Buy Castleton Car Insurance Cheaper With These Tips

Are you confused by the dozens of car insurance choices in Castleton? You’re not alone. You have so many companies to choose from that it can turn into more work than you anticipated to compare prices.

It’s important to get comparison quotes once or twice a year due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates a few years ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because we’re going to show you the proper way to properly buy coverages and cut your premium.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these methods. Shopping for more affordable car insurance in Castleton can be fairly easy. But Vermont drivers benefit from understanding how companies market insurance on the web and apply this information to your search.

Learn How to Lower your Rates

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that could result in big savings.

• Don’t skimp on liability – Your policy’s liability coverage provides coverage if a jury decides you are liable for damages from an accident. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
• How’s your driving record? – Your driving record has a huge affect on how much you pay. Even a single speeding ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
• Add-on coverages can add up – There are quite a few extra bells and whistles that you can buy if you aren’t careful. Coverages for roadside assistance, towing coverage and membership fees are examples of these. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
• Rate your vehicle for proper use – Driving more miles every year the more you will pay for car insurance. Most insurance companies apply a rate determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your car insurance coverage shows the proper vehicle usage, because it can save money.

Cut your car insurance rates with discounts

Car insurance companies don’t always list every discount very well, so we took the time to find some of the more common as well as the least known car insurance savings.

• Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
• Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
• Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
• Save over 55 – Older drivers may qualify for a small decrease in premiums.
• Accident Waiver – Certain companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
• Drive Safe and Save – Insureds without accidents may save up to 50% more than their less cautious counterparts.

Keep in mind that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of companies with the best car insurance discounts in Vermont, click here.

You are unique and your car insurance should be too

When it comes to choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation could use an agent’s help.

• I don’t drive much so do I pay less?
• Why does it cost so much to insure a teen driver in Castleton?
• Does coverage extend to a rental car in a foreign country?
• Do I have coverage if my license is suspended?
• Are there companies who specialize in insuring high-risk drivers?
• I have good health insurance, so how much medical payments coverage do I need?
• What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

More detailed Vermont car insurance information is available at the Vermont Department of Financial Regulation website. Vermont consumers can learn about specific coverages, file complaints about a company, file complaints about an insurance agent or broker, and read consumer alerts.

Smart consumers save more

Cost effective car insurance is available both online and with local Castleton insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

You just read some good ideas how you can save on car insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the biggest savings come from the least-expected company.

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the best price.