Looking for the best Bristol car insurance rates? Read on to learn some things that will hopefully give you the information you need to make an educated decision and purchase the very best Bristol auto insurance coverage.

If you are considering purchasing car insurance in Bristol, Vermont or Bristol, Tennessee, or Bristol, Connecticut or Bristol, Virginia or Bristol, Rhode Island or Bristol, Maine then you may be interested in some area specific information that will ultimately affect your premiums.

While the majority of this home page article addresses information specific to finding Bristol VT car insurance rates here are some bullet points of information about finding the best Bristol auto insurance coverage in different states as well:

• Bristol TN Car Insurance - Tennessee state minimum required levels of car insurance coverage are 25/50/10 or $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $10,000 property damage liability coverage.
• Bristol CT Car Insurance - Connecticut state minimums are 20/40/10.
• Bristol VA Car Insurance - Virginia state minimums are 25/50/20
• Bristol RI Car Insurance - Rhode Island state minimums are 25/50/25
• Bristol ME Car Insurance - Maine state minimum are 50/100/25

No matter where you live it is crucial to shop around and compare quotes from competing insurance companies to find the best deal. Use the tool on the top of the page to get started comparing Bristol car insurance quotes today!

Bristol Vermont Auto Insurance Coverage

You should know what Vermont state law requires of motorists in the area of liability coverage. You may also find useful those factors that are unique to Bristol and will adversely affect your auto insurance rates, as well as those that work to your advantage. Ultimately, competition for your business will cause auto insurance companies to offer you the best possible price for the area in which you reside.

Bristol, Vermont was granted to Samuel Averill and several of his associates on June 26, 1762 by Benning Wentworth who was the colonial governor of New Hampshire under King George III. The name originally given to the town was Pocock. In 1789, the name was changed to Bristol by the legislature.

The town was home to some 3,741 people at the time of the last census and the average age of town residents was 37 years of age. The population of Bristol, Vermont is primarily white non-Hispanic and has a population density of 90 people per square mile. Bristol is located in Addison County; it covers a land area of 42 square miles, has an elevation of 571 feet above sea level and is situated largely upon the Green Mountains.

Bristol Car Insurance Requirements

The state of Vermont requires operators of automobiles to prove that they can cover the cost of damages that result in the event that they have an accident. Most people choose to meet this requirement by purchasing liability insurance. The minimum liability coverage required by the state of Vermont is $25,000 for injury or death to any one individual, $50,000 for injury or death of more than one person and $10,000 to cover damages to property in a single accident.

An additional way to meet this requirement would be to purchase a surety bond in an amount that is equal to the state liability coverage minimum requirement. Vermont state residents can also elect to prove that they are self insured by filing with the Commissioner of Motor Vehicles in the amount of $115,000. However, if you choose this route and fail to maintain proof of financial responsibility you will be subject to a citation, fines, points on your license, and a directive that you again prove that you can cover your responsibilities in the event of an accident.

You also risk license revocation if you are involved in an accident, flee an accident, drive recklessly, are under the influence of alcohol or controlled substances without proper liability coverage.

Bristol Car Insurance Advantages

Living in Bristol has some notable advantages when it comes to getting lower rates on car insurance.

First, typically areas with low fatality rates will get better car insurance rates. Bristol has rates for fatal accidents, number of vehicles involved in fatal accidents, fatalities, and number of people involved in fatal accidents that are less than half that of the averages for these statistics for the state of Vermont as a whole. For example, Bristol reported 16 fatal accidents for that same time period while Vermont’s average was 46 fatal accidents. Similarly, Vermont had an average of 52 fatalities while Bristol had only 18 fatalities on record for that same period.

Next, areas where cars are less likely to be stolen or vandalized are usually given lower auto insurance rates. Bristol’s car theft rate averaged of 3 out every 100,000 cars from the years 2001 through 2006. This is considered to be very low.

Lastly, Vermont is not a no-fault state; instead, it uses a tort system. This means that when there is an accident it is the responsibility of the person who is found to be at fault to cover the damages to persons or property involved in the accident. This generally results in lower insurance premiums for the state overall since only one insurance company pays benefits in the event of an accident. Living in an area that has low rates for fatalities and theft reduces the risk that insurance companies assume in insuring you and should put you in a pretty good position to get lower insurance rates.

Bristol Car Insurance Disadvantages

One of the disadvantages of living in a state that operates on a tort system is that payments for damages are usually delayed since fault needs to be determined and this many times winds up in litigation which can prove costly.

A second potential negative to living in rural areas is that they can be located farther from hospitals. Bristol does not have a hospital of its own. The nearest hospital is located in Middlebury which is approximately 10 miles away. Moments are precious as it relates to accident victims and their ability to receive the care they need.

Compare Bristol Car Insurance Quotes Online

In the end, getting rate quotes from a few Bristol car insurance companies can give you peace of mind that your premiums are the lowest possible for the area in which you live. Consider getting at least three rate quotes from providers who are knowledgeable of the needs of Bristol driver before you commit to any single insurer. Then you'll know you have the coverage you need get you safely through the mountains, in sun or snow.

Get started finding Bristol auto insurance quotes by using the free tool at the top of the page now!