Posts Tagged ‘Vermont Auto Insurance’

Penalties for Driving Without Vermont or Virginia Auto Insurance Coverage

Thursday, August 18th, 2011

Drivers who fail to maintain Vermont and Virginia auto insurance coverage as required under state law will be subject to penalties. Virginia does allow drivers to pay an annual fee of $500 which allows them to operate a vehicle without liability insurance coverage in place.

The driver who chooses this option needs to realize that he or she will be responsible for paying for any damages he or she causes in an at-fault accident personally. A person who is considering this option should think about it very carefully. While paying the fees allow the driver to get plates or a decal for the vehicle, getting auto insurance coverage in place is a quick and easy process, especially if the driver shops for coverage online.

Penalties in Vermont

Drivers who cannot show proof of insurance coverage during a traffic stop will be fined $100 and two points will be added to their driving record. The driver will also be required to demonstrate proof of financial responsibility with the state Department of Motor Vehicles. A driver’s license can be revoked if a driver is caught without insurance after having been involved in an accident.

Penalties in Virginia

In VA, drivers who get caught without having insurance coverage in place will have their driver’s license and vehicle registration suspended. To have them reinstated, the driver will need to pay a $500 statutory fee and have his or her insurer file proof of coverage through an SR-22 (Financial Responsibility Insurance Certificate) for three years. The driver in this situation may also have to pay a reinstatement fee as well.

 

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Posted in USA, Vermont, Virginia |

Should You Buy Vermont Auto Insurance On Line?

Sunday, May 1st, 2011

Buying auto insurance on line is a great choice for Vermont drivers. Not only is it an easy and convenient way to find the protection you need, but you may be able to save money by shopping for your coverage in this manner.

The price you receive from an online quote are just as accurate as the ones that you would get from a licensed insurance agent. The same software is used in both cases but since the insurance company has lower administrative costs when customers buy electronically, it can offer lower rates. Pricing can also vary when buyers use this method because the company does not have to pay a commission to the agent.

Buying an auto insurance policy over the Internet is something that a consumer can do at any time of the day or night. Before settling on a particular provider, it’s important to get quotes from several companies. Each one licensed to do business in the state sets its own rates, and premium rates will vary between providers.

Once you find a company you want to deal with, you can buy your policy and pay the deposit over the Internet using a credit card or another accepted payment method. The company will provide a printable receipt and a temporary insurance card that can be used until the full policy documents are received by mail. The temporary card should be carried in the vehicle at all times in case proof of coverage must be provided following an accident or during a traffic stop by police.

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Posted in USA, Utah |

How to Keep Vermont Auto Insurance for Teens Affordable

Wednesday, February 9th, 2011

Parents who are looking for Vermont auto insurance for teens understand that while the young drivers in their household need coverage, it can be a very expensive to put it in place. Rather than buying a new policy for a teen where he or she is the primary driver, a less expensive choice is to add the young person onto a parent’s existing policy as an occasional driver.

The insurance company will want to know how many people in the household are licensed drivers. It will assume that the teen has access to the parent’s vehicle anyway, so adding another driver to the policy is something the parent will have to do anyway.

Another way that parents can help to keep the cost of Vermont auto insurance for their teen down is to ask whether the company offers a discount to young people who are able to maintain good grades in school. A teen or young adult who is a full-time student who can keep a B average or higher can save on the cost of his or her coverage, and the amount of the discount will depend on the insurance company.

Having a child obtain his or her license is a change in circumstances, and parents should take this opportunity to get quotes from a number of insurance companies to find the one that can offer the best rates on teen auto insurance in Vermont.

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Posted in USA, Vermont |

How to Cancel Your Vermont Car Insurance Policy

Monday, February 7th, 2011

If you have decided that you want to cancel your Vermont car insurance policy, either because you want to switch providers or you have sold your vehicle and will no longer be driving it, your first step should be to check your policy documentation. The policy language will indicate the procedure you should follow if you decide that you no longer wish to be covered by the company anymore.

You may be directed to inform the company in writing that you either don’t want to renew your coverage or cancel it outright. Even if the policy doesn’t specify that you must write to the company to let it know your decision, it’s a good idea to do so anyway. When you write your letter to the company, let it know the effective date that you wish the cancellation to take effect. It’s a good idea to contact the company to confirm that you have the correct mailing address, and be sure to ask if you should direct your correspondence to a particular person or a specific department.

If you are canceling your Vermont car insurance policy mid-term and you have paid a premium in advance, you are entitled to a refund. The insurance company can charge an administration fee to customers that decide to cancel their coverage before the term expires, so be sure to ask how much you will have to pay if you choose to do so.

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Posted in USA, Vermont |

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