Car Insurance in Vermont

Car Insurance for Vermont Residents

Driving is one of life’s most enjoyable privileges, giving you the freedom to get where you want and need to go with ease. However, it is also a heavy responsibility. With changing seasons and mountainous terrain, each year there are hundreds of car crashes across Vermont. These can cause extensive damage, injuries, and even deaths. If you are involved in an accident and you do not have proper car insurance, your financial future may be in jeopardy, regardless of how well you are covered under a personal insurance policy.

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Car accidents are expensive. Damage to other vehicles and property as well as injuries caused to other drivers, passengers, and pedestrians are often the financial responsibility of the driver who caused the accident. Your auto insurance can help pay for these expenses, and is required by the state.

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Legal Requirements for Vermont Car Insurance

Vermont requires that you purchase a minimum amount of liability car insurance. This helps to protect drivers from the financial consequences of a car accident. To comply with the law, you must have:

- Bodily Injury Liability to cover injury or death; $25,000 per person and $50,000 per accident.

- Property Damage Liability to cover damage to other vehicles and property; $10,000

- Uninsured/Underinsured Motorist to cover your expenses if the other driver does not have any or enough insurance; $50,000 per person/ $100,000 per accident bodily injury coverage and $10,000 property damage coverage.

While these are the state minimums, it is recommended to invest in more coverage. Your agent can advise you on common coverage amounts in your area and for your situation.

Costs of an Auto Insurance Policy

Additional Coverage

In addition to the state minimum coverage, most drivers benefit from purchasing additional auto insurance coverage. Some common policy additions include:

- Medical Payments Coverage to help to cover medical expenses for you and your passengers when injured in an accident.

- Collision Insurance to help to pay for damages to your vehicle.

- Comprehensive Insurance to help to pay for non-collision damages and losses including theft, vandalism, storm damage, flooding, and more.

- Towing and Rental Coverage to help reduce your out-of-pocket expenses if your car needs repairs due to an accident.

Save Money and Get Great Coverage

Auto insurance doesn’t have to be expensive. By working with an independent agent, you can receive quotes from many insurance providers to find the best policy for the coverage you need and at the price you can afford. Your agent can also advise you on discounts, such as for safe driving, combined policies, and others than can further reduce your premium costs. With the help of your independent agent, you can find coverage that suits your needs and your budget.

Accidents can happen, even to the safest of drivers. Vehicle damage, property damage, injuries, and death can take a serious financial toll on all the drivers involved in a crash. It’s important – and legally required by the state of Vermont – that you protect yourself with coverage from a local friendly insurance agency. With policies ranging from the state minimum liability insurance to full comprehensive coverage to insure you against a broad range of situations, you agent will help find the coverage that’s right for you.

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