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This page details the latest auto insurance stats, facts, premiums, and cost reduction techniques in the state of New Hampshire, although these tips will generally apply to any U.S. state.
photo credit: bcnh.org
New Hampshire has the highest percentage of DUI deaths of all U.S. states, perhaps due to rugged terrain and harsh weather conditions throughout the state.
Still, New Hampshire is one of the least expensive states to own a car, and one of the best states to get cheap auto insurance.
The Average Annual Premium for Car Insurance in the state of New Hampshire was about $1,039 this year, much lower than the overall national average annual premium of $1,365.
New Hampshire's relatively low annual auto insurance premiums could be due to a strong economy, low population density, and a relatively low rate of uninsured vehicles on the road.
For whatever reason, New Hampshire is currently one of the 10 least expensive states for a driver to buy car insurance.
People caught driving
without insurance (or at least proof of financial responsibility) in the state of New
Hampshire face fines and/or license suspension until proof of insurance is
Additional headaches are costly reinstatement fees and increased premiums.
Estimates indicate that roughly 10% of vehicles driven on New Hampshire roads are uninsured.
The minimum per-vehicle insurance coverage required by New Hampshire state law is 25/50/25.
This means that a driver in New Hampshire must carry $25,000 in Personal Injury Protection (PIP insurance), along with $50,000 in coverage for injuries to others, and $25,000 in coverage against property damage.
Experts suggest that state mandated minimums are insufficient funds to cover the actual cost of accidents, and recommend 100/300 coverage for all owned vehicles in America.
Also recommended is Uninsured Motorist (UMI) Insurance, as roughly one in nine vehicles in New Hampshire is uninsured.
New Hampshire drivers can lower their car insurance premiums in a number of creative ways. For instance,
1. Establish a physical address in Maine, where the rates are even cheaper.
2. Live alone, or with low-risk drivers.
3. Qualify for every possible discount program offered by insurance carriers. Special deals include
...to name just a few.
According to recent consumer reviews, New Hampshire's top providers of cheap auto insurance are
Still, some New Hampshire residents prefer local carriers such as The Concord Group.
Just grab a few free quotes online from several different companies. Then call a few car insurance agents and ask about their special discounts.
Finally, compare quotes and simply select the cheapest auto insurance deal that meets your personalized needs.
You can generally follow these same directions from any state you live in.
That's really all there is to saving hundreds of dollars a year on car insurance.
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