Who Has the Cheapest Car Insurance for Active Military in New Hampshire?

Wouldn’t it be nice if we could just tell you the one perfect auto insurance company that has the cheapest car insurance rates for active military? Regrettably, it’s not quite that easy, as there are a whole slew of unknown elements such as your age, if you just need liability coverage, and how you use your vehicle, that all have an effect on the price of a policy. In this article, we will cover the things that influence insurance rates and will hopefully give you a good start in finding the cheapest car insurance.

When shopping for car insurance for military personnel, one of the many factors that is used to help calculate the price you pay for insurance is where your car is garaged in New Hampshire. Areas with more people or higher crime rates like Manchester, Derry, and Hampton tend to have more expensive car insurance rates, whereas areas with less congestion have the luxury of the cheapest auto insurance for active military in New Hampshire.

The next table ranks the most expensive cities in New Hampshire for active military in which to buy car insurance.

Price information shown is estimated as the vehicle garaging location can raise or lower coverage prices significantly.

Comparing rates for affordable auto insurance is hard enough, and figuring out which company offers the lowest-priced insurance rates for active military calls for a bit more work. Prices could be moderately cheaper than the average price in New Hampshire, with the lower cost attributed to the reduced risk related to offering insurance for military personnel. Competitively-priced insurance should be easily found from a lot of good insurance companies.
Every insurance provider uses their own formula to establish rates, so let’s begin by taking a look at the insurance companies with the overall cheapest rates in New Hampshire.

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Concord may have some of the lowest car insurance rates in New Hampshire at around $684 a year. Travelers, Patriot, USAA, and Vermont Mutual are also some of the cheaper New Hampshire car insurance companies.

As shown in the rates above, if you have coverage with USAA and switched to Concord, you might realize savings of roughly $170. Insureds with Vermont Mutual could save as much as $189 a year, and Amica policyholders might cut rates by $223 a year.

Bear in mind that those estimates are averaged across all drivers and vehicles and do not take into consideration a rate discount for active military. So the car insurance company that can offer you the best rate may not even be shown in the list of companies above. That helps illustrate why you need to get auto insurance quotes using your own driver data and vehicle information.

Performance level and cost of the vehicle requiring coverage is probably the most important factor when shopping around for the cheapest car insurance for active military. Vehicles with average performance, advanced safety features, or a track record of few liability claims will cost significantly less to insure than higher performance models.

The data below ranks auto insurance costs for the most economical automobiles to insure.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific New Hampshire garaging location which can increase or decrease premiums considerably.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in your specific New Hampshire location which can increase or decrease rates significantly.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in New Hampshire location which can modify price quotes considerably.

The information below illustrates how your deductible choice can influence annual premium costs when quoting cheap insurance for active military. The price estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

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As shown above, a 30-year-old driver could cut expenses by $218 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $332 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old category, could lower their rates up to $660 every year by choosing larger deductibles on their policy. When using a larger deductible, it will now be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Progressive, State Farm, Geico, and Allstate: Who is best?

If you are looking for the best car insurance for military personnel in New Hampshire, the companies that insure more vehicles than anyone else are Progressive, State Farm, Geico, and Allstate. All of them offer liability and physical damage protection, but each on has unique coverages that may influence which company you choose. The data below ranks pricing and service ratings, as well as optional policy coverages .

Best cheap insurance quotes for military personnel

There are quite a few ways to compare insurance prices in New Hampshire, but the most common ways are from a non-exclusive or independent agent, a captive (or exclusive) agent like State Farm or Allstate, or from a direct company like Geico or Progressive. Each way has the same basic steps, but insurance shoppers should know the differences in how they provide rate quotes.

Independent agencies write business for many companies and can do rate comparisons with each one. They have the ability to get prices from more than one company, which can give you better odds of saving money. If prices rise, they simply move the coverage in-house and you can remain with the same agent.

A captive, or exclusive, agent is contracted to one insurance company, for example a State Farm or Allstate agent. They are unable to compare other company’s rates, so keep that in mind.

The final way is buying direct, which means you bypass an exlusive or independent agent and instead shop direct either online or via phone. Shopping direct may be good for families who do not need risk management and have some degree of understanding of what coverages they need.

What is the best method for finding the cheapest auto insurance for active military in New Hampshire? The majority of people assume that buying from a direct company saves the most money since it doesn’t require paying agent commissions, but in reality, that is not true. We could also say that going through an independent agent results in the best rates since they have more companies to choose from, but again, that’s not accurate. In many cases, the exclusive agents have really good rates that other companies cannot beat.

Due to the large number of rating factors, the best method to ensure you are not overpaying for insurance is to do a thorough rate comparison. Set aside the time to get prices from all three to give yourself the best selection. For a list of companies offering online discounts, click here to view.