Do you think you bought high-priced auto insurance? Believe me, many Hopkinton drivers feel the same as you. Online insurance companies like Geico, 21st Century and Progressive persitently shower you with ad campaigns and it is difficult to see past the corporate glitz and find the best price available.
If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to get lower rates while maximizing coverage. Finding the best rates in Hopkinton is easy if you know what you’re doing. New Hampshire drivers just need to understand the best way to get comparison rates on the web.
Most companies provide coverage price quotes direct online. Doing online price comparisons is fairly simple as you just type in on the page. Behind the scenes, the company’s rating system gets information on your driving record and credit history and quotes a price based on the information you submitted. Online price quotes simplifies rate comparisons, but the time required to go to multiple sites and type in the same information is a big time waster. But it’s also necessary to get many rate quotes if you want to get a lower rate.
Quote rates the easy way
The preferred way to locate the lowest prices makes use of a single form that gets prices from many companies. It’s a real time-saver, requires less work, and makes online quotes much more enjoyable and efficient. As soon as you send your information, it is quoted and you are able to buy your choice of the quotes returned. If a lower price is quoted, you can click and sign and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.
To save time and compare rates now, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you copy the coverage information as shown on your current policy. Doing this assures you’re receiving rate comparison quotes using the same coverage and limits.
Can you really save that much by switching?
Consumers in New Hampshire can’t get away from ads for cheaper auto insurance from companies such as State Farm, Geico and Progressive. All the ads say the same thing about saving some big amount if you move your policy.
Is it even possible that every company can charge you less for car insurance? It’s all in the numbers.
Many companies give the best rates for a prospective insured that earns them a profit. A good example of a desirable risk should be married and over the age of 30, has no driving citations, and chooses high deductibles. Any driver that meets those criteria will get very good Hopkinton car insurance rates and will save if they switch.
People who do not meet those criteria will be charged higher rates which usually ends up with the customer not buying. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” save money. That’s why insurance companies can make claims that they all have the best rates. This illustrates why you absolutely need to compare as many as you can. It is just not possible to predict the company that will give you lower prices than your current company.
Discount Hopkinton auto insurance rates
The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Some discounts apply automatically at the time of quoting, but some need to be manually applied before being credited.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school.
- Waiver for an Accident – This one is not really a discount per se, but a few companies such as Geico and Allstate will forgive one accident before your rates go up with the catch being you have to be claim-free for a set time period.
- Government Employees – Simply working for the federal government may reduce rates when you but check with your company.
- Telematics Data – Policyholders that allow their auto insurance company to study when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they exhibit good driving behavior.
- Discount for Good Grades – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
- Military Rewards – Having a family member in the military could mean lower rates.
Consumers should know that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.
If you would like to choose from a list of providers that offer multiple discounts in Hopkinton, click this link.
When do I need to get advice from an insurance agency?
Certain consumers just want to buy from a licensed agent. Good agents will help you protect your assets and help file insurance claims. The best thing about getting online price quotes is the fact that drivers can get better rates and still have a local agent.
To find an agent, once you fill out this short form, your insurance coverage information is submitted to companies in Hopkinton who will give you quotes and help you find cheaper coverage. There is no need to contact any insurance agencies since rate quotes are delivered directly to you. If you want to get a price quote from a particular provider, feel free to navigate to their website and fill out the quote form the provide.
Picking the best insurance company requires more thought than just a cheap price. The answers to these questions are important, too.
- Is the agent properly licensed in New Hampshire?
- Do they review policy coverages at every renewal?
- Will their companies depreciate repairs to your car based on the mileage?
- How is replacement cost determined on your vehicle?
- Will they make sure you get an adequate claim settlement?
- Are they primarily personal or commercial lines agents?
- What discounts might you be missing?
To help you see a list of licensed agents near you, here is a complete selection of Hopkinton New Hampshire insurance agencies.
If you feel you receive good answers to all your questions and quotes, it’s possible that you found an provider that will provide auto insurance coverage. But keep in mind consumers can terminate coverage for any reason so don’t assume that you are permanently stuck with any particular company with no way out.
Auto insurance coverages
Understanding the coverages of your auto insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average auto insurance policy.
Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers
This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/25 in New Hampshire), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Comprehensive auto insurance
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle, damage from getting keyed and theft. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for liability
Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability insurance covers things like structural damage, medical services, loss of income and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible. New Hampshire state law requires minimum liability limits of 25,000/50,000/25,000 but drivers should carry more coverage.
Coverage for medical expenses
Med pay and PIP coverage pay for bills for things like chiropractic care, X-ray expenses, EMT expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Additional detailed information can be read at the New Hampshire Insurance Department website. Visitors are able to file complaints about a company, view a list of available companies, and find out which companies have the most complaints.
Cheaper auto insurance rates are out there
When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best cost.
Some companies don’t offer online quoting regional carriers only sell through local independent agencies. More affordable auto insurance can be found both online and from local insurance agents, so you should compare both to have the best selection.