Best Cheap Insurance for Drivers with Good Credit in New Hampshire

You have seen the catchy advertisements from auto insurance companies like GEICO, The General, and Liberty Mutual promising the cheapest price, so drivers just need to choose one randomly, right?

Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects like whether you are a man or a woman, what liability limits you need, and how far you drive each year, that all go into determining the rate you pay. This article delves into these topics and should give you a good beginning to your quest for cheaper car insurance in New Hampshire.

When shopping for car insurance for financially responsible drivers, one of the many criteria that is used to calculate auto insurance rates is where you call home in New Hampshire. Regions with more people or even just more weather-related claims like Manchester, South Hooksett, and Pinardville are more likely to pay higher prices, whereas areas with less people or fewer weather incidents get the luxury of paying less.

The table below rates the more expensive cities in New Hampshire for drivers with good credit in which to purchase auto insurance.

Price information shown is comparative as zip code location can influence price quotes substantially.

Establishing which companies quote the lowest-priced car insurance rates for drivers with good credit takes a little more sweat in order to find a policy that fits your budget. Each insurer uses their own formula to set their prices, so we will examine the car insurance companies with the most affordable rates in New Hampshire.

It’s a good idea to know that New Hampshire car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay. Turning one year older, increasing deductibles, or getting a reckless driving citation can trigger rate changes that can now make some companies affordable when they were higher priced.

Lowest Insurance Price Quotes for High Credit

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Travelers quotes some of the cheapest car insurance rates in New Hampshire at around $702 a year. Concord, Patriot, USAA, and Amica also rank well as some of the cheaper New Hampshire auto insurance companies.

As shown in the rates above, if you are a policyholder with Amica and switched to Concord, you could earn savings of in the vicinity of $184. Insureds with Vermont Mutual may save as much as $195 a year, and Encompass insureds might reduce rates by $340 a year.

These prices are averaged across all drivers and vehicles in New Hampshire and do not take into consideration a price discount for drivers with good credit. So the insurer that has the cheapest price for you may not even be featured in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

Cheapest car insurance: Geico, State Farm, Progressive, or Allstate

When it comes to car insurance for financially responsible drivers in New Hampshire, four companies you’ll want quotes from are Geico, State Farm, Progressive, and Allstate. If you add them together, they insure over 45% of all policies written in the United States. They all have the same basic coverages, but each one has different optional coverages and features that may influence which company you choose. The following table rates pricing and service ratings, as well as optional policy coverages that are available for buyers.

Who has the cheapest insurance quotes for financially responsible drivers?

Thanks to technology, there are a lot of ways to compare cheaper car insurance rates in New Hampshire, but the most prevalent are through an independent or non-exclusive agent, an exclusive insurance agent like Auto-Owners or State Farm, or direct from companies such as Progressive or Geico. They all follow the same basic process, but buyers should know the differences in how they provide rate quotes.

Independent agents have contracts with many companies and can get rate quotes from every one. These agents are not required to write business for one company and can get prices from more than one company, which may provide you with the best chance of finding a lower price. If a cheaper rate is found, your agent can just switch to a different company and you can remain with the same agent.

Exclusive agencies are contracted to one company like Liberty Mutual and Allstate agents. They usually cannot provide a range of price quotes, so you will not be able to compare multiple prices.

The third popular method of shopping for car insurance is direct, which means you do not use an exlusive or independent agent and instead shop direct online or over the phone from a company like Progressive or Geico. Buying car insurance direct is a good choice for consumers who have little risk and understand what car insurance covers and what it doesn’t.

So which of the methods works best to find the best cheap insurance for drivers with good credit in New Hampshire? Our initial answer would be buying from a direct car insurance company saves the most money because you bypass the middleman, but that generally is not the case. It could also be said going through an independent agent can save the most money because they can shop around, but again, that’s not accurate. In some circumstances, the exclusive agents have price quotes well below independent agents AND direct companies.

Since car insurance companies use so many rating factors, the one way to buy the cheapest policy is to get quotes and compare the rates. Money-saving experts recommend you get quotes from all three types in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.