Please note these things about the survey: The rates shown in this survey do not include the discounts and/or surcharges that insurance companies may apply in determining an individual customer's premium. There are many variables, driving record or, in the case of a student driver, a good academic record – that could increase or decrease the cost of an individual policy. Your agent can advise you whether any of these variables apply to your policy. We hope the information in the survey provides Vermont consumers with an important tool when making purchasing decisions about their auto insurance. Questions about the data in the survey may be directed to Kevin Gaffney in the Insurance Division: 802-828-4845.