Tightwads Guide to Saving on Rutland Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You're in the same situation as most other car owners in Vermont.

With consumers having so many companies and agents to choose from, it is hard for the average consumer to pick the lowest cost car insurance company.

It's important to take a look at other company's rates before your policy renews because prices are constantly changing. If you had the best rates a few years ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, so I'm going to show you some great ways to find affordable auto insurance.

Choosing the best insurance company for you in Rutland is easy if you know what you're doing. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. But Vermont consumers do need to know the way companies market on the web.

How to Compare Rutland Auto Insurance Rates

Most companies give coverage prices on the web. This process is pretty painless as you just type in into the quote form. When the form is submitted, the system will obtain information on your driving record and credit history and provides a quote based on these factors. This helps simplify price comparisons, but the work required to visit several different sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to get a lower rate.

A quicker way to lower your auto insurance bill uses one form that gets price quotes from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes quoting online much easier. After sending the form, your coverage is rated and you are able to buy any or none of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process can be completed in less than 10 minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you copy the coverage information identical to your current policy. This ensures you will receive comparison quotes for similar insurance coverage.

More discounts equal less premium

Companies offering auto insurance don't list all their discounts very well, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance.

Senior Citizens - Mature drivers can possibly qualify for better auto insurance rates.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Sign Online - A handful of insurance companies may give you up to $50 for buying a policy and signing up online.
Drive Less and Save - Keeping the miles down could qualify for better rates on cars that stay parked.
Save with a New Car - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
Driver's Ed - Have your child complete a driver education course in high school.
Service Members Pay Less - Having a family member in the military can result in better rates.

Consumers should know that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way.

To see a list of companies with the best auto insurance discounts in Vermont, click this link.

Learn more today

More detailed Vermont auto insurance information can be read at the Vermont Department of Financial Regulation website. Visitors are able to learn about insurance regulations, find a variety of consumer forms, download brochures, and read consumer alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Rutland.