Tightwads Guide to Saving on Waterbury Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your personal savings and force you to make sacrifices. Comparison shopping is free and is an excellent way to make sure you're not throwing money away. With so many online and local companies to choose from, it can be hard to pick the lowest price car insurance company.

It's important to compare prices yearly due to the fact that insurance rates are constantly changing. If you had the best deal a few years ago you can probably find a lower rate today. Starting now, ignore everything you know about car insurance because I'm going to teach you the only way to find lower rates on car insurance.

Choosing the best insurance company for you in Waterbury is not that difficult. If you currently have a car insurance policy, you should be able to save some money using these techniques. Vermont consumers only need to know the proper way to find the lowest price online.

How to Get Cheap Car Insurance in Waterbury, VT

There are multiple methods to compare car insurance quotes, but there is one way that is more efficient than others. You can spend countless hours driving to insurance companies in Waterbury, or you can utilize online quoting for quick rates.

The majority of car insurance companies belong to a marketplace that enables customers to enter their policy data once, and at least one company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of system is you cannot specify the providers you want pricing from. If you wish to select from a list of companies to compare rates, we put together a list of low cost car insurance companies in Vermont. View list of Vermont insurance companies.

It's up to you how you get prices quotes, just make sure you use apples-to-apples deductibles and coverage limits on every quote. If the quotes have different values for each quote it will be impossible to make a fair comparison in Waterbury.

Don't pay full price with these discounts

Companies don't always publicize all their discounts very well, so here is a list both the well known and the more hidden ways to save on car insurance. If you don't get every credit you deserve, you're paying more than you need to.

  • Accident Waiver - Some insurance companies permit an accident before raising your premiums as long as you don't have any claims for a set time period.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Lower Rates for Military - Having a family member in the military can result in better rates.
  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Senior Citizens - Mature drivers can possibly qualify for a small decrease in premiums.
  • More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you won't be that lucky.

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

Your personal situation dictates your coverage

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Vermont?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If it's difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from 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 provide invaluable advice.

Learn more about car insurance in Vermont

Even more information is available at the Vermont Department of Financial Regulation website. Visitors are able to get help finding coverage, file complaints about an insurance agent or broker, find disaster information, and file complaints about a company.

Additional helpful sites include this site for Vermont car insurance information and see this list of insurance agents in Waterbury.