Cheap New Hampshire Auto Insurance

Looking for an auto insurance policy isn’t the easiest thing to do, especially considering all of the different companies to choose from. It can be downright hard, and if you don’t have the right service, you may never receive cheap New Hampshire auto insurance. Luckily, with using our free quote tool, you’ll definitely run across something that you consider to be a nice break from all of the high policies out there. Give it a try!

If you’re trying to find cheap auto insurance in New Hampshire, understanding common practices and the law will help. 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, although it’s not hard to obtain cheap auto insurance in New Hampshire.

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.

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 and it can jeopardize a person’s chance to receive cheap auto insurance in New Hampshire.

There are plenty of things a person can do to lower their premiums to obtain cheap auto insurance in New Hampshire. 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.

Other opportunities for cheap auto insurance in New Hampshire are numerous, as well. 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

So, if you’re looking for cheap auto insurance in New Hampshire, you’ll find that all of these things play a part – some obviously more than others. Even still it’s imperative that a person does just about everything that they can to assure a great rate. Also, when you use our free quote tool, you quickly come to learn the difference between us and our competitors. Give it a try!

Useful links:
New Hampshire Division of Motor Vehicles
New Hampshire Division of Insurance
New Hampshire Department of Revenue

Optional Personal Injury Liability Per Person: $25,000.00 Limit
Optional Personal Injury Liability Per Accident: $50,000.00 Limit
Optional Property Damage Liability Per Accident: $25,000.00 Limit
Optional Uninsured/Underinsured: $25,000.00/$50,000.00 Limit

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