9 Tricks to Save on Car Insurance in Farmington, NH

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say you're not the only one.

Numerous battle to insure your vehicles, so it can be very hard to choose a and get the best coverage at the lowest rate

Don't pay full price with these nine discounts

Car insurance companies don't always list every discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Driver Safety - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Homeowners Discount - Simply owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
  • Paperwork-free - Some insurance companies may give you up to $50 for buying your policy on their website.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you won't be that lucky.

compare Farmington car insurance rates

The car insurance bait and switch

Car insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all make an identical promise about savings after switching your policy. How do they all claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the right customer that earns them a profit. A good example of a driver they prefer might be a mature driver, has no tickets, and has a short commute. Any new insured who meets those qualifications is entitled to the best price and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be quoted a higher premium and ends up with the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully make the claims of big savings. This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which car insurance company will fit your personal profile best.

Even more information can be read at the New Hampshire Insurance Department website. Visitors are able to view a list of available companies, discover disciplinary actions, learn about insurance regulations, and file complaints about an insurance agent or broker.

car insurance in Farmington

Final considerations

Cheaper car insurance can be bought both online in addition to many Farmington insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.