Low Cost Car Insurance ! How to Compare Low Cost Car Insurance in New Hampshire

Low Cost Car Insurance ! How to Compare Low Cost Car Insurance in New Hampshire


Unlike most other states, New Hampshire does not require its good drivers to purchase auto insurance. The key word there is “good” drivers.
Any driver who is convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) is immediately forced to buy car insurance for at least three years. Any New Hampshire driver convicted of the same offence a second time is required to purchase car insurance for five additional years.
Other infractions can trigger the state of New Hampshire to require that a driver purchase car insurance. New Hampshire has a “point” system whereby drivers earn negative points on their driving record for various infractions, such as speeding, running a stop sign and so forth. Collect enough negative points on your record and you, too, will have to purchase car insurance.
Naturally if you finance your car your financing institution will require that you carry full insurance coverage in order to protect their collateral – your car.
So even though the state of New Hampshire is willing to let a few of its best drivers on the road without car insurance, the majority of New Hampshire residents still must purchase car insurance – which means there are still an awfully lot of people in New Hampshire comparing low cost car insurance, looking for the very best deal possible.
Before you spend any time comparing prices, you need to make sure that you understand all of the elements that go into determining how much you pay each month for insurance.
Obviously if you are financing a car the more expensive your car is to buy and to repair the more your insurance is going to cost. Some people walk into a show room, fall in love with a vehicle and then worry about how they are going to make a down payment, giving no thought to the monthly insurance premium they will also have to pay. This can be a big mistake.
Drivers who are under 25 can generally get a break on their car insurance if they stay in school and maintain at least a “B” grade point average; most car insurance companies will discount monthly premiums for a “Good Student.”
Older drivers might be able to save quite a bit by taking and passing a driver’s refresher course. Not all car insurance companies offer such a program, but those that do often deduct as much as 10% off your monthly premium if you pass their course.
Your driving record is also a huge factor in determining how much you’ll pay each month for your car insurance. DUIs or DWIs or speeding tickets not only can force you to buy insurance, they can also force you to buy really expensive insurance. Premiums for “bad” drivers can be as much as 50% higher than premiums for the same policy for a “good” driver.
Raising your deductible is one quick way to lower your monthly premium. Of course, when you increase your deductible you are increasing the amount of money you are going to have to pay out of your own pocket any time you have a claim, but this can be a good gamble for many people. Consider all of your options carefully when establishing a deductible you can live with.
Now it’s time to get online and start comparing prices among the various car insurance companies. One trick you should know is that you really need to take the extra time to make your comparisons on at least 3 different comparison websites. Each website only compares a small number of companies – no site compares all of them. Therefore, in order to compare as many different car insurance companies as possible you need to make comparisons on a number of different websites.
But once you’ve done the work then you can feel good about your choice of car insurer because you’ll know – without a doubt – that you have compared low cost car insurance here in New Hampshire and that you have found the best possible deal.
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