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Looking for cheap auto insurance in South Burlington, VT? With AutoInsuranceEZ.com, you will discover the most affordable insurance rates for your area. To get free car insurance quotes available from the very best providers today, provide your zip code within the quote box in this posting.

South Burlington is one of those cozy American cities which has a lot to offer both visitors and residents alike. The retail industry is big in South Burlington, as evidenced by the state’s largest mall, the University Mall, being located there. The highly diversified economy of the city also includes the regional airline CommutAir, the Magic Hat Brewing Company, and a thriving real estate industry.

  • Fun fact: were you aware that the headquarters of Ben and Jerry’s Homemade Inc. is also located in South Burlington? Read up on South Burlington by visiting here.

Auto Insurance Coverage Requirements in Vermont

Driving legally in South Burlington requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 50,000/100,000 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 50 deductible

 

Drivers should keep in mind that Vermont’s state minimums are a very limited form of coverage. Your company will only pay out claims if the accident is deemed your fault (or something you are liable for). Anything else – like severe weather or theft – will not be covered by your policy. To verify you’re still receiving the cheapest rate, compare cheap Vermont auto insurance quotes online.

The statewide average for Vermont motorists can be as high as $96 per month. However, under certain circumstances, South Burlington drivers could get a rate as low as $28/month* under the right factors. It all depends on things such as your driving record, your credit score, and what type of vehicle you want to insure.

Average Monthly Auto Insurance Premiums Legend: South Burlington Allstate Concord Nationwide MetLife State Farm 5 10 15 20 25 30 $20 $28 $28 $29 $32

 

If all you want is a low monthly rate, it seems as though Allstate, Concord, or Nationwide are your best bets. However, a low monthly premium could cost you more money in the long run if your provider doesn’t offer good customer service, a simple claims process, or raises your rates at a later date.

Those who supply auto insurance policies consider numerous variables when establishing insurance rates, among them marital status, where you live, occupation, years of driving experience, and theft protection devices. On top of that, premiums might differ from between companies. To find out if you are still paying the best premium, check cheap South Burlington auto insurance estimates on the internet.

Major Car Insurance Factors in South Burlington

There are numerous ways in which your car insurance rate can be estimated. But not all of it is out of your control; there are steps you can take to be able to impact what discounts you are eligible to obtain. The following are some of these factors in greater detail:

  • Your Zip Code

Where you choose to park your car every night will undoubtedly have a serious effect on your auto insurance rate. Usually, auto insurance cost less in rural locations simply because a lesser number of vehicles signifies a reduced likelihood that you might get in an accident with some other automobile. The population of South Burlington is 18,612 and also the general household earnings are $65,737.

Auto Insurance by Zip Code Legend: Burlington Colchester Essex Rutland South Burlington Allstate Concord Nationwide MetLife State Farm 5 10 15 20 25 30 $20 $20 $25 $21 $20 $28 $28 $28 $27 $28 $28 $28 $28 $28 $28 $30 $28 $29 $26 $29 $32 $32 $32 $30 $32

 

  • Automotive Accidents

High accident rates in your zip code could equal higher premiums each month. Compared with the national average, South Burlington’s fatal accident statistics are very low, as you can tell from looking at the chart below. This means that you may already be receiving lower rates for your zip code.

Fatal Accidents in Burlington, Vermont Legend: Burlington Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 1 2 1 2

 

  • Auto Thefts in South Burlington

Sometimes in smaller cities or outlying towns, auto theft can nevertheless be a dilemma. In order to make it a lesser dilemma for you personally, consider installing a passive anti-theft system within your own motor vehicle. Your car insurance company could compensate you with cheaper prices! Within South Burlington, there were 3 auto thefts in 2012. Auto theft rates are so low in South Burlington that you could save money by not prioritizing Comprehensive coverage as much.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate Concord Nationwide MetLife State Farm 10 20 30 40 50 60 70 80 90 $20 $77 $28 $63 $28 $60 $29 $96 $32 $73

 

  • Your Credit Score

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate Concord Nationwide MetLife State Farm 10 20 30 40 50 60 70 $20 $30 $25 $43 $26 $34 $24 $51 $23 $73

 

  • Your Age

Young drivers are statistically more likely to cause car accidents than any other type of driver. Because of this, they are charged much more for their monthly premiums than older drivers. However, you should look into discounts for teens, such as Good Student discounts, or discounts for taking Drivers Ed.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allstate Concord Nationwide MetLife State Farm 15 30 45 60 75 90 105 120 135 $20 $51 $28 $90 $28 Do Not Sell $29 $142 $32 $125

 

  • Your Driving Record

The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Concord Nationwide MetLife State Farm 10 20 30 40 50 60 70 80 90 100 $20 $23 $27 $29 $28 $28 $105 $28 $28 $64 $74 $101 $29 $32 $45 $37 $32 $35 $35 $38

 

  • Your Vehicle

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don’t cost as much to insure.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Concord Nationwide MetLife State Farm 10 20 30 40 50 60 70 80 90 100 110 120 $20 $124 $28 $88 $28 $70 $29 $113 $32 $100

 

Minor Car Insurance Factors in South Burlington

Don’t forget about these other factors, either:

  • Your Marital Status

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

  • Your Gender

Gender has almost no substantial influence on your monthly rate. Many companies don’t charge different premiums based on gender at all. And those for those that still do, the rate rarely fluctuates beyond a 2-3% price difference.

  • Your Driving Distance to Work

Residents of South Burlington luckily do not have to face excessively long commute times while travelling to and from work each day. On average, it takes about 12 to 17 minutes to drive each way, and the vast majority of citizens (78%) will do so using their own truck or car by themselves. Between 4-16% carpool.

Driving fewer miles each year, or reserving your vehicle for trips to and from work only, won’t save you much on your monthly rates. The only thing which will influence your price is whether or not you designate your vehicle as “for business” use. Business vehicles are typically charged 10-12% more each month.

  • Your Coverage and Deductibles

Getting all the coverage you need can be expensive. That’s why some companies will charge you less per month if you agree to raise your deductible. However, be sure to save a little money away in case of an emergency if you choose to go this route.

  • Education in South Burlington, VT

South Burlington is a fairly well-educated city, seeing as how more than a quarter of its population has earned a bachelor’s degree (26%). Of course, this entitles them to more than just improved job opportunities – it will also save them a bundle on future car insurance rates! Additionally, 19% of South Burlington residents have earned a high school diploma.

Due to its close proximity to Burlington, many residents may choose to pursue their higher education by commuting to the many large schools in that area. The University of Vermont is located nearby to the west, and Champlain College is also a short drive away.

You mustn’t allow a poor auto insurance agency persuade you into buying a car insurance policy which is not right for you. Of course, the amount of information required in order to estimate your own personal risk profile could be overpowering, however comparison websites like this might help make things easier. Simply just provide a couple of specifics below, and just we can do the rest.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Vermont Department of Financial Regulation – Insurance Division

Vermont Department of Financial Regulation

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Compare rates today and save hundreds on your upcoming insurance bill.

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