Is Your Derby, VT Auto Insurance Too High? Save with These Tips

If you are a novice to online auto insurance shopping, you may be confused because of the huge number of online auto insurance companies and websites all offering big savings in Derby.

Take discounts and save

Auto insurance companies don’t list all available discounts very clearly, so we took the time to find some of the best known and also the lesser-known auto insurance savings.

  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Accident Waiver – A few companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
  • Federal Employees – Simply working for the federal government can save as much as 8% depending on your company.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Good Student – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Driver’s Ed – Have your child enroll in driver’s education in school.

It’s important to note that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of providers who offer auto insurance discounts in Vermont, click here to view.

Shop online but buy locally

Some consumers prefer to get advice from a local agent and there is nothing wrong with that. The best thing about getting online price quotes is you can get better rates but also keep your business local.

Once you complete this short form, your insurance data is emailed to agents in your area who will give you bids for your insurance coverage. There is no need to leave your house because quoted prices will be sent to your email. How’s that for easy! You can find better rates AND a local agent.

Selecting an insurer requires more thought than just the price. Any agent should have no problem answering these questions:

  • Do they receive special compensation for putting your coverage with one company over another?
  • Can they provide you with a list of referrals?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • What are the financial ratings for the companies they represent?
  • Are you getting all the discounts the company offers?
  • How long has their agency been in business in Derby?

Listed below are agents in Derby that can give you price quotes.

  • Mark Mc Bride Insurance Inc – 25 Kingsbury Cir, Derby, VT 05829 – (802) 766-5154
  • Taylor-Moore Agency Inc – 346 Main St, Derby, VT 05829 – (802) 766-2294

For a full directory of auto insurance agents in Derby, visit this site.

After receiving answers to your satisfaction to all your questions and an affordable coverage quote, it’s possible that you found an provider that will adequately provide auto insurance.

More detailed Vermont auto insurance information can be read at the Vermont Department of Financial Regulation website. Visitors are able to read industry bulletins, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.

The articles below may also help you learn more about auto insurance in Derby

save money in Derby Vermont

More quotes mean more savings

Discount auto insurance can be purchased online and with local Derby insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

People leave their current company for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, denial of a claim and lack of trust in their agent. Regardless of your reason, switching companies can be easy and end up saving you some money.

We covered many ideas to compare auto insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the biggest savings come from a smaller regional carrier.