Getting Cheap Westminster Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are many Westminster consumers feeling the pinch from expensive auto insurance. You have so many to pick from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to price shop coverage every six months since insurance rates are constantly changing. Even if you got the best deal last year you can probably find a lower rate today. Starting now, block out anything you think you know about auto insurance because it's time to teach you the only way to lower your annual insurance bill.

Buying affordable coverage in Westminster is simple if you know the tricks. If you have insurance now or need a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Vermont vehicle owners just need to know the most effective way to get comparison quotes online.

Vermont auto insurance quotes

How to Compare Auto Insurance Quotes in Westminster, Vermont

Cutting your auto insurance rates can be surprisingly simple. Just invest a little time comparing price quotes provided by online insurance companies. This can be done in several different ways.

  • The recommended way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quotation requests for each company. Filling out one form compares rates from auto insurance companies with the best prices.
  • A less efficient way to compare rate quotes is going to the website for each individual company and fill out their own quote form. For example, we'll assume you want to compare rates from , and . You would have to visit each site and enter your information, which is why most consumers use the first method. To view a list of companies in Westminster, click here.
  • The least efficient method to compare rates is driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the personal advice of a licensed agent. You can, however, get the lowest quotes online and still use a local agent and we'll touch on that later.

Which method you use is up to you, but ensure you are comparing identical coverage limits and deductibles for each comparison quote. If you have different liability limits it will be impossible to determine the lowest rate in Westminster.

Take advantage of discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited. If you're not getting every credit possible, you're paying more than you need to.

  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Multi-car Discount - Insuring more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • New Vehicle Savings - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Drivers Education - Have your child complete a driver education course in school.
  • Military Discounts - Having a deployed family member could mean lower rates.
  • Discount for Good Grades - A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Memberships - Affiliation with a qualifying organization could qualify you for a break on auto insurance.
  • Early Signing - A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.

Consumers should know that most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, companies don't profit that way. But all discounts will bring down your overall premium however.

To see a list of companies offering auto insurance discounts in Vermont, follow this link.

Much more information about auto insurance in Vermont is available on the website for the Vermont Department of Financial Regulation through this link. Vermont drivers can file complaints about an insurance agent or broker, report car insurance fraud, find out industry alerts, and download brochures.

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