Vernon, VT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Vernon, 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.
Average Cost of Car Insurance in Vernon, VT
The average cost of car insurance in Vernon, VT, is $1,104. Anyone who operates a vehicle on the road must have car insurance. As a result, car owners need to insure their vehicles. But with so many insurance companies on the market, car owners could find it challenging to pick the one that best suits their requirements and budget. You should compare several market pricing and terms to secure the best deal. The auto insurance price in Vernon, Vermont, depends on several variables. Even though many factors affect Vernon, Vermont, auto insurance rates, some of them might not be related to your driving record or location. Age, gender, and marital status of drivers are a few factors that affect vehicle insurance premiums in Vernon, Vermont.
Choose a High Deductible
If you're looking for affordable car insurance in Vernon, VT, one of the most important factors to consider is your deductible. The higher your deductible, the lower your premium will be. However, you'll need to make sure you can afford to pay the deductible if you have an accident. For instance, car owners in Vernon, Vermont, who chose a high deductible of $1,000 pay a premium of $1,496, whereas those who chose a low deductible of $500 pay $1,771.
Consider the Driver's Age
Drivers under the age of 20 are subject to higher rates than those over the age of 20. The reason for this is that younger drivers are considered to be riskier than older drivers. Insurance companies account for this by charging younger drivers higher rates. In Vernon, Vermont, experienced drivers aged 21 to 30 pay $1,419 for auto insurance. On the other hand, teenage drivers pay $3,582 for car insurance. Teenagers in Vernon, Vermont, pay $2,163 more for auto insurance than adults.
Avoid Driving Under the Influence (DUI)
Drivers with a DUI on their record can expect to pay significantly higher rates than those without a DUI. In some cases, rates can be nearly double for drivers with a DUI conviction. Car owners convicted of DUI can add extra burden on their pockets as the auto insurance rates increase. Therefore, it is important for drivers inVernon, VT, to avoid driving under the influence. For instance, the typical car insurance price in Vernon, Vermont, is $1,104. Insurance after a DUI costs $2,281. The typical vehicle insurance premiums in Vernon, VT, increase by $1,177 if the car owner is found guilty of DUI.
Factors that can influence the cost of car insurance in Vernon, 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.
- Vernon, VT Auto Insurance Rates
- Vernon, VT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Vernon, VT
- Multi Vehicle Insurance Savings in Vernon, VT
- How Credit Score Affects Car Insurance Rates in Vernon, VT
- How DUI Affects Auto Insurance Premiums in Vernon, VT
- How Driving Violations Affect Auto Insurance Rates in Vernon, VT
- Vernon, VT Auto Insurance Discounts on Anti Theft Feature
Vernon, VT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Vernon, VT with that of other cities in and around Vernon.
| Vernon | Hinsdale | Guilford | Leyden | Bernardston | West Brattleboro | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,104 | $1,554 | $1,113 | $2,079 | $2,179 | $1,080 |
Vernon, 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 Vernon, 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) |
|---|---|---|
| Vernon | $1,771 | $1,496 |
| Hinsdale | $1,601 | $1,352 |
| Guilford | $2,255 | $1,904 |
| Bernardston | $2,303 | $1,945 |
| Winchester | $1,666 | $1,407 |
| Northfield | $1,711 | $1,445 |
| Leyden | $1,862 | $1,573 |
| West Brattleboro | $2,195 | $1,854 |
Vernon, VT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Vernon, 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 |
Vernon, VT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Vernon, 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 | $1,943 | $265 |
| 3 Vehicles | $2,915 | $397 |
| 4 Vehicles | $3,886 | $530 |
Savings on 2 Vehicles bundle:$265
Savings on 3 Vehicles bundle:$397
Savings on 4 Vehicles bundle:$530
Vernon, 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 Vernon, VT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Vernon | $1,104 | $2,281 |
| Hinsdale | $1,554 | $2,746 |
| Guilford | $1,113 | $2,300 |
| Bernardston | $2,179 | $3,945 |
| Winchester | $1,617 | $2,857 |
| Northfield | $2,068 | $3,744 |
| Leyden | $2,079 | $3,764 |
| West Brattleboro | $1,080 | $2,232 |
Vernon, 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 |
Vernon, 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 |
Vernon, 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 |