Tightwads Tips for Saving on Brattleboro Auto Insurance
Having to pay for overpriced auto insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to make sure you're not throwing money away. There are many to pick from, and even though it's nice to have a selection, it makes it harder to compare rates.
Pricing affordable coverage in Brattleboro is quite easy. If you have insurance now or need a new policy, you can follow these tips to get lower rates and possibly find even better coverage. Vermont drivers only need an understanding of the tricks to compare rates online.
How to Buy Brattleboro Auto Insurance Online
Cutting your auto insurance rates is actually quite simple. Consumers just need to spend a few minutes on the computer comparing rates online from several insurance companies. This can be done using a couple different methods.
- The recommended way to get quotes is a comparison rater form (click to open form in new window). This form keeps you from doing separate quote forms to each individual auto insurance company. One form compares rates from many national carriers.
- A less efficient way to shop for auto insurance online is going to the website of each company and complete a new quote form. For instance, we'll assume you want comparison quotes from , and . To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Brattleboro, click here.
- The hardest way to compare rates is to drive around to local insurance agencies. The internet has reduced the need for local agents unless you prefer the professional guidance only provided by licensed agents. Drivers can get the lowest quotes online but buy from a local insurance agent.
It's up to you how you get prices quotes, just make darn sure you compare identical coverage limits and deductibles on every quote. If you are comparing different liability limits it will be impossible to make a fair comparison in Brattleboro.
Policy discounts you shouldn't miss
Insuring your fleet can be pricey, but there are discounts available that many people don't even know exist. Some discounts apply automatically when you complete an application, but a few need to be inquired about before they will apply. If you're not getting every credit you deserve, you're paying more than you need to.
- Payment Discounts - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
- Distant Student - Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
- Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
- Auto/Life Discount - Larger companies have a discount if you purchase auto and life insurance together.
- Defensive Driver - Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
- Early Signing - A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
- Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
It's important to understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.
To see a list of insurance companies offering auto insurance discounts in Vermont, click this link.
Insurance agents can help
When choosing the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different so this has to be addressed. For example, these questions may help you determine whether your personal situation may require specific advice.
- What can I do if my company won't pay a claim?
- What are Vermont no-fault laws?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What happens if I owe more than my vehicle is worth?
- Should I have combined single limit or split liability limits?
- Does my car insurance cover rental cars?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Should I rate my vehicle as pleasure use or commute?
If it's difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
More sites with auto insurance information
Additional auto insurance information can be found on the website for the Vermont Department of Financial Regulation through this link. Vermont consumers can view a list of available companies, read enforcement actions against agents and companies, find out industry alerts, and file complaints about an insurance agent or broker.
Additional helpful sites include this page for auto insurance prices in Vermont and this list of insurance agents in Brattleboro, VT.