Vermont state law requires business owners to carry auto insurance in Vermont on all company-owned vehicles. If the police catch you driving without car insurance in Vermont, you must pay a fine. Fortunately, it's not difficult to purchase Vermont auto insurance.

Therefore, all employees who drive company-owned vehicles should have coverage under the company's VT auto insurance policy. Many companies find that it is convenient to store the proof of Vermont car insurance in the glove compartment in case of emergency, especially when many employees drive the same car.

Before requesting Vermont auto insurance quotes, you should:

1. Determine how many employees require Vermont automobile insurance.

2. Understand the minimum insurance level required by state law.

3. Calculate how often employees will drive company-owned vehicles. This will determine the amount you must pay for auto insurance in Vermont.

Action Steps
The best contacts and resources to help you get it done

Select several Vermont car insurance agencies for quotes

When you fill out a simple form online, you can instantly receive rate quotes from many leading Vermont car insurance companies. This makes it easy to compare rates and services.

I recommend: Insurance.com and Esurance both offer free quotes to those looking for car insurance in Vermont.

Purchase a product per your priorities

What are your priorities when looking for a VT auto insurance company? Make sure you select your insurance company based on your company's prioritized needs. Decide what's most important to your business from a carrier.

I recommend: Many Vermont business owners choose to purchase their insurance through a nationwide company such as State Farm. However, you may want to look at insurance providers located in Vermont, such as Integrity Solutions Insurance.

Purchase the amount of coverage that makes your company feel secure

Auto insurance in Vermont must cover a minimum of $25,000 for injury or death of one person in an accident, $50,000 for injury or death of more than one person in an accident and $10,000 for property damage. Many companies choose to purchase a higher level of coverage for added security.

I recommend: You can use a coverage calculator to help determine the amount of coverage your company should purchase. AIG Insurance and CarInsurance.com both provide excellent coverage calculators.

Discuss discounts with auto insurance providers in Vermont

Prudent shoppers always ask if they qualify for special discounts when purchasing car insurance in Vermont. The number of ways you can get a discount may surprise you.

I recommend: You can view a list of the discounts that are offered by Geico on their website.

Join auto clubs for auto insurance in Vermont and other benefits

There's no doubt that becoming a member of an auto club, such as the well-known AAA is a great deal. They offer a wide variety of benefits to their members including insurance, travel planning, and auto loans.

I recommend: Compare the auto insurance rates offered by AAA Northern New England. You may be able to get a great deal. Also look at their other member services before deciding to join.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Do you already have an insurance policy? Your current insurance company may also offer auto insurance in Vermont. If they do, you can often get a discount when you bundle your insurance packages together.
• •  Dealerships often require a level of insurance that is much higher than the state minimum level. If you're leasing or financing your car, you should ask your dealer or lender how much car insurance in Vermont they require you to purchase.