Vermont Auto Insurance Quotes

If you've been searching for the best place to find deals on Vermont auto insurance coverage, you can stop searching. You'll find comprehensive information about the auto insurance requirements in Vermont and learn what coverage is required and what coverage is optional. Once you have an idea of what coverage levels you need, you will be able to request price quotes from several different carriers that are licensed to offer auto insurance coverage to Vermont motorists.

Vermont Financial Responsibility

There are several ways to establish financial responsibility and remain in compliance with Vermont's laws.  Most people choose to purchase liability insurance in minimum required amounts since it is the easiest and most affordable option.  If you cannot get insurance or do not want to purchase insurance, you can purchase a surety bond that meets the minimum coverage amounts required or prove that you are self-insured for the amount of $115,000.  If you choose the self-insurance route, you willl need to file with the Commissioner of Motor Vehicles.

Vermont Liability Insurance Requirements

If you choose to purchase liability insurance coverage, there are certain minimum coverage levels that must be met.  Bodily injuries to one person in one accident must be covered by a minimum of $25,000 in liability insurance.  All bodily injuries in one accident must be covered by a minimum of $50,000 in liability insurance.  Property damage must be covered by a minimum of $10,000 in liability insurance per accident.  Vermont also requires that motorists carry uninsured motorist coverage that will pay expenses in the event that an accident involves a driver who does not carry the required liability insurance.

Vermont Proof of Insurance

There are several times you will need to provide proof of insurance on your vehicle.  This includes when your vehicle is inspected, when your vehicle is registered, following a motor vehicle accident, and during a traffic stop.  If you do not have your card with you when you get pulled over, you have 15 days to provide the police officer with valid proof of insurance.  Your proof of insurance must contain the name of your insurance company, your name, your vehicle's description, the limits of liability on your policy, and the effective and expiration dates of coverage.

Penalties for Driving Without Insurance

You can be cited for driving without insurance, which will result in points being added to your license, a fine, and the requirement that you file financial responsibility insurance with the Department of Motor Vehicles.  If you do not have insurance and are caught driving under the influence, driving recklessly, driving while your driver's license is suspended, or fleeing a collision, your driver's license can be revoked.