8 Discounts Hooksett Drivers Forget when Comparing Car Insurance

I can't think of anyone who looks forward to paying for car insurance, particularly when they are paying too much.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually hit you with ads and it is difficult to sift through the bull and find the best price available.

Finding Car Insurance in Hooksett, NH

There are several ways to shop for car insurance, and some are easier and takes less work. You can spend countless hours driving to agents in Hooksett, or you can stay home and use the internet to get rates in a matter of minutes.

The majority of car insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each company returns a rated price determined by their information. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you can't choose the providers you want pricing from. If you would rather choose individual companies for rate comparison, we put together a list of the cheapest car insurance companies in New Hampshire. View list of New Hampshire insurance companies.

Whichever way you use, make absolute certain that you use exactly the same deductibles and coverage limits for every quote you compare. If your comparisons have different values for each quote it will be very difficult to determine the best price in Hooksett. Just a small difference in coverages can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies will increase your chances of finding better pricing.

How much can you save with these eight discounts?

Auto insurance companies do not advertise all available discounts in a way that's easy to find, so here is a list both the well known and the harder-to-find car insurance savings.

  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students - Have your child enroll in driver's education in high school.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
  • Paperless Signup - Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Student in College - Children who live away from home without a vehicle on campus can receive lower rates.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won't be that lucky.

To see a list of insurers with the best car insurance discounts in Hooksett, follow this link.

How much car insurance do I need?

When choosing proper insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is unique so your insurance needs to address that. For example, these questions might point out if your insurance needs might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered if I wreck a rental car?
  • Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Even more information is available at the New Hampshire Insurance Department website. Visitors are able to report car insurance fraud, read consumer alerts, download brochures, and view a list of available companies.