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

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

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

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

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

Waitsfield Buels Roxbury Fayston Warren Northfield
Average Insurance Rates $1,164 $1,040 $1,073 $1,153 $1,151 $1,086

Waitsfield, 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 Waitsfield, 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)
Waitsfield $2,206 $1,864
Fayston $1,906 $1,610
Northfield $957 $808
Warren $1,617 $1,366
Moretown $1,468 $1,240
Buels $1,060 $895
Duxbury $1,499 $1,266
Roxbury $1,452 $1,227

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

Teenagers in Waitsfield, 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 $3,777
20 Years $1,496
30 Years $1,152
40 Years $1,108
50 Years $1,026
60 Years $1,041
70 Years $1,211

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

Car owners in Waitsfield, 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 $2,002 $326
3 Vehicles $3,003 $489
4 Vehicles $4,004 $652

Savings on 2 Vehicles bundle:$326

Savings on 3 Vehicles bundle:$489

Savings on 4 Vehicles bundle:$652

Waitsfield, 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 Waitsfield, VT.

Location Average Insurance Cost Post DUI Insurance Rate
Waitsfield $1,164 $2,405
Fayston $1,153 $2,383
Northfield $1,086 $2,244
Warren $1,151 $2,379
Moretown $1,116 $2,306
Buels $1,040 $2,149
Duxbury $1,119 $2,312
Roxbury $1,073 $2,217

Waitsfield, 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) $999
Excellent (740-799) $1,140
Good (670-739) $1,213
Average (580-669) $1,582
Poor (300-579) $1,899

Waitsfield, 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 +$51 $1,215
Driver's Failure In Showing Documents +$113 $1,277
Driving With An Expired Registration +$120 $1,284
Driving At A Considerably Slow Pace +$253 $1,417
Using A Cellphone While Driving +$267 $1,431
Running A Red Light +$271 $1,435
Speeding +$285 $1,449
Driving A Vehicle Without The Required Permission +$362 $1,526
Driving With An Expired/Suspended License +$785 $1,949

Waitsfield, 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 $1,117
Active Disabling Device $1,117
Tracking Device $1,094
Passive Disabling Device $1,083