Car Insurance in Essex
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Auto Insurance in the Green Mountain State
Essex is a town of 22,094 people. Most are well educated, with over 50% of residents having a college degree. Not surprisingly, Essex is in the 5th percentile for the proportion of townsfolk working in the computer industry.
Over 11% of Essex workers work remotely, but the rest spend an average of 21.0 minutes in their vehicles commuting to and from a job each day. Driving to work means they need car insurance in Essex.
Green Mountain Transit provides buses from Essex to Burlington. However, only 1.6% of people take advantage of public transportation, with the majority opting to drive personal vehicles or carpool. Driving allows you to enjoy Vermont's scenery. It also prevents you from having to wait in the dark during the northeast's short winter days.
On weekends, residents can drive to over a dozen nearby parks, including Saxonhollow Park and Arbor Terrace. They can also make the 20-minute drive west on Highway 15 to Causeway Park on Lake Champlain. This beautiful freshwater lake is the 6th largest in the country. It is a great place to swim in the summertime or fly fish for salmon in the fall.
Risks to Your Vehicle
Even though Essex and the surrounding areas are safe, the airport receives a grade of F in vehicle theft. This score means that if you depart from Burlington International Airport, you have an extremely high risk of someone stealing or breaking into your car. Comprehensive car insurance in Essex will safeguard your car and any belongings inside while you are away.
Winter weather is the primary concern for anyone driving in Essex. An average of 72 inches of snow falls in the region per year, putting your vehicle at risk of frozen fuel lines, broken windows and a rusty exterior. Changing a flat tire or a dead battery in sub-zero temperatures can be dangerous, so many Vermonters opt for insurance coverage that includes roadside assistance.
Like many northern cities, Essex enforces a parking ban on city streets from 7:00 p.m. to 7:00 a.m. during winter. While inconvenient to people enjoying downtown nightlife, this restriction allows the city's salt trucks enough room to get through the narrow streets. If you accidentally leave your vehicle on a city curb, then you may have to file a claim on your car insurance in Essex for any damages that a tow truck causes.
People living in Essex pay an average of $1,259 per year for car insurance. This rate is higher than the state average but considerably lower than what people pay across the country. Reasons for affordable insurance include Vermont's low population density and low number of uninsured drivers. Factors that might increase your rate include past events such as DUIs or accidents.
VIU by HUB
VIU by HUB makes it easy to find car insurance in Essex that meets your needs. Vermont's state government requires bodily injury, property liability and uninsured motorist bodily liability coverage. In addition to these policies, you may also want medical payments, collision or non-owner's coverage.
By using VIU by HUB's quote calculator, you can compare rates from multiple insurance companies without having to contact an agent from each one. Just answer a few simple questions about your vehicle and where you live to make side-by-side comparisons of all the policies available in your area.
This information is intended for general informational purposes only and is not intended to constitute legal advice.