184
Newport Center $1,048 $2,166
North Troy $1,041 $2,151
Westfield $1,091 $2,255
Jay $1,104 $2,281
Coventry $1,081 $2,234
Newport $1,054 $2,178
Irasburg $1,070 $2,211

Troy, 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) $907
Excellent (740-799) $1,035
Good (670-739) $1,101
Average (580-669) $1,437
Poor (300-579) $1,724

Troy, 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
Royer-Camp Ins Inc Travelers 573 E MAIN ST, NEWPORT, 5855 802-334-6727
Poulos Ins Agency Allstate 408 Western Ave., Newport, 5855 (802) 334-3003
Nfp Property & Casualty Services Liberty Mutual Independent 408 WESTERN AVE, NEWPORT, 5855 (802) 334-3003
Kinney Ins Agy Allstate 302 Route 2 PO Box 187, South Hero, 5486 (802) 372-8804
Winooski Insurance Agency Travelers 476 Main St, Winooski, 5404 None
Mullen Insurance Agency Inc Nationwide 140 S Main St STE 2, Saint Albans, 05478-1892 (802) 527-0121
Kinney Pike Insurance None Po Box 150 , Swanton, 5488 None

Troy, 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 $1,104
Driver's Failure In Showing Documents +$103 $1,160
Driving With An Expired Registration +$109 $1,166
Driving At A Considerably Slow Pace +$229 $1,286
Using A Cellphone While Driving +$242 $1,299
Running A Red Light +$246 $1,303
Speeding +$259 $1,316
Driving A Vehicle Without The Required Permission +$329 $1,386
Driving With An Expired/Suspended License +$712 $1,769

Troy, 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 $1,015
Active Disabling Device $1,015
Tracking Device $994
Passive Disabling Device $983