Affordable Car Insurance Auto Insurance in Vermont - Compare Rates




If you cause an accident and don't have insurance to pay for it, the court may even sell your assets to recover the damages. So it is absolutely necessary that you buy auto insurance.


The Green Mountain State requires its drivers to purchase the following mandatory insurance coverage:

Liability Coverage

The coverage includes Bodily injury liability which pays for any injuries that you cause to others. It will also pay for any legal expenses that you may incur.

The minimum that you need to purchase is $ 25,000 for bodily injury or death per one person and $ 50,000 for injury or death in one accident.

The other coverage is the Property damage liability. It will pay for damages that you cause to property of others which may include a car, a mail box, a tree etc.

UNINSURED/UNDERINSURED MOTORIST (UM/UIM) provides coverage for bodily injury to you as well as your passengers if you are involved in an accident caused by a driver who is uninsured or underinsured or even if you are involved in a hit and run accident.

The minimum amount of UM/UIM coverage is:
>> $50,000 for bodily injury or death per person
>> $100,000 for bodily injury or death per accident

You can also take coverage for property damage caused by uninsured/underinsured. The minimum limit in this case is $ 10,000.

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OPTIONAL COVERAGE

Collision coverage provides coverage for physical damage to your car. It will pay for any damage that your car incurs on account of collision.

Other than collision (also known as comprehensive) coverage will cover damage resulting from something other than colliding with another vehicle.

E.g. Glass breakage, theft, fire, vandalism, hail, water or flood, Contact with bird or animal

Medical payments coverage insures you and your passengers for medical expenses resulting from an auto accident. The benefit of this coverage is that it will cover you, regardless of whether the driver or injured person was at fault.

When the Vermont Insurance Division published its Consumer's Guide for Automobile Insurance, it talked about a survey that said auto insurance rates charged by different companies, for almost the same coverage, could vary by up to 50%. So it is important that you shop around. You can use internet for the same purpose.

Don't forget to ask for discounts. Insurance companies attract customers by offering many discounts like:
>> Good student discount
>> Good driver discount
>> Discount for installing safety devices in your car
>> Discount to senior driver

These discounts will reduce your insurance rates by a substantial amount.

The state of Vermont offers you a variety of options to choose from. So decide what's best for you and buy your insurance.

Remember that it is always better to Prepare and prevent, rather than repair and repent.

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