Skip to main content

Auto Insurance

New Hampshire and Vermont Auto Insurance protects you on the road.

Car and truck insurance to protect your lifestyle and what matters most.

Home » Personal Insurance » Auto Insurance

Your vehicle is an essential part of your life and likely a costly one — one that is exposed to many potential losses that are out of your control. We’ll make sure you have options that fit your needs at a fair price.  Our agents can help protect you with auto insurance in Vermont and auto insurance in New Hampshire.

Insurance for the vehicle you rely on daily.

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

What is the minimum required coverage?

Remember, not all car insurance is created equal. Some auto insurance policies simply meet legal requirements. In most states, this means your auto insurance will cover the damage you cause to other cars in collisions. However, auto insurance in some no-fault states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.

Interactive Graphic

Click it. Read it. Cover it.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Take your auto policy further with beneficial add-ons.

Other auto insurance policies go further and protect your car or truck if it is stolen, damaged, or destroyed by fire or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if an uninsured driver damages it.

Talk with your agent to ensure you have the proper car insurance coverage with the right insurance company. Otherwise, you’re putting yourself, your family, and others at risk.

Factors That Determine Your Auto Insurance Cost

People often wonder what factors insurance companies use to determine the cost of their auto insurance. Most people wait until after they purchase a car to secure their auto insurance. They might even shop around trying to find the best rates. Unfortunately, several aspects of buying a vehicle predetermine how much you will pay for your monthly premiums. Once you purchase that car, you may find there’s little you can do to influence the actual price that you are quoted.

To understand the cost of car insurance, it’s essential to look at the factors determining your premiums. You might discover different insurers use slightly different pricing models; that’s why it’s important to speak to a qualified agent and have them quote your insurance with several different carriers to help find the best price when balancing coverage with cost.

These are the primary factors used to determine monthly premiums:
  • Age
  • Gender
  • Marital status
  • Geographic location
  • Driving record
  • Credit score
  • Vehicle model
Influencing Statistics Used by Car Insurance Companies to Calculate Premiums

Insurance companies also use statistical analysis on past claim histories for different models of cars. In particular, they look at the following factors to determine insurance premium costs.

  • How much damage a particular model of car typically incurs in a crash
  • Whether that model is more likely or less likely to be targeted by car thieves
  • Whether that car model causes more damage or less damage to other vehicles when involved in an accident
  • How much damage that model causes to the people and possessions in the other car involved in the accident
  • Whether that particular model generally has lower or higher claims regarding bodily injury
  • What You Can Do to Lower Your Car Insurance Premium

TIP: Discuss your anticipated car purchase and potential insurance costs with your agent before your purchase.

A final factor in determining your auto insurance cost is ensuring a good credit score. People with low credit scores often pay higher premiums than those with higher ones.

Sometimes, finding the right car is the secret to finding a low auto insurance rate. In addition, your driving record, age, gender, and credit score can affect your rates. If you’re budget-conscious, talk to your insurance agent before you buy. They could help you save money on your premiums by making a wise vehicle choice.

Auto Insurance - Family Traveling Together on a Road Trip

Get Started Today

As an independent agency, we are here to help you find the right Auto Insurance coverage.

Get a Quote

  Auto Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!