Proven Techniques to Save on Pelham Car Insurance

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

Online insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

Are you getting all your discounts?

Companies offering auto insurance don't always publicize every discount in a way that's easy to find, so we researched both the well known and the harder-to-find ways to save on car insurance.

  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Senior Citizens - Mature drivers may be able to get a discount up to 10%.
  • Paperwork-free - A few companies may give you up to $50 for buying your policy digitally online.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

To see a list of insurance companies who offer car insurance discounts in Pelham, click this link.

Automobile Insurance Quotes in Pelham, NH

Most companies provide coverage price quotes on their websites. Obtaining pricing doesn't take a lot of time as you simply type in your coverage preferences as detailed in the form. Once you submit the form, the system will obtain your driving record and credit report and generates pricing information based on these factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information is monotonous and tiresome. But it's very important to perform this step if you want to find the best price on car insurance.

The preferred way to get multiple rate quotes makes use of a single form to obtain quotes from many companies. The form is fast, requires less work, and makes rate comparisons much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can select your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process just takes a couple of minutes and you'll know if lower rates are available.

In order to find out if lower rates are available, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you input the coverage information identical to your current policy. This makes sure you will have rate comparison quotes based on the exact same insurance coverage.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces that factor into prices.

  • Keep rates low by being claim-free - If you file claims often, you can look forward to either policy cancellation or increased premiums. Companies in New Hampshire give cheaper rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for larger claims.
  • Better credit scores mean better rates - Having a bad credit history is a huge factor in determining your rates. If your credit score is not that good, you could pay less to insure your by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • Drive less and save money - Driving more miles each year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your car insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Car features impact rates - Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured's situation is different so this has to be addressed. For instance, these questions might point out whether you could use an agent's help.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on television and other media. They all make the same claim about savings after switching your policy. How can each company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the right customer that is profitable for them. For instance, a driver they prefer might be over the age of 40, owns a home, and drives less than 10,000 miles a year. Any driver who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be quoted higher rates which leads to the customer not buying. The ad wording is "drivers who switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully advertise the way they do. This emphasizes why drivers must get a wide range of price quotes. You cannot predict which company will provide you with the cheapest rates.

Final considerations

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. There are too many instances where an insured cut liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cheap car insurance can be purchased both online in addition to many Pelham insurance agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

Pelham car insurance quote

For more New Hampshire car insurance information

Even more information is located at the New Hampshire Insurance Department website. Visitors are able to download brochures, find out industry alerts, file complaints about an insurance agent or broker, and view a list of available companies.