The traffic laws of Vermont require all drivers to have car insurance, as it is the case with other states in the US. However, getting good and affordable car insurance in Vermont can be a difficult task. But first, drivers need to comply with basic insurance legal requirement.

Vermont minimum legal auto insurance coverage should meet the following requirements:

More details on VT auto insurance policies can be found on the website of the Vermont Department of Banking, Insurance, Securities and Health Care Administration at their website http://www.dfr.vermont.gov or by contacting their Montpelier office on 802-828-330.

There are a plenty of car insurance companies in Vermont and each of these companies, which are registered under the Vermont's Insurance Regulator, offer different quotes. There are roughly about 99 state insurance companies in Vermont.

Many drivers debate whether they should opt for insurance from a State Insurance Company or a National Insurance company. It is better to have insurance from a state insurance company because not all insurance companies are authorized to operate in all states. So if you opt for insurance from a national company, you have to be sure it is licensed in your state.

The premium rates vary from company to company in Vermont. This is mainly because insurance companies in Vermont have a different set of rates and different types of drivers in the state. Some car insurance companies have their focus on immature and inexperienced drivers, whereas other insurance companies in Vermont focus mainly on mature, experienced drivers.

Like most other states of the USA, in Vermont, the cost of the premium is high if you age is under below 25. If you have a bad driving record, your premium rate is likely to increase as well. If you have a good security system installed in your car like GPS, safety brake locks or air bags, you would get a discount on your premiums.

In Vermont, if you are looking for cheap car insurance, the first thing you need to do is to get as many insurance quotes as possible. When you get the quotes, compare them and select the one that best suits your needs. But before buying insurance, you must ask you insurer how you can reduce your rates without having to compromise on coverage. If you fail to research the insurance quotes, you could be losing out on the cheapest auto insurance coverage available for your needs.

The cheapest auto insurance you purchase should have the basic minimum liability coverage for bodily injury and property damage. But you can add coverage to your basic insurance such as collision coverage, comprehensive coverage, and rental reimbursement coverage, underinsured and uninsured coverage.