Getting the Cheapest South Royalton Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse. Companies like GEICO and Progressive all promote huge savings with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates every six months since insurance rates are constantly changing. If you had the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out the fastest and easiest way to reduce your cost while improving coverage.

Don't pay full price with these discounts

Car insurance companies don't always list every available discount in a way that's easy to find, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If you aren't receiving every discount possible, you are throwing money away.

  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Clubs and Organizations - Affiliation with a civic or occupational organization may earn a discount on your policy.
  • Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount with certain companies.
  • Life Insurance Discount - Some companies give better rates if you take out auto and life insurance together.

Keep in mind that some credits don't apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn't work that way.

Vermont auto insurance

The auto insurance bait and switch

Vermont drivers get pounded daily by advertisements that promise big savings by State Farm and Allstate. All the ads have a common claim that you can save if you move to their company.

How can each company say the same thing?

All the different companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk might be profiled as a mature driver, has no driving citations, and drives newer vehicles. A propective insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will be charged a more expensive rate and this can result in business not being written. The ad wording is "customers that switch" not "everyone that quotes" save that much. That's the way insurance companies can claim big savings. That is why you should get as many comparisons as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Vermont auto insurance

Additional detailed information can be found at the Vermont Department of Financial Regulation website. Vermont drivers can file complaints about a company, find out which companies have the most complaints, find a variety of consumer forms, and read industry bulletins.

And the best car insurance company is...

Throughout this article, we presented a lot of ways to reduce auto insurance prices online. The key concept to understand is the more you quote, the better your comparison will be. You may even find the best price on auto insurance is with some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as .

Affordable auto insurance is definitely available on the web and also from your neighborhood South Royalton agents, and you need to price shop both to have the best rate selection. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.