Cheap Car Insurance Quotes for Good Drivers in New Hampshire

The type of vehicle that is being insured is probably the biggest factor that determines whether or not you find cheap car insurance for good drivers in New Hampshire. Vehicles with lower acceleration and performance, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models.

The data below estimates car insurance prices for a selection of the cheapest vehicles to buy coverage for.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in specific garaging location which can alter coverage rates substantially.

Looking at the numbers, we can infer that models like the Honda CR-V, Toyota Prius, and Ford Escape are most likely going to be a few of the cheapest vehicles to insure for safe drivers.

One of the key things that is used by auto insurance companies to determine the annual cost of car insurance is where your home is located in New Hampshire. Areas with high crime rates or more dense population like Manchester, Pinardville, and Hampton tend to have more expensive car insurance rates, whereas areas with less congestion get the luxury of paying less.

The table below shows the higher priced cities in New Hampshire for good drivers in which to purchase auto insurance.

Table data uses approximated as the specific area where the vehicle is garaged can raise or lower coverage prices substantially.

The information below demonstrates how deductibles can affect annual premium costs when searching for cheap insurance for good drivers. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are factored in.

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The chart above illustrates that a 50-year-old driver could reduce rates by $222 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $336 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could lower their rates up to $752 annually just by using higher deductibles.

If you do raise deductibles, it will be important to have enough funds in savings to be able to cover the extra out-of-pocket expense that comes with higher deductibles.

Types of discounts on New Hampshire insurance

Car insurance companies that offer cheap car insurance for good drivers in New Hampshire may additionally offer premium discounts that can lower rates by as much as 35% if you are eligible for them. A list of companies and a partial list of their discounts can be read below.

• American Family has savings for early bird, bundled insurance, TimeAway discount, multi-vehicle, mySafetyValet, accident-free, and Steer into Savings.
• Nationwide discounts include good student, business or organization, accident-free, defensive driving, anti-theft, easy pay, and multi-policy.
• MetLife offers premium reductions for multi-policy, claim-free, defensive driver, good driver, good student, and accident-free.
• 21st Century offers discounts including teen driver, anti-lock brakes, early bird, good student, theft prevention, and homeowners.
• Farmers Insurance may have discounts that include distant student, mature driver, business and professional, youthful driver, early shopping, good student, and teen driver.
• Allstate offers discounts for good payer, senior citizen, premier discount, utility vehicle, multi-policy, economy car, and good student.

The diagram below illustrates the comparison of yearly insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims or driving violations, New Hampshire state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, accident-free, multiple policy, anti-theft, and marriage discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for good drivers is 28% or $506.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3157,2271],[‘Age 30’, 1613,1169],[‘Age 40’, 1607,1167],[‘Age 50’, 1463,1061],[‘Age 60’, 1415,1027],[‘Age 70’, 1719,1241]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Good Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New Hampshire’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find cheap car insurance for good drivers in New Hampshire

It is possible to find better rates, and here are some of the better thrifty ideas that can help New Hampshire drivers get more affordable coverage.

• Buy vehicles with five-star safety ratings
• Accidents can significantly increase rates
• Do not get tickets
• Do not pay for full coverage if not needed
• Raise deductibles to save money
• Increase your credit rating
• Compare rates and switch if you can find a better deal

That last piece of advice is notably valuable, as was stressed in the article above. Auto insurance prices in New Hampshire change frequently, so don’t be tentative to buy from a different company if a lower-cost policy is available. Many consumers stick with the same company and that’s fine, but we do not recommend it if that dedication is costing potentially thousands of dollars a year. In just a couple of minutes you could compare rates and find cheaper auto insurance for good drivers.