NH Auto Insurance: 15 Tips to Save Hundreds

Get the Coverage You Need Without Overpaying

New Hampshire drivers pay an average of $1,066 per year for car insurance, according to the National Association of Insurance Commissioners (NAIC). That's about $200 more than the national average. But there are ways to save money on your NH auto insurance. Here are 15 tips:

1. Shop around.

Don't just go with the first insurance company you find. Compare quotes from several different companies to make sure you're getting the best rate. You can use an online insurance comparison tool like NerdWallet or The Zebra to get quotes from multiple companies at once.

2. Raise your deductible.

Your deductible is the amount you have to pay out of pocket before your insurance coverage kicks in. Raising your deductible can lower your premium. However, make sure you can afford to pay your deductible if you have to file a claim.

3. Take a defensive driving course.

Many insurance companies offer discounts to drivers who complete a defensive driving course. These courses teach you how to drive more safely, which can help you avoid accidents and save money on your insurance.

4. Drive less.

The less you drive, the less likely you are to have an accident. If you can, try to carpool, take public transportation, or walk or bike instead of driving.

5. Get good grades.

If you're a young driver, your grades can affect your insurance rates. Insurance companies view good students as being more responsible drivers, so they often offer them discounts.

6. Maintain a clean driving record.

Traffic violations and accidents can raise your insurance rates. If you want to keep your rates low, avoid getting tickets and driving safely.

7. Consider usage-based insurance.

Usage-based insurance (UBI) is a type of insurance that tracks your driving habits and adjusts your rates accordingly. If you're a safe driver, you could save money on your insurance with UBI.

8. Bundle your insurance policies.

If you have multiple insurance policies, such as auto insurance and homeowners insurance, you may be able to get a discount by bundling them with the same company.

9. Ask for discounts.

Many insurance companies offer discounts for things like being a safe driver, having a good credit score, and being a member of certain organizations. Be sure to ask your insurance agent about all the discounts you may qualify for.

10. Pay your premium in full.

If you can afford to pay your premium in full, you may be able to get a discount from your insurance company.

11. Set up automatic payments.

If you set up automatic payments for your insurance premium, you may be able to get a discount from your insurance company.

12. Get a car with safety features.

Cars with safety features, such as airbags and anti-lock brakes, are less likely to be involved in accidents. This can save you money on your insurance.

13. Park your car in a safe place.

If you can, park your car in a garage or other secure location. This will help protect it from theft and vandalism, which can raise your insurance rates.

14. Drive a fuel-efficient car.

Fuel-efficient cars use less gas, which can save you money on gas and insurance. Insurance companies often offer discounts to drivers of fuel-efficient cars.

15. Consider ride-sharing.

If you don't drive very often, you may be able to save money by using ride-sharing services like Uber and Lyft instead of owning a car.

By following these tips, you can save hundreds of dollars on your NH auto insurance.

Why NH Auto Insurance Matters

Car insurance is required by law in New Hampshire. It protects you financially if you're involved in an accident. If you don't have auto insurance, you could be fined and even lose your license.

In addition to being required by law, car insurance also provides peace of mind. Knowing that you're financially protected if you're involved in an accident can give you peace of mind.

Benefits of NH Auto Insurance

There are many benefits to having NH auto insurance. Here are a few of the most important:

• Liability coverage: Liability coverage protects you if you're responsible for causing an accident that injures or kills someone or damages their property.
• Collision coverage: Collision coverage protects your car if it's damaged in an accident.
• Comprehensive coverage: Comprehensive coverage protects your car from damage caused by theft, vandalism, fire, and other non-collision events.
• Medical payments coverage: Medical payments coverage pays for medical expenses for you and your passengers if you're injured in an accident.
• Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage protects you if you're injured in an accident by a driver who doesn't have insurance or doesn't have enough insurance to cover your damages.

How to Choose the Right NH Auto Insurance Policy

When choosing an NH auto insurance policy, there are a few things you need to consider:

• The amount of coverage you need: The amount of coverage you need will depend on your individual circumstances. If you have a lot of assets, you may want to purchase more coverage. If you don't have a lot of assets, you may be able to get by with less coverage.
• The cost of the policy: The cost of your policy will depend on the amount of coverage you purchase, your driving record, and other factors. Be sure to compare quotes from several different insurance companies before you purchase a policy.
• The reputation of the insurance company: It's important to choose an insurance company that is reputable and financially stable. You want to be sure that your insurance company will be there for you when you need it.

Step-by-Step Guide to Buying NH Auto Insurance

Here's a step-by-step guide to buying NH auto insurance:

1. Gather information about your driving history and vehicle. You'll need to provide your insurance company with information about your driving history, vehicle, and other factors.
2. Compare quotes from several different insurance companies. Be sure to compare quotes from several different insurance companies before you purchase a policy.
3. Choose the right policy for your needs. The right policy for you will depend on your individual circumstances. Consider the amount of coverage you need, the cost of the policy, and the reputation of the insurance company.
4. Purchase the policy. Once you've chosen a policy, you can purchase it online, over the phone, or through an insurance agent.
5. Keep your policy up to date. It's important to keep your policy up to date with your current driving history and vehicle information.