The Essex Agency is your local Vermont Insurance Agency,
representing national and local car insurance companies.

The importance of car insurance in Vermont

Selecting car insurance in Vermont is more than just a legal responsibility. It’s critical to safeguarding your well-being, lifestyle, vehicle, and hard-earned assets. No matter how responsible and experienced a driver you are, we cannot foresee what is around the next bend, and road accidents may occur due to factors well beyond our control. Driving in Vermont, we have to deal with unique hazards that are particular to the weather and terrain. Navigating snow and icy roads in winter and floods in summer are just part of our daily life. We also have the added risk of encountering wildlife, such as Moose on our roads, which cause serious car accidents each year. Interstate 89 between Bolton and Montpelier, Route 2 from Lunenberg to East St. Johnsbury, and Route 12 from Worcester to Elmore, are just some of the roads most frequented by Moose that require extra caution when driving. So, although we love living here, it’s clear that having adequate auto insurance coverage should be a priority.

Choosing the right car insurance policy to fit your needs and local risks is essential to ensure you receive the help you need to cover the costs of an accident where you, someone else, or an external factor is to blame. With a brief discussion, The Essex Agency can recommend what coverages best suit your needs. It’s important to us that you don’t risk making these decisions without fully understanding their value. One bad accident could change your life forever, so it’s worth taking the time to understand your car insurance policy fully, the scenarios you are covered for, and the coverage you would be entitled to. 

The benefits of an independent Vermont insurance agency.

We are local people who care about your safety. As local road users based in Essex Junction, Vermont, we face the same challenges you do, navigating the same roads day in and day out. With this local understanding and our expert knowledge of insurance policies and types of coverage available, we are in the best position to get the best policy that meets your requirements. Save time calling around when you allow us to do the shopping for you! When applying for car insurance coverage, The Essex Agency will research more than a dozen highly rated insurance companies to find the best combination of coverage and premium available. Contact us today to get your quote!

vermont auto insurance

Important car insurance coverage definitions

  • Liability Coverage
    • This pays the damages and injuries which you cause to others when you are at fault in an accident. 
    • Higher limits are available through Personal Umbrella policies.
  • Uninsured/Underinsured Motorist
    • Your Uninsured Motorist Coverage pays for your injuries or injuries to the passengers of your vehicle, when you are hit by a driver who carries no insurance, not enough insurance, or when the accident is a hit and run.
  • Medical Payments
    • Medical Payments covers injuries to you and the passengers in your vehicle regardless of fault.
  • Comprehensive Coverage
    • Often referred to as ‘other than collision,’ this coverage protects your vehicle for repair or replacement of broken glass and from losses such as fire, theft, and vandalism.
  • Collision Coverage
    • Collision coverage pays for repairs to your vehicle after an accident where you are at fault.
  • Rental Reimbursement
    • Rental Reimbursement coverage pays for the expense of a rental car while your vehicle is being repaired after a covered loss.
  • Towing Reimbursement
    • Reimburses you for towing expenses and provides various roadside assistances.

*Selecting adequate insurance coverage is more than the premium you pay each month for your coverage. In the event of a bad accident, these coverages will determine how much care and the type of care that you, your family, friends, and the others involved, will receive. Should these coverages become exhausted, lawyers seek other places to recover payment to cover the loss.This pays the damages and injuries which you cause to others when you are at fault in an accident. 

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To speak with a licensed car insurance representative submit your name and preferred contact information below or call our office at: 802-878-5334

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The Essex Agency provides Car Insurance coverage to our local community of Chittenden County Vermont as well as customers across the State of Vermont.