Reader’s Question:

Why did my auto insurance rates in Vermont go up when I have not had any traffic tickets, accidents or auto insurance claims against the insurance carrier?

Martin

Colchester, VT

If nothing has changed about you then likely the insurance rates your insurance carrier has filed with your state’s insurance regulator have change and therefore they have probably raised auto insurance rates. For instance, Florida has a Hurricane fee now that is tacked onto every insurance premium to policyholders. Usually you will hear of an insurance company lowering car insurance rates across the board, but with any auto insurance rate change segments are differently affected differently.

Cheap Auto Insurance Rates In Vermont

Car insurance rates can go up for a different reasons. Some factors or reasons are under your control, such as your claims record, driving record and credit report. Having a traffic tickets and being involved in an accident can cause your auto insurance rates to increase, depending on your insurance carrier’s rating system and your state’s laws. In addition, many states allow your credit history to be looked at as part of the rating procedure.

Your car insurance rates in Vermont can also increase if you add more drivers to your auto insurance policy. If the new driver is a teen or inexperienced it can be costly. If you add more vehicles to your car insurance policy or buy a newer and more expensive model car it can also add to the expense of your auto insurance premium.

Vermont Auto Insurance Discounts

Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

Tags: auto insurance company Vermont, auto insurance vermont, auto insurance vermont los angeles, auto insurance vermont mutual, vermont auto insurance companies, vermont auto insurance laws, vermont auto insurance regulations, Vermont insurance quotes