Who Has the Cheapest Car Insurance Quotes for Real Estate Agents in New Hampshire?

Finding decent, reasonably-priced insurance is not the easiest thing to do, and finding out which companies offer the cheapest insurance rates for real estate agents may require even more work. Each insurance company uses different criteria to determine premium rates, so to begin we’ll rank the most competitive insurance companies in New Hampshire.

Cheapest Insurance Rates for Realtors

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Travelers may offer some of the lowest car insurance rates in New Hampshire at around $702 a year. Concord, Patriot, USAA, and Amica would also make the list of some of the cheaper New Hampshire insurance companies.

As shown in the table above, if you have coverage with Amica and switched to Concord, you might see yearly savings of roughly $168. Customers with Vermont Mutual might save as much as $179 a year, and MMG Insurance insureds might lower prices by up to $326 a year.

Bear in mind that those premiums are averages across all ages of drivers and types of vehicles and are not factoring in a rate discount for real estate agents. So the insurer that can offer the best rates for your situation may not even be in the rate chart shown above. That illustrates why you need to compare as many prices as possible using your own personal information and vehicle type.

For realtors, one of the big components that control the cost of insurance is your zip code in New Hampshire. Cities that have higher claim levels or more people like Manchester, South Hooksett, and Nashua tend to have higher auto insurance costs, whereas cities that are not as densely populated generally benefit from lower car insurance rates.

The table below ranks the more expensive cities in New Hampshire for real estate agents to buy car insurance in.

Rate quotes are comparative as vehicle location can alter rates greatly.

The cost and performance of the vehicle needing coverage is probably the largest consideration when quoting low-cost coverage for real estate agents. Vehicles with high performance features, poor safety features, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models. The tables below presents coverage prices for a number of the most cost-effective vehicles to insure.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can modify rates greatly.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in your specific New Hampshire location which can lower or raise insurance rates substantially.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific New Hampshire garaging location which can alter price quotes significantly.

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

When shopping for auto insurance, the most popular companies are State Farm, Progressive, Geico, and Allstate. Combined they make up over 48% of the entire U.S. market share. All of them offer physical damage and liability coverage, but each has unique options and discounts that may affect your buying decision. The table below breaks down some of the ratings and options you can expect with each one.

Who has the cheapest insurance quotes for realtors?

Due to technology, there are many ways to find affordable insurance in New Hampshire, but the most preferred methods are using a non-exclusive or independent agent, a captive (or exclusive) agent like State Farm or Auto-Owners, or direct from companies such as Progressive or Geico. Each way is similar, but they differ slightly in how they function.

Independent agents work with multiple companies and can get policy pricing from each one. These agents possess the freedom to give you more rates, which may provide you with a better overall rate comparison. If a cheaper price is found, your policy is moved internally and the insured can keep the same agent.

A captive, or exclusive, agent is limited to just one company, a couple examples are a State Farm or Farmers agent. These agents are unable to compare other company’s rates, so they have to upsell other benefits.

Opting to purchase insurance direct means you bypass an agent and buy direct from companies such as Geico or Progressive. This option may be preferred by drivers who have an average risk profile and have an above average understanding of the limitations of insurance.

So which way is best for finding the cheapest auto insurance for real estate agents in New Hampshire? It would be easy to say buying from a direct company yields the cheapest rates since that eliminates agent commissions, but in reality, that argument does not hold true. It could also be said using an independent agent saves the most money due to increased selection, but that assumption is not true either. And often times, the exclusive agents have extremely competitive rates that are the lowest in New Hampshire.

Due to the large number of rating factors, really the best method to make sure you’re not overpaying for insurance is to get rate quotes and compare. Experts recommend getting price quotes all three ways in order to have the best selection to choose from. For a list of companies with online discounts, click here to view.