Searching for car insurance in the green mountain state is overwhelming. At BuyCarInsurance.com we understand how tiring and stressful the car insurance market can be. We have put together this guide that lists the information you need to know about buying car insurance in Vermont so that you can quickly and easily get the plan that fits your personal needs - at the lowest rate.
Do you already have all the information you need about Vermont car insurance? Do you just want a quick quote? Enter your zip code above and get started.
In Vermont having car insurance is required to drive. The minimum required coverages will protect you if you are in an at-fault accident so you are not sued or if you are in an accident with a driver who does not have insurance. Here is a list of the minimum requirements and their limits:
|Bodily Injury Liability Coverage||$25,000 per person and $50,000 per accident.|
|Property Damage Liability Coverage||$10,000 per accident.|
|Uninsured/Underinsured Motorist Bodily Injury||$50,000 per person and $100,000 per accident.|
|Uninsured Motorist Property Damage||$10,000 ($150 deductible) per accident.|
Do I Need More Than The Minimum Coverage?
The minimum required car insurance in Vermont is barely enough to cover a fender bender, $10,000 in property damage is a low policy limit. Unless you want to be stuck paying out-of-pocket for damages the exceed your policy limits we suggest increasing your policy limits at least. There are additional coverages that would be worth looking into so you are covered in a variety of situations.
Additional Coverages Available in Vermont
We suggest adding additional coverage to your car insurance policy. By doing this you can help ensure you are covered in many different instances. We compiled a list of additional coverages here:
Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for.
Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen.
Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident.
Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances.
Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.
Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.
Teen Drivers in Vermont
At the age of 15 teens can start driving with a permit. When this milestone is reached it is time to get car insurance. It is important to remember a teen driver is just as responsible for being insured as an adult. There are a few different ways you can insure a teen driver, either way, it will be expensive. If you add your teen to your existing policy that is the cheapest route. There are discount options for teen drivers in Vermont to help cut costs. Ask your insurance company what teen driver discounts they have available.
Multiple Drivers in Vermont
Having multiple drivers under the same roof in Vermont needs to be disclosed to your car insurance agent. This is to ensure maximum coverage and alleviate the possibility of any back premiums or loss of coverage. If you want to exclude a driver in your house you can, just make sure to tell your car insurance agent. Once a driver is excluded you should never let an excluded driver use your car because they will not be covered. Any damages that occur will be an out-of-pocket expense.
Penalties for Driving Without Car Insurance
It is required to have car insurance to legally drive in Vermont. There are penalties in place if you are not in compliance with this law. Vermont does not follow an escalated penalty policy, but that doesn’t mean you cannot be labeled as a habitual offender. Here is a list of the penalties if you are caught without car insurance in Vermont:
If you do not have your insurance verification with you it is a $100 fee.
You will pay a civil penalty of no more than $500.
Your license will be suspended until you can provide proof of car insurance.
You will have to file an SR-22 certificate for three years.
In order to get your license back, you will have to pay a $71 reinstatement fee.
Car Insurance Discounts in Vermont
There are many discount options offered across all companies for the state of Vermont so there is a good chance there is a discount out there for you. Ask your car insurance company for a list of available discounts, this will help you decide which discounts you qualify for. Here is a list of common discounts in Vermont:
Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations.
Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance.
Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.
Get a Quote for Car Insurance in Vermont Now
BuyCarInsurance.com will help you get car insurance coverage that fits your budget. We will provide you with an affordable quote from the top car insurance companies in Vermont. Just leave the searching and analyzing to us. Follow these three easy steps below to get a hassle-free quote in minutes.