New Hampshire Auto Insurance

New Hampshire insurance companies can use your credit history to accept applicants, set insurance rates and determine how often you will make insurance premium payments.  They may also use your credit score to determine your risk factors however many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, driving record, where you live and your marital status.  Since New Hampshire is a Torte state, any individual who is found to be at fault in an accident can be sued for pain, suffering, lost wages, and medical expenses.  For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance.  The average insurance premium in New Hampshire as of 2006 is approximately $793.00 and the state is ranked as the 21st most expensive for insurance premiums in the nation.

The state of New Hampshire does not have a minimum liability insurance law in place unless you have a bad driving record.  Residents of the state can purchase liability insurance, uninsured and underinsured coverage, which provides protection against drivers who do not carry auto insurance, as well as collision, comprehensive, and personal injury protection (PIP) insurance coverage from any approved company in the state. 

If you have insurance, you or your insurance company may exclude members of your household from coverage on your insurance policy.  If these individuals have access to your vehicles, you will want them included on the policy.  Anyone who is not covered will be listed in the exclusion section of the policy along with all the other circumstances which the insurance policy is not liable for. 

New Hampshire passed a text messaging bill in July of 2009.  Anyone caught using any type of messaging device which requires two hands operate will be violating the new law if they are caught using the device while operating a motorized vehicle.  The penalty assigned to this infraction is a $100.00 fine.

There are 35 officially accepted insurance companies listed in New Hampshire.  They include Allmerica Financial Benefit Insurance Company, Allstate Fire & Casualty Insurance Company, Allstate Indemnity Company, Allstate Insurance Company, Allstate Property & Casualty Insurance Company, Amica Mutual Insurance Company, Bristol W. Insurance Company, Casco Indemnity Company, Co. Operative Insurance Company, Commerce Insurance Company, Concord General Mutual Insurance Company, GEICO General Insurance Company, GEICO Indemnity Company, Government Employees Insurance Company, Hartford Accident & Indemnity Company, Interins Exchange of the Automobile Club, Liberty Mutual Fire Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property & Casualty Insurance Company, Middlesex Mutual Assurance Company, MMG Insurance Company, Mt. Washington Assurance Corporation, Nationwide Mutual Insurance Company, New Hampshire Indemnity Company Inc., NGM Insurance Company, Peerless Insurance Company, Pennsylvania General Insurance Company, Progressive Direct Insurance Company, Progressive Northern Insurance Company, State Farm Fire and Casualty Company, State Farm Mutual Auto Insurance Company, Teachers Insurance Company, Travelers Home & Marine Insurance Company, Twin City Fire Insurance Company CO, and Vermont Mutual Insurance Company.

One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company.  You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly.  Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.  Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state.  Insuring multiple vehicles will also reduce your premiums.  Anti theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums.  It may also be useful to know which cars are frequently targeted by thieves.  The list of the top ten most often stolen cars in the state of New Hampshire are listed below.

1. 1995 Honda Civic
2. 1994 Honda Accord
3. 1999 Jeep Cherokee/Grand Cherokee
4. 1999 Acura Integra
5. 1991 Toyota Camry
6. 2003 Ford F150
7. 2001 Chevrolet Blazer
8. 2000 Dodge Caravan
9. 1993 Ford Taurus
10. 2000 Ford Explorer