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Drivers in Vermont would do well to realize that there is a doctrine of comparative negligence in the state that means that if you are found to be contributor to the accident the other party’s insurance company doesn’t have to foot the whole bill. If you have a new car this means that you’ll likely want to purchase collision as a component of your automobile insurance policy. You may think that’s going to cost too much, but you can still find great rates in Vermont even with a policy that offers a lot of coverage.
There are several ways to get a better rate on automobile insurance including:
•Always have automobile insurance. If you neglect to pay your policy or you let time pass between policies, you’ll likely end up having to pay more in premiums. Insurance companies will view you as a higher risk if there are periods of time where your coverage lapsed.
•Pay only once a year. Many car insurance companies understand the appeal of monthly payment plans. They’ll offer these for the convenience of their customers but will also add on a sizable service fee. The customer doesn’t realize how much extra they are actually paying with this method. Stick to paying the full premium once a year to get the best rate.
•Keep a close eye on your credit report. Your credit history is one of the determining factors in how much your premiums will be. Paying all your bills on time has many benefits including cheaper insurance costs.
As with any type of insurance, you want to call several different companies to get quotes. Ask for the same level of coverage with each and also ask a bit about how their claims process works. You may find a company that offers a great price but isn’t there to back-up their clients when an accident occurs. Researching the company’s reputation is just as important as researching their prices.