Top Ways to Save on Orleans Auto Insurance

No one likes having to buy auto insurance, especially knowing they are paying too much. Consumers have many to pick from, and though it is a good thing to have a selection, it can be more difficult to compare rates.

It's important to compare rates periodically since insurance rates are constantly changing. Even if you got the best rates six months ago you can probably find a lower rate today. Don't believe everything you read about auto insurance online but I'm going to show you some great ways to find affordable auto insurance.

Orleans auto insurance comparison

Orleans Auto Insurance Comparisons

There are several ways to shop for auto insurance, but some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance agencies in Orleans, or you could save time and use the internet to get prices fast.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit their information once, and each participating company then gives them pricing. This prevents consumers from doing quote requests to each individual auto insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the providers to receive prices from. So if you prefer to choose from a list of companies to compare rates, we put together a list of auto insurance companies in Vermont. Click here for list of insurance companies in Vermont.

Whichever method you choose, be sure to compare identical coverage limits and deductibles on every quote you get. If you compare different liability limits it will be impossible to determine which rate is truly the best in Orleans.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but there could be available discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be requested specifically before you get the savings. If you're not getting every credit you qualify for, you're paying more than you need to.

  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Early Signing - Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
  • Accident Forgiveness - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of companies offering auto insurance discounts in Vermont, click here.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different and your policy should reflect that. For example, these questions may help highlight whether or not you would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?

If you can't answer these questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Additional Vermont consumer information

Additional information can be read on the website for the Vermont Department of Financial Regulation located here. Vermont drivers can read enforcement actions against agents and companies, file complaints about a company, find out industry alerts, and file complaints about an insurance agent or broker.

Additional helpful sites include Auto Insurance 101 and this page where you can research Orleans insurance agents.