Who Has Cheap Car Insurance Quotes for State Employees in Vermont?

The type of vehicle requiring insurance is one of the primary factors when shopping for cheap car insurance for state employees in Vermont. Vehicles with lower acceleration and performance, modern passenger safety features, or a low likelihood of liability claims will cost less to insure than high performance models. The table below ranks coverage premiums for the most budget-friendly vehicles to insure.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in garaging location in Vermont which can revise premiums significantly.

Looking at the numbers, you can figure that cars like the Ford Escape, Jeep Wrangler, and Toyota Prius are most likely to be a few of the less-costly vehicles to insure for state workers.

Locating budget car insurance is hard enough, and figuring out which companies have the cheapest insurance rates for state employees calls for more quotes for comparison. Every insurance provider has a proprietary formula for setting prices, so we’ll go over the lowest cost insurance companies in Vermont.

We do need to point out that Vermont insurance rates are calculated based on many things that may substantially change the price of coverage. This price variability is why it is so important to do a thorough rate comparison to get the most economical insurance rates for state employees. Insurance rates can be determined by many risk factors and change substantially, so the best company the last time you shopped around may now be one of the more expensive options.

Best Auto Insurance Prices in Vermont

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Safeco may have some of the most affordable car insurance rates in Vermont at around $477 a year. California Casualty, USAA, The Hartford, and Travelers would also make the list of some of the cheaper Vermont auto insurance companies.

As shown in the rates above, if you are a customer of The Hartford and switched to California Casualty, you could see a yearly price reduction of around $128. Customers with Travelers might save as much as $209 a year, and Unitrin customers might see rate reductions of $218 a year.

To see if your current coverage is too expensive, click here to begin a quote or visit several of the following companies.

Be aware that those estimates are averaged for all ages of drivers and types of vehicles and do not factor in a price decrease for state employees. So the car insurance company that has the cheapest rates for you may not even be included in the chart above. That emphasizes why you need to get car insurance quotes using your own individual information.

Impact of speeding/accidents on Vermont insurance rates

In a perfect world, the best way to earn the cheapest insurance prices in Vermont for state workers is to be an attentive driver and avoid accidents and violations. The illustration below demonstrates how citations and at-fault fender-benders can raise insurance rates for different age categories. The premium estimates are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied.

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In the chart above, the average cost of an auto insurance policy in Vermont per year with no accidents or violations is $1,278. Receive one speeding ticket and the average cost rises to $1,470, an increase of $192 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of insurance for state employees goes up to an average of $3,197. That’s an increase of $1,920, or $160 per month, just for being a careless driver!

The illustration below demonstrates how choosing different deductibles can impact insurance rates when quoting cheap insurance for state employees. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

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In the chart above, a 30-year-old driver could cut expenses by $300 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $452 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old category, could drop their prices up to $672 each year by choosing a higher deductible. If you do decide to increase your deductibles, it will be required to have enough spare savings to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Best rates: Progressive, State Farm, Allstate, or Geico

When comparing rates for car insurance for state workers in Vermont, the top insurers to get price quotes from are Progressive, State Farm, Allstate, and Geico. The following table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages shoppers can find with each company.