Vermont Car Insurance

Like many of its northern cousins, Vermont’s road conditions can deteriorate very quickly during the winter months, making driving hazardous. The last thing Vermont drivers need to worry about is whether or not they have adequate car insurance in case they are involved in an accident. CarInsuranceQuotes.com is dedicated to helping Vermont residents find the lowest possible rates on car insurance for their vehicles from highly respected companies so they can feel safer when traveling; no matter what time of year it is.

Vermont Car Insurance Minimums

Because of the hazards that all Vermont motorists must deal with on a day to day basis, the state has set minimum insurance requirements that all residents must carry for their vehicles. Currently, the minimum liability requirements in the state of Vermont are 25/50/10 for bodily injury and property damage for each vehicle they own.

•    Bodily Injury Liability- Bodily injury liability covers medical expenses for the driver and passengers of the other vehicle if the insured party is responsible for the accident. Under the minimum coverage, the insurance company will pay a maximum of $25,000 for a single person and a maximum of $50,000 for all persons injured during the accident.
•    Property damage Liability- Covers for physical damages to the other driver’s vehicle as well as public property such as traffic lights and private property such as a person’s home. Under the minimum coverage, the insurance company will pay a maximum of $10,000 for damages incurred.

With the increasing costs of medical procedures and property repairs, the minimum liability coverage may pt be sufficient to cover all damages. Therefore, the state of Vermont strongly recommends that all motorists purchase liability coverage greater than that which is required as well as Comprehensive and Collision coverage in the event that the insured driver is found to be at-fault or their vehicle is damaged by an act of nature such as a thunderstorm or wildlife.

Vermont also requires that its drivers obtain Uninsured/Underinsured Motorist protection. UM protection helps pay for medical expenses and damages to the insured’s vehicle if the at-fault driver fails to have sufficient coverage or the vehicle is damaged by a hit and run.

Though the average insurance premiums for the state of Vermont held fairly steady between 2006 and 2007; down only one dollar from $1554 to $1553, they still remain well below the national average of $1896.  The premium cost for each driver can vary widely depending on factors such as a person’s vehicle type, driving history and credit. Fortunately, CarInsuranceQuotes.com can help every motorist get the lowest possible car insurance quotes. CarInsuranceQuotes.com searches online car insurance companies to find our customers in Vermont and elsewhere multiple low cost quotes so they can choose the price they like from an insurance company they can trust. And getting quotes has never been easier! After entering their Zip code, CarInsuranceQuotes.com’s customers will be asked a few general questions about their driving history. CarInsuranceQuotes.com will then find low cost Vermont car insurance quotes in a matter of moments. The entire process takes less than five minutes; and best of all, it’s free!

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