How to Know You're Throwing Money Away for Auto Insurance in Pembroke

Tired of not being able to afford each month for car insurance? You're in the same situation as most other car owners in New Hampshire.

Having so many online and local companies to choose from, it's nearly impossible to pick the most affordable company.

Don't pay full price with these discounts

Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be asked about prior to getting the savings.

  • Driver's Ed - Have your child successfully complete driver's ed class if it's offered in school.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you will save 10% to 20% off each policy.
  • Senior Discount - Mature drivers may be able to get better auto insurance rates.
  • Payment Method - If you pay your bill all at once instead of paying each month you may reduce your total bill.

Keep in mind that most credits do not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will help reduce your premiums.

To see a list of insurance companies who offer auto insurance discounts in New Hampshire, follow this link.

compare Pembroke auto insurance rates

How to Compare Pembroke Auto Insurance Rates

Effectively comparing auto insurance prices can take hours if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in Pembroke, or you could save time and use online quotes to get the quickest rates.

Many insurance companies enroll in a system that enables customers to complete one form, and each company provides a quote based on that data. This eliminates the need for quote requests to each individual auto insurance company.

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

The one disadvantage to comparing rates this way is buyers cannot specifically choose which carriers to get quotes from. So if you prefer to pick individual companies to request quotes from, we have assembled a list of auto insurance companies in New Hampshire. Click to view list.

It doesn't matter which method you choose, just ensure you're using apples-to-apples information on every quote you get. If you have higher or lower deductibles it will be impossible to determine which rate is truly the best in Pembroke. Just a small difference in limits may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes provides better odds of finding the best price.

Pembroke Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to better auto insurance rates.

  • You might want pay the small claims yourself - Companies in New Hampshire provide discounts to drivers who are claim-free. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Where you live - Being located in a small town can save you money when buying auto insurance. City drivers have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Careers like real estate brokers, architects and stock brokers tend to have the highest rates because of high stress and long work hours. On the other hand, jobs such as farmers, students and performers receive lower rates.
  • Do men or women drive better? - The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Men and women cause accidents at a similar rate, but the men have costlier accidents. Men also statistically get cited for more serious violations like reckless driving and DUI. Young males are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Safer cars are cheaper to insure - Safer cars are cheaper to insure. The safest vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Special features that cut premiums - Driving a car with an alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Your spouse saves you money - Getting married can get you a discount when buying auto insurance. Having a significant other means you're more mature and it's proven that drivers who are married are more cautious.
  • A clean driving record saves money - A bad driving record has a big impact on rates. Even one ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.

The auto insurance bait and switch

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all say the same thing that you can save after switching to their company. But how can every company say the same thing?

Different companies can use profiling for the driver that is profitable for them. A good example of a driver they prefer might be profiled as between the ages of 40 and 55, is a homeowner, and drives less than 10,000 miles a year. A propective insured who fits that profile will get very good rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a higher premium which usually ends up with business not being written. The ads say "customers that switch" not "everyone that quotes" save that much. That's why insurance companies can advertise the way they do.

This emphasizes why drivers must get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

Do the work, save more money

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Affordable auto insurance can be purchased on the web and also from your neighborhood Pembroke agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

More information can be read on the website for the New Hampshire Insurance Department located here. New Hampshire drivers can download brochures, view agent and company licensing information, read industry bulletins, and learn about insurance regulations.

Additional helpful sites include this site for auto insurance rates in New Hampshire and this list of insurance agents in Pembroke, NH.