Antrim Auto Insurance For Less Than You're Paying Now

Are you intimidated by the sheer number of auto insurance options in Antrim? Lot's of other consumers are too. You have so many companies to choose from that it can turn into more work than you anticipated to locate the lowest price.

It's important to get comparison quotes every six months because insurance rates are constantly changing. Just because you found the lowest rates on your last policy you can probably find a better price now. So block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to save on auto insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

Shown below are a few of the "ingredients" that factor into rates.

Lower miles equals lower premium - The higher the mileage driven in a year the more you will pay for auto insurance. The majority of insurers apply a rate based on their usage. Autos that are left in the garage qualify for better rates compared to those used for work or business. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle.
Liability insurance protects assets - Your policy's liability coverage provides coverage if ever a court rules you are at fault for damages caused by your negligence. It provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Lower rates with optional equipment - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
You might want pay the small claims yourself - Car insurance companies in New Hampshire give cheaper rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance is designed for the large, substantial claims.
Rural vs Urban Areas - Choosing to live in a small town can be a good thing when insuring your vehicles. Lower population means reduced accidents. Drivers in populated New Hampshire areas regularly have much more traffic to deal with and longer commutes to work. Higher commute times means higher likelihood of an accident.
Safe vehicles cost less to insure - Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders.

Be sure to get all your discounts

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Certain discounts will be applied at quote time, but lesser-known reductions have to be inquired about in order for you to get them. If you aren't receiving every discount possible, you are paying more than you should be.

Auto/Life Discount - Some companies give better rates if you take out life insurance from them.
Organization Discounts - Participating in a civic or occupational organization could trigger savings on auto insurance.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if offered at their school.
Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.

It's important to note that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck. But any discount will reduce the amount you have to pay.

To choose companies with discount auto insurance rates in Antrim, click this link.

Is there truth in advertising?

New Hampshire consumers can't ignore all the ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to make the same claim that you can save if you change your policy.

How can each company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the right customer that makes them money. For example, a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and has great credit. A driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money which leads to the driver buying from a lower-cost company. The ad wording is "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can advertise the savings.

Because of the profiling, you should get as many quotes as possible. It is impossible to predict which auto insurance company will fit your personal profile best.

More information can be found on the New Hampshire Insurance Department website. Click here for link. New Hampshire consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and view a list of available companies.

And the best car insurance company is...

When you buy insurance online, it's not a good idea to buy poor coverage just to save money. In many instances, someone sacrificed uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

Lower-priced auto insurance can be sourced online in addition to many Antrim insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Insureds leave their current company for any number of reasons including delays in paying claims, questionable increases in premium, extreme rates for teen drivers or even high rates after DUI convictions. Regardless of your reason, switching auto insurance companies is easier than you think.