Burlington Car Insurance

Your Complete Guide to Burlington, VT, Car Insurance

(How to Find Coverage at an Affordable Price)

Burlington, VT, is nestled on Lake Champlain and home to colleges and commercial enterprises. This historic town is best known for its freedom of thought. 

If you own a vehicle in this college city of 42,239, you'll want coverage. An independent insurance agent can find the right policy for your car.

Burlington, VT, Car Insurance Mandates

Each state will have a minimum liability mandate in order to use its roadways. Burlington, VT, has its own set of rules when it comes to your car insurance requirements.

Burlington, VT, auto insurance requirements:

  • A minimum liability of $25,000 per person/$50,000 per accident/ $10,000 property damage.  

Whether you drive an SUV or an RV, Burlington has the above minimum limits mandated. Your independent agent may recommend more coverage to make sure you have proper protection. Connect with your local adviser today. 

Is Uber Driving Covered under Your Burlington, VT, Policy?

If you're a college student looking to make some extra cash or wanting to have a career, ridesharing can be lucrative. The downside is that your personal auto policy excludes livery-for hire services. Some things to ask your independent agent if you are an Uber driver:

  • Does my current auto policy provide coverage when I am transporting people?
  • Do I need a separate business auto policy?
  • Which carriers would provide coverage during livery-for-hire or rideshare services?

Most of the time, your independent agent will recommend a commercial auto policy. This will give your rideshare business adequate protection when you have a loss. Speak with your Burlington independent agent to get the coverage you need. 

Additional Car Coverage in Burlington, VT

When you want coverage for your vehicles and injury, there are additional insurance options to choose from. Most of these choices are not automatically included in your policy. Take a look at optional auto coverages:

  • Gap coverage: This pays for the difference in the value of your vehicle and the amount left on your loan should a total loss occur. 
  • Tow coverage: This pays for the tow of a covered auto.
  • Medical payments coverage: This pays for your medical payments if you are in an at-fault accident.
  • Rental car coverage: This pays for a rental car when a covered auto sustains a loss. 
  • Comprehensive coverage: This pays for property damage resulting from an unavoidable obstruction.
  • Collision coverage: This pays for property damage resulting from a collision between you and another party.

With all the choices, you may be lost on where to begin. A local independent agent can help you get properly insured. To offset the costs of coverages, your agent may suggest bundling your auto and homeowners insurance to get a discount. Discuss cost-saving options with your Burlington agent. 

Do You Need Uninsured and Underinsured Motorists in Burlington, VT?

If you're involved in an accident with an uninsured driver, you may not know what to do. To better protect you and your loved ones, uninsured/underinsured motorist or UM/UIM will help cover the loss. It will pay for your property damage and medical expenses when you're not at fault. Let's look at the percentage of uninsured drivers below:

  • National average: 13.0%
  • Vermont average: 6.8%

No matter if you drive a Mercedes or an ATV, you'll want UM/UIM coverage for all the what-ifs. Your Burlington independent agent can help secure the UM/UIM insurance your auto policy needs. 

How Theft Rates Impact Your Burlington, VT, Insurance Premiums

Local crime will have an impact on your car insurance premiums. Your Burlington agent will probably recommend comprehensive coverage in the event your vehicle gets broken into. Take a look at the theft rates per 100,000 people:

  • National average: 228.9
  • Vermont average: 40.4
  • Burlington average: 1,668

Since the theft rates in Burlington are higher, your costs could be more. Comprehensive coverage is optional, just like life insurance, and only you can decide if you want the protection. Discuss this and other coverage options with your local agent today.

The Cost of Car Insurance in Burlington, VT

Car insurance premiums are customized to each person. If you are in the habit of comparing rates with others, it may not be the best measure. Insurance companies us the following personal data to determine costs:

  • Crime rates
  • Your credit score
  • Natural disasters
  • Coverage selected
  • Your address
  • Your claims history
  • Policy discounts 

Whether you live in a state with more catastrophic events or lack thereof, the carriers are basing the rates from your criteria. That makes your car insurance premiums unique and specific. Speak with your Burlington independent agent to get exact rates on car insurance. 

Connect with a Burlington, VT, Independent Agent Today

When you work with an independent insurance agent in Burlington, VT, you get the best of both worlds. They can find competitive rates and coverage on your behalf.

An independent agent has access to multiple carriers, giving you options. Connect with a local adviser on TrustedChoice.com to begin. 

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