Tightwads Guide to Saving on Whitefield Car Insurance

I can't think of anyone who enjoys paying for car insurance, particularly when the price is too high. Because you have many car insurance companies to choose from, it can be challenging to find the most affordable car insurance company.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

The following are some of the factors car insurance companies consider when setting prices.

High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.
Bad driving skills means higher rates - Careful drivers tend to pay less for car insurance compared to drivers with tickets. Just one moving violation can boost insurance rates twenty percent or more. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Big city or small town - Living in a rural area can save you money when talking about car insurance. City drivers regularly have traffic congestion and much longer commute distances. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
Teen drivers pay high rates - Youthful drivers in New Hampshire are known to be careless and easily distracted behind the wheel so car insurance rates are higher. If you've ever had to add a young driver to your car insurance policy can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and are safer drivers.

Car Insurance Comparison Rates in Whitefield, NH

There are several ways to shop for car insurance, and some are easier and takes less work. You can spend your afternoon driving to insurance companies in Whitefield, or you can stay home and use online quoting for quick rates.

Most of the larger companies belong to an insurance system that allows shoppers to submit their information once, and each company provides a quote. This eliminates the need for repetitive form submissions to each individual car insurance company.

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

The only downside to pricing coverage this way is you cannot specify which providers to get quotes from. So if you prefer to choose specific providers to compare rates, we put together a list of the cheapest car insurance companies in New Hampshire. Click to view list.

Whichever way you use, be sure to compare apples-to-apples information with every price quote. If you compare higher or lower deductibles it will be very difficult to find the best deal in Whitefield.

Be sure to get all your discounts

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Some trigger automatically at the time you complete a quote, but some must be inquired about prior to getting the savings. If you don't get every credit you qualify for, you are paying more than you should be.

Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
Good Student - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
Multiple Policy Discount - If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
Distant Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
Low Mileage Discounts - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

To choose insurance companies who offer car insurance discounts in New Hampshire, follow this link.

Is there truth in advertising?

Consumers in New Hampshire can't ignore all the ads for cheaper car insurance by State Farm, Allstate and GEICO. They all say the same thing about savings after switching to their company.

But how can every company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the driver that makes them money. An example of a driver they prefer might be between 25 and 40, a clean driving record, and has great credit. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a more expensive rate which usually ends up with the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the savings.

This emphasizes why you need to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's situation is unique so your insurance needs to address that. For example, these questions may help highlight whether or not you would benefit from an agent's advice.

Do I have coverage when using my vehicle for my home business?
Should I buy only the required New Hampshire minimum liability coverage?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in New Hampshire?
Do I pay less if my vehicle is kept in my garage?
Can I rate high risk drivers on liability-only vehicles?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Additional information is available on the website for the New Hampshire Insurance Department. Click here for link. Visitors are able to find disaster information, file complaints about a company, view agent and company licensing information, and read enforcement actions against agents and companies.

Other informative sites include this page for car insurance prices in New Hampshire and this page of Whitefield insurance agents.

In the end, you save

We just presented many ways to compare car insurance prices online. The most important thing to understand is the more providers you compare, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like .

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. There have been many situations where someone dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.