Vermont Auto Insurance
All 50 states set minimum amounts of auto insurance coverage that residents must possess before they get behind the wheel. In Vermont, drivers must carry policies that include bodily injury and property damage liability as well as uninsured/underinsured motorist coverage.
Liability protections help cover the costs of medical expenses or maintenance of property in the event that a driver is responsible for a collision that either injures another person or causes damage to their property. Bodily injury liability covers medical, rehabilitation, and funeral expenses of another party that result from a collision you're liable for, up to your policy's limitations. Property damage liability can repair or replace damaged vehicles or other property of another motorist resulting from a collision you caused, again up to your policy's maximums.
Costs that exceed your coverage must be paid out of pocket. Discuss different coverage options with a licensed agent in order to find a policy that best protects you and your finances. The minimum amounts of state-required liability coverage are:
- $25,000 bodily injury coverage per person
- $50,000 total injury coverage per incident
- $10,000 coverage for property damage
Drivers in the Green Mountain State must also carry uninsured/underinsured motorist coverage. This protection comes into play when drivers are struck by someone who either doesn't have insurance or doesn't have enough of it and your car is damaged as a result. To find a policy that goes above the state's requirements and be better protected on the road, contact a licensed agent.
Car insurance discounts for Vermont residents
Drivers in Vermont may be eligible for the following price breaks, although every provider doesn't offer every discount:
- Good student discount.
- Good driving discount.
- Accident-free discount.
- Multi-car discount.
- Safety features discount.
- Homeowner discount.
- Multi-policy discount.
Contact an agent for a full rundown of price reductions and to ask which ones you may qualify for. He or she will get you a policy that's tailored to your needs and budget.