Burlington Insurance Agency
1241 Prim Rd, Colchester, VT 05446
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Colchester households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1241 Prim Rd, Colchester, VT 05446
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105 West View Rd, Ste 110, Colchester, VT 05446
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2209 Main St, Colchester, VT 05446
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Learn about insurance coverage options specific to Colchester residents.
Vermont requires 25/50/10 liability coverage ($25,000 bodily injury per person, $50,000 per accident, $10,000 property damage) plus 50/100/10 uninsured/underinsured motorist coverage. Unlike most states, Vermont mandates higher uninsured motorist limits than liability limits, providing additional protection if you're hit by an uninsured or underinsured driver.
Colchester ranks as Vermont's third most expensive city for auto insurance, averaging $1,201 to $1,681 annually compared to the state average of $1,283. Higher rates reflect increased traffic density as a Burlington suburb, I-89 highway access, the presence of St. Michael's College with over 1,100 young drivers, and lake-effect weather conditions that increase comprehensive claims.
In Vermont's at-fault system, the driver who causes an accident is financially responsible for damages through their liability insurance. This makes your liability limits crucial—if you cause an accident with injuries exceeding your coverage, you're personally liable for the difference. Most experts recommend carrying higher limits than the state minimums to protect your assets.
While not legally required, comprehensive and collision coverage are strongly recommended for Colchester drivers. Vermont's harsh winters, lake-effect weather from Lake Champlain, and risks like deer collisions make comprehensive coverage valuable. Lenders require both coverages if you're financing or leasing a vehicle, and they protect you from significant out-of-pocket costs if your car is damaged or totaled.
State Farm typically offers the lowest rates in Vermont, averaging around $60 per month for full coverage, but the cheapest insurer varies by individual driver. Your rates depend on your age, driving record, credit score, and vehicle. The best way to find your lowest rate is to compare quotes from multiple companies like State Farm, Progressive, and local Vermont insurers.
Having a college-aged driver significantly impacts insurance costs since young drivers statistically have higher accident rates. However, many insurers offer good student discounts for students maintaining a B average or better. If your student attends St. Michael's and keeps their car at school, inform your insurer—some companies offer discounts when a student is away at college more than 100 miles from home without regular vehicle access.
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