Find Cheap Andover Car Insurance

Comparison shopping for Andover car insurance is a challenge for people who are new to buying insurance online. There are so many choices that it can be a ton of work to compare prices in Andover.

It's important to compare rates once or twice a year because rates are constantly changing. Just because you had the best deal on your last policy you may be paying too much now. So forget all the misinformation about car insurance because you're going to learn the only way to properly buy coverages and cut your premium.

Compare the Market for Car Insurance in Andover

The are a couple different ways to compare quotes and find the best price. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

The first (and easiest) way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method eliminates the need for separate quote forms for every car insurance company. Taking the time to complete one form will return quotes from many national carriers. Recommended for those who want to invest the least amount of time.

Another way to shop for car insurance online is to take the time to go to each individual company website and fill out their own quote form. For instance, let's assume you want rates from , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in Andover, click here.

The least efficient way to compare rates is driving around to different agent offices. Buying insurance online makes this process obsolete unless you require the professional advice of a local agent. You can, however, compare the best prices online but buy from a local insurance agent and we'll talk about that later.

Whichever way you use, double check that you are using identical coverages and limits for every quote you compare. If you are comparing different deductibles it's impossible to determine the best price in Andover. Just a small difference in limits may result in a large different in cost. It's important to know that getting more free quotes helps locate a lower rate.

You have some control over your rates

It's important that you understand some of the elements that go into determining your car insurance rates. Knowing what influences your rates enables informed choices that may reward you with lower car insurance prices.

Listed below are some of the factors car insurance companies consider when setting rates.

Marriage pays dividends - Being married can actually save you money when buying car insurance. It means you're more mature and it's proven that drivers who are married are more cautious.
Better crash test results mean better rates - Cars with high safety ratings are cheaper to insure. These vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than bad drivers. Just one speeding ticket can boost insurance rates by twenty percent. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Older drivers save more - Young drivers in New Hampshire are statistically proven to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Proper usage rating affects rates - The more miles you rack up on your car every year the more you will pay for car insurance. Most insurance companies rate vehicles based on their usage. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Make sure your car insurance policy shows how each vehicle is driven, because it can save money.
How credit affects car insurance rates - Credit score is a important factor in your rate calculation. If your credit rating is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
Rural vs Urban Areas - Being located in a rural area can be a good thing when it comes to car insurance. City drivers have to deal with much more traffic and longer commute times. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.

Homeowners Pay Less - Owning a house in Andover may trigger a car insurance policy discount because owning a home requires personal responsibility.
Service Members Pay Less - Having a deployed family member could mean lower rates.
Good Students Pay Less - Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
New Car Discount - Insuring a new car can save up to 30% since new cars are generally safer.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.

It's important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like it's possible to get free car insurance, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of companies offering car insurance discounts in New Hampshire, follow this link.

More information is available on the New Hampshire Insurance Department website located here. Consumers can get help finding coverage, find disaster information, and file complaints about a company.

Affordable insurance is out there

Lower-priced car insurance is available from both online companies and also from your neighborhood Andover agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

Consumers switch companies for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, poor customer service and not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

We just showed you many ways to lower your car insurance rates. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with some of the lesser-known companies.