Best Cheap Auto Insurance for Government Employees in Vermont

For state and federal workers, one of the more important factors that helps auto insurance companies calculate the amount you pay each year for auto insurance is where your car is garaged in Vermont. Densely populated urban areas like Saint Johnsbury, Bellows Falls, and White River Junction tend to have higher rates, whereas areas with less congestion have the luxury of the best cheap auto insurance for government employees in Vermont.

The table below rates the most expensive cities in Vermont for government employees to buy an auto insurance policy in.

Table data uses comparative as the specific geographic location can alter insurance rates noticeably.

The make and model of vehicle that is being insured is a significant factor when consumers are trying to find the lowest-priced car insurance for government employees. Vehicles with reasonable performance levels, excellent safety ratings, or a positive history of liability claims will cost significantly less to insure than high performance models. The next list showcases coverage prices for a number of the cheapest automobiles to insure.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in Vermont location which can lower or raise premium rates noticeably.

Looking at the data, you can assume that vehicles like the Chevrolet Traverse, Chevrolet Silverado, and Ford Escape are likely to be a few of the cheaper vehicles to insure for state and federal workers.

Price comparison of only insuring for liability

Finding the best cheap auto insurance for government employees in Vermont should be important to most drivers, and one of the easiest ways to pay lower rates for insurance is to only pay for liability coverage. The chart below compares auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Vermont. The rate quotes are based on no claims or driving violations, $250 deductibles, marital status is single, and no discounts are applied.

If averaged out across all ages, full coverage costs an extra $1,706 per year more than buying just liability insurance. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no definitive guideline of when to exclude full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

There are some scenarios where eliminating full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.