Tightwads Tips for Saving on Campton Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say you are not the only one feeling buyer's remorse. You have multiple to pick from, and even though it's nice to be able to choose, having more makes it harder to compare rates.

Why some people pay less for insurance in Campton

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in lower auto insurance prices.

The following are a few of the "ingredients" companies use to determine premiums.

Liability coverage is cheap - Liability coverage provides coverage if a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Policy add-ons can waste money - There are a ton of extra coverages that you can get tricked into buying on your auto insurance policy. Coverages for personal injury protection, accidental death and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate them to save money.
Where you live can impact rates - Choosing to live in a rural area is a positive aspect when insuring your vehicles. Urban drivers regularly have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents.
Proper usage rating affects rates - Driving more miles in a year the more you'll pay to insure your vehicle. Most companies apply a rate based upon how you use the vehicle. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage shows the proper vehicle usage.
Your credit rating is important - A driver's credit history is a important factor in calculating your auto insurance rates. Therefore, if your credit history is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts and thus lower rates.
With age comes lower rates - Teen drivers in New Hampshire are known to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel.

More discounts equal less premium

Companies that sell car insurance don't list all available discounts very clearly, so we break down both well-publicized as well as the least known discounts you could be receiving. If you're not getting every credit possible, you are paying more than you should be.

Organization Discounts - Participating in a qualifying organization may earn a discount when buying auto insurance.
Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Fewer Miles Equal More Savings - Fewer annual miles can earn a substantially lower rate.
Discount for New Cars - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

A little note about advertised discounts, some credits don't apply the the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you won't be that lucky.

To choose insurers who offer auto insurance discounts in New Hampshire, click here.

Switch companies and save? Really?

New Hampshire consumers can't ignore all the ads that promise big savings by companies like Allstate, GEICO and Progressive. All the companies have a common claim about savings after switching to them.

How does each company make almost identical claims?

All companies are able to cherry pick for the type of driver that makes them money. For example, a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A driver that hits that "sweet spot" will get the preferred rates and therefore will save when switching.

Potential insureds who do not match these standards must pay more money and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save money. That's the way companies can truthfully claim big savings. This illustrates why you should get quotes from several different companies. It is impossible to predict which auto insurance company will give you the biggest savings.

Even more information can be found at the New Hampshire Insurance Department website. New Hampshire consumers can find out which companies have the most complaints, discover disciplinary actions, view agent and company licensing information, and file complaints about an insurance agent or broker.

Other informative sites include this link for New Hampshire auto insurance quotes and this link which helps you find a Campton agent.

Best coverage at the best price

Cheaper auto insurance can be purchased online and with local Campton insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

In this article, we presented a lot of ways to save on auto insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from some of the lesser-known companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as .