Car Insurance in Chelsea, VT - 5 Tricks to Save Money

Finding the most affordable Chelsea car insurance over the internet can seem to be rather challenging for people who are new to online price comaprisons. When there are so many insurers available, how can consumers even start to compare them all to find the lowest rates?

If you have a current car insurance policy or need new coverage, you will benefit by learning to find better prices and still get good coverage. Pricing affordable protection in Chelsea is quite easy. Vermont drivers only need an understanding of the tricks to compare company rates over the internet.

compare Chelsea car insurance rates

Be sure to get all your discounts

Companies that sell car insurance don't necessarily list every discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using. If they aren't giving you every credit you deserve, you are paying more than you should be.

  • Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Distant Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Life Insurance - Larger companies have lower rates if you buy auto and life insurance together.
  • Driver Safety - Taking part in a driver safety course could cut 5% off your bill if your company offers it.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

It's important to understand that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it doesn't quite work that way.

To choose insurance companies who offer car insurance discounts in Chelsea, click here to view.

Is there truth in advertising?

Consumers can't ignore all the ads for car insurance savings by State Farm, Allstate and GEICO. They all make an identical promise of big savings after switching to their company.

How do they all make the same claim? This is how they do it.

All the different companies have a preferred profile for the driver that makes them money. For example, a driver they prefer could be over the age of 50, insures multiple vehicles, and has great credit. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher prices and ends up with business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently advertise the savings. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.

For example, these questions may help you determine whether or not you may require specific advice.

  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form. It is quick, free and may give you better protection.

More sites with car insurance information

More tips and info about car insurance can be found at the Vermont Department of Financial Regulation website. Consumers can view a list of available companies, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Chelsea car insurance comparison

Best coverage at the best price

People change insurance companies for any number of reasons including unfair underwriting practices, not issuing a premium refund, delays in paying claims or even questionable increases in premium. Regardless of your reason, switching car insurance companies is easier than you think.

As you prepare to switch companies, you should never buy poor coverage just to save money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.

Low-cost car insurance can be purchased from both online companies and also from your neighborhood Chelsea agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.