If you are a driver living in the state of New Hampshire and looking to pay less for car insurance, you’ll want to read further on how to get cheap auto insurance in New Hampshire.

There’s no better resource for comparing auto insurance rates than the New Hampshire Insurance Department website. What the site does is provide sample rates for hypothetical automobile rating examples.

Each of the example ratings includes the following, unless otherwise noted: $100,000/$300,000 bodily injury, $100,000 property damage; $5,000 medical payments; $100,000/$300,000 uninsured motorist; $250 deductible (comprehensive) and $500 deductible (collision). The example rating scenarios include three married couples, and two each single male and female drivers. Each scenario has different year/make/model vehicle, miles driven, driving record, and some age licensed or school grade point average.

What can you learn from looking at the hypothetical auto insurance premium comparisons? For one thing, it will come as no surprise that the more tickets you have or accidents on your record, the more it will cost to insure your automobile. Certain vehicles have higher insurance premiums as well, based on the auto insurer’s loss data on those vehicles (claims).

Diving into the examples by location, the companies included are selected based on premium volume for the most recently reported complete calendar year and are displayed in alphabetical order by company name. They are listed according to zip code and territory. Before looking at the sample rates per scenario, check out the notes for each company.

If you prefer, look at the listing of company by rating example. This shows each rating scenario, one through seven, and the sample rates quoted by all the companies in the comparison. The listing shows the following nine locations and corresponding zip codes: Berlin (03570); Concord (03301); Keene (03431); Lebanon (03766); Manchester (03102); Nashua (03063); Portsmouth (03801); North Rural (03826) and South Rural (03070).

Keep in mind that when purchasing auto insurance, you should always evaluate the coverage levels and offerings, type of service, whether you want to go with an agency or direct with the company and check online options.

Next steps

When you do apply for insurance, be sure to check with multiple companies. Give each of them the same information, so you’ll be better able to compare the rates you’re quoted. Of course, there are many different factors that are taken into consideration by auto insurers when calculating the rate you’ll be charged. But the actual cost boils down to two things: underwriting and rating. During the application process, you are asked a number of questions to assess the expected cost of insuring the driver and make the determination whether they will insure you (underwriting). Rating is the determination of premium based on the driver, the automobile to be insured, and the amount and type of coverage selected.

What else can you do to get cheap auto insurance in New Hampshire? Ask for all the discounts for which you’re eligible, to further reduce your premium. Be a safe driver always. This is the best way to ensure that you’re getting the lowest rate possible.

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