7 Ways You Can Buy Car Insurance for Less in Exeter New Hampshire

Are you tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than millions of other consumers. There are many to pick from, and although it's nice to have multiple companies, it makes it harder to compare rates.

It's important to check car insurance prices before your policy renews since rates are constantly changing. Just because you found the lowest price a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.

Don't pay full price with these seven discounts

Companies that sell car insurance don't always list every available discount very clearly, so we researched both the well known and the harder-to-find discounts you could be receiving. If you're not getting every credit available, you are throwing money away.

  • Multi-policy Discount - If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Accident Free - Claim-free drivers pay much less compared to drivers who are more careless.
  • One Accident Forgiven - Certain companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Early Switch Discount - Select companies give a discount for buying a policy prior to your current policy expiring. It's a savings of about 10%.
  • Clubs and Organizations - Being a member of a qualifying organization may earn a discount on your policy.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you won't be that lucky.

Exeter car insurance quote

The car insurance bait and switch

Consumers in New Hampshire get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate and Progressive. All the ads have a common claim about savings after switching to them.

How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of driver that earns them a profit. For instance, a preferred risk might be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Drivers who don't measure up to these standards will be charged a higher premium and this can result in the customer not buying. The ad wording is "drivers who switch" not "everyone that quotes" save money. That's why companies can truthfully advertise the way they do. That is why drivers should get quotes from several different companies. It's just too difficult to predict the company that will provide you with the cheapest rates.

Learn more today

Even more information is located at the New Hampshire Insurance Department website. Visitors are able to read consumer alerts, read industry bulletins, get help finding coverage, and view agent and company licensing information.

Also read more on Wikipedia and this Exeter agent directory.

Best coverage at the best price

As you go through the steps to switch your coverage, make sure you don't skimp on coverage in order to save money. Too many times, an accident victim reduced liability coverage limits only to discover later that the savings was not a smart move. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Cheaper car insurance can be sourced both online and with local Exeter insurance agents, and you need to comparison shop both to have the best selection. Some car insurance companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.