Using the web to shop for Brattleboro car insurance can be complicated if you have never used online price comparisons. But relax because finding affordable coverage online is easier than you think.
Choosing the best insurance company for you in Brattleboro is not rocket science. Just about every vehicle owner who is required by state law to have car insurance will be able to cut their insurance bill. Although Vermont vehicle owners can benefit by having an understanding of how insurance companies sell insurance online because it can help you find the best coverage.
Decisions you make can impact your rates
Smart consumers have a good feel for the different types of things that go into determining car insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with lower car insurance prices.
- Liability coverage is cheap – Liability insurance provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
- Younger drivers pay higher rates – Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers have a tendency to get distracted easily when behind the wheel therefore car insurance rates are much higher.
- Where you reside plays a part – Residing in less populated areas can be a good thing when talking about car insurance. Drivers in populated areas tend to have much more traffic and longer commute times. Less people living in that area translates into fewer accidents and a lower car theft rate.
- Type of vehicle determines base rates – The type of car you are buying insurance for makes a big difference in the rate you pay. The lowest base rates are usually for economy passenger models, but there are many factors that impact the final cost.
- What are your deductibles? – Physical damage deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more expense you have to pay, the less your car insurance will be.
- Men are more aggressive – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women have accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as reckless driving.
- Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. Safer cars reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
- Do you have a high stress job? – Careers like real estate brokers, social workers and dentists are shown to have the highest average rates because of job stress and lengthy work days. Other professions such as actors, historians and the unemployed pay the least.
Pay less by taking advantage of discounts
Companies do not advertise every available discount in an easy-to-find place, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.
- Paperwork-free – Some insurance companies may give you up to $50 for buying your policy online.
- Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts up to age 25.
- Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
- Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
- Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
- Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% depending on your company.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.
For a list of insurance companies with discount car insurance rates in Vermont, click this link.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-7.jpg" alt="Brattleboro Vermont car insurance quote”/>
Can switching companies really save?
State Farm, Geico and Progressive consistently run ads on television and other media. All the companies have a common claim about savings if you change to them. How can each company make the same claim? It’s all in the numbers.
All companies have a certain “appetite” for the right customer that earns them a profit. For example, a driver they prefer might be over the age of 40, owns a home, and chooses high deductibles. Any driver who matches those parameters gets the lowest rates and therefore will save a lot of money.
Potential insureds who fall outside these standards will have to pay higher rates and ends up with business not being written. The ads say “people who switch” not “people who quote” save money. That’s why insurance companies can confidently state the savings. Because of the profiling, you need to get quotes from several different companies. You cannot predict which company will fit your personal profile best.
Your coverage should be tailored to you
When choosing coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.
For example, these questions might help in determining if your insurance needs may require specific advice.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I really need UM/UIM coverage?
- Do I benefit by insuring my home with the same company?
- Can I drive in Mexico and have coverage?
- What should my uninsured motorist coverage limits be in Vermont?
- Do I have coverage for damage caused while driving under the influence?
- How high should my medical payments coverage be?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
More sites with car insurance information
Additional detailed information can be read at the Vermont Department of Financial Regulation website. Vermont consumers can find out industry alerts, read consumer alerts, and get help finding coverage.
Shop smart and save
When shopping online for car insurance, never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate.
You just learned many ways to compare car insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even find the most savings is with a company that doesn’t do a lot of advertising.
Budget-conscious car insurance is available on the web in addition to many Brattleboro insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.