Cheap Vermont Auto Insurance Quotes
If you are looking for cheap Vermont auto insurance and you are in a group of drivers, which the insurance industry considers to be a high risk, you may want to read this article for information on how to proceed in finding better rates.
First, we’ll explain the particular groups that insurers consider to be a higher risk for them, then we will give you some information on the types and amounts of insurance that are required in Vermont, 
finally we will give some tips on how to reduce your risk in the eyes of the insurance companies, and find more affordable rates.
Here are the two groups of drivers that the auto insurers consider riskier to insure:
The Bad Driving Record Group
This group of drivers has traffic tickets, accidents or both. This group is probably the most frightening to insurers. Too many tickets indicate that a driver uses poor judgment and eventually is going to have an at-fault accident. A pattern of accidents indicates that a driver is apt to have more. Another high risk driver that would fit here is a driver that has been convicted of a DUI/DWI.
The Inexperienced/Youthful Driver Group
Statistically, drivers under 25 and especially teenage male drivers pose an increased risk of having an accident. Youthful drivers are apt to take more of a chance when driving. Inexperienced drivers can be of any age, it’s just that they haven’t gained enough experience yet. A combination could be an inexperienced teenage driver; this is a double “whammy” in the eyes of auto insurers.
The two groups mentioned above have the most difficulty getting cheap auto insurance in Vermont. Some may even be refused coverage entirely. You do not want to be refused coverage for any reason.
There are other groups of drivers that some insurance companies consider riskier. The good point is that not all insurers classify every group as “high risk”. For instance, some companies put drivers with poor credit scores into a high risk category, and others don’t consider credit score at all.
In the state of VT, you are required to purchase certain types of coverage and there are certain minimum limits for cheap auto insurance quotes. Vermont is a Tort state. It requires Liability coverage, and does not require Personal Injury Protection as no-fault states do. In Tort states the at-fault driver and his/her insurance company pays for injuries. The liability limits required here are: $25,000 for injury caused to each person, $50,000 for injury caused per accident, and $10,000 for property damage caused. Also required in VT is Uninsured/Underinsured Motorist bodily injury with minimum limits of $50,000/$100,000 and Uninsured property damage with a limit of $10,000.
Here are some ways that you can reduce your auto insurance rates just by doing the following: take a defensive driver’s education class. You can do this online and not have to leave your home. Some insurance companies give as much as a 10% discount – this is really helpful if you are in the higher risk drivers mentioned above. The second way to achieve lower auto insurance rates in a high risk group is to find insurers who specialize in these groups and buy your auto policy from them. Also, you may wish to read the website of the Vermont Insurance Division.
