Follow These Tested Tips for Paying Less for Derby, VT Auto Insurance

Are you intimidated by the crazy number of auto insurance options in Derby? You’re not alone. People have so many options that it can turn into a ton of work to find lower rates.

It’s a great practice to price shop coverage quite often due to the fact that insurance rates are variable and change quite frequently. Just because you had the lowest rates a couple years back you will most likely find a better rate today. Starting now, block out anything you think you know about auto insurance because you’re going to get a crash course in how to use the internet to lower your annual insurance bill.

How to Compare Derby Auto Insurance Costs

All the larger auto insurance companies quote price estimates on their websites. This process doesn’t take a lot of time as you simply enter the coverage amounts you desire into the quote form. Upon sending the form, the company’s rating system orders your credit score and driving record and provides a quote.

This makes comparing rates easy, but the process of having to visit multiple sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you want to find lower prices.

There is a better way to compare rates

The smarter way to locate the lowest prices is to use a quote form that obtains quotes from multiple companies. It’s a real time-saver, requires much less work on your part, and makes price shopping online much more efficient. Immediately after you send the form, it is rated and you are able to buy any of the quote results. If the quotes result in lower rates, you can click and sign and buy the new coverage. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you complete the form with the coverage information identical to your current policy. This helps ensure you will have a fair comparison based on similar coverages.

Pay less by taking advantage of discounts

Companies that sell car insurance don’t always advertise all their discounts very well, so here is a list some of the more common and also the lesser-known savings tricks you should be using.

  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums.
  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current policy expires. It’s a savings of about 10%.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

Consumers should know that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.

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Additional auto insurance links

Even more information can be read at the Vermont Department of Financial Regulation website. Vermont consumers can file complaints about an insurance agent or broker, view agent and company licensing information, file complaints about a company, and find out which companies have the most complaints.

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