Vermont Car Insurance Quote
On average residents of Vermont paid around $786 for car insurance premiums in 2003. The national average for 2003 was around $914. It is the common belief that car insurance rates are fixed by insurance carriers and state regulatory agencies. However you can get discount and competitive rates in Vermont by using quoteautoinsurance.com. It is the expectation that 2007 will see the first decrease in car insurance rates since 1999. The expectation is that the decrease will be from .5% to 1% from 2006 alone. Through technology websites, such as quoteautoinsurance.com, have brought about this change as they directly bring competition to the consumers in order to find the best policies for them at the best rates possible. Car insurance rates have seen a change even within Vermont. The average car insurance premium in 1999 was $641; therefore the rates have increased 22.62% since 2003 alone. Because of this it does not make sense for you to throw away money and pay too much for car insurance when you can save money by using quoteautoinsurance.com. It is free to request car insurance quotes from quoteautoinsurance.com so there I nothing to lose, except money by not looking for more affordable rates.
There are some minimum states requirements in Vermont pertaining to car insurance policies. Vermont uses a Tort system, which means a person has to be found at fault if an accident occurs, the person responsible for the accident and their insurance carriers are responsible for damages resulting in the accident. Under the state law of Vermont there is a minimum requirement of $25,000 for every person injured in an accident and a total of $50,000 for every car accident. There also is a requirement of a minimum of $10,000 of Property Damage Liability coverage in a car insurance policy in Vermont. This type of basic coverage is called 25/50/10 coverage. Vermont state law also requires that a policy have Uninsured/Underinsured Motorist coverage to protect you and your passengers from uninsured drivers. This coverage must have a minimum of $50,000 for every person and $100,000 for every accident where a driver that does not have insurance injures a person.
There is also optional Personal Injury Protection on many policies where the coverage is for you and your passengers for injuries that are "reasonable and necessary." There are car insurance companies that will offer PIP and if you believe you might want this you can use quoteautoinsurance.com to find which companies offer PIP. Vermont state law does not require that a policy carry PIP, as it is an option to add to an insurance policy.
Quoteautoinsurance.com will work hard for you and it doesn't matter if you have a spotless record or you are a high-risk driver. It is important that you have a good car insurance policy so you will be fully covered if something were to occur with your car. Quoteautoinsurance.com is always improving their website and services in order to give their customers the easiest way to find affordable car insurance for their driving situation. So if you are looking to save money on your car insurance in the Green Mountain State use quoteautoinsurance.com to get the best rates possible.