7 Tricks Guaranteed to Save on Car Insurance Costs in Burlington

Scraping up a payment for overpriced car insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Doing a price comparison is a great way to help make ends meet. Because there are so many different company options, it can be hard to pick the lowest cost car insurance company.

The purpose of this post is to help you learn how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you will be able to save some money using this information. Vermont vehicle owners just need to know the most efficient way to compare rates online.

compare Burlington car insurance rates

Free Quotes for Car Insurance in Burlington, Vermont

Cutting your Burlington car insurance rates can be quick and easy. Consumers just need to spend a few minutes comparing rates online from several insurance companies. This can be accomplished in several different ways.

  • The recommended way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form keeps you from doing repetitive form entry to each individual car insurance company. One form gets you coverage quotes direct from many companies.
  • A more time consuming way to shop for car insurance online consists of going to the website of each company and complete a new quote form. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Burlington, click here.
  • The most time-consuming way of comparing rate quotes is to waste gas driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you require the personal advice only provided by licensed Burlington agents. It is possible to get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

However you get your quotes, make darn sure you compare apples-to-apples coverages on every quote. If you have different limits and deductibles on each one it will be impossible to make a fair comparison in Burlington.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be manually applied before they will apply. If you don't get every credit you deserve, you're paying more than you need to.

  • Pay Upfront and Save - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Senior Citizens - Mature drivers can possibly qualify for better car insurance rates.
  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Life Insurance Discount - Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Distant Student - Youth drivers who live away from home without a vehicle on campus can receive lower rates.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

To see a list of insurance companies with the best car insurance discounts in Vermont, click here.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's needs are different and your policy should reflect that. For example, these questions may help you determine whether your personal situation might need an agent's assistance.

  • What can I do if my company won't pay a claim?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What are Vermont no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

More sites with car insurance information

Much more information about car insurance in Vermont is available on the website for the Vermont Department of Financial Regulation located here. Visitors are able to view a list of available companies, learn about insurance regulations, download brochures, and find out industry alerts.

Additional helpful sites include this page for car insurance prices in Vermont and this list of insurance agents in Burlington, VT.