Finding low-cost Somersworth car insurance over the internet can be challenging for consumers not familiar with buying insurance online. With a ridiculous number of insurance companies available, how can consumers possibly compare every company to locate the lowest rates?
Cheap Somersworth Car Insurance Comparisons
There are several ways to compare quotes from local in Somersworth, New Hampshirecar insurance companies. The easiest way to find the cheapest insurance rates is simply to get online rate quotes. This can be done using a couple different methods.
- The fastest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate forms for each company. A single, simple form compares rates instantly. It’s definitely the quickest method.
- A different way to find lower rates requires a visit to the website of each company to complete their respective quote request forms. For examples sake, let’s say you want to compare rates from State Farm, Esurance and Liberty Mutual. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method.
For a handy list of car insurance company links in Somersworth, click here.
Whichever way you use, make absolute certain that you use identical coverage limits for every quote you compare. If each company quotes mixed coverages you will not be able to determine which rate is truly the best in Somersworth. Just a small difference in limits may result in a large different in cost. And when price shopping your coverage, quoting more will improve the odds of getting the best price.
Be sure to get all your discounts
Car insurance companies don’t necessarily list all available discounts very well, so we took the time to find both well-publicized and the more hidden ways to save on car insurance.
- Drivers Ed for Students – Have your child complete a driver education course in school.
- Military Discounts – Being deployed with a military unit can result in better rates.
- Discounts for Safe Drivers – Safe drivers may save up to 50% more than their less cautious counterparts.
- College Student – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
- Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
- Federal Employees – Simply working for the federal government could cut as much as 10% off depending on your company.
- Homeowners Savings – Owning a home in Somersworth can save you money because owning a home requires personal responsibility.
- Low Mileage Discounts – Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
Drivers should understand that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
For a list of insurance companies who offer car insurance discounts in New Hampshire, click here to view.
How do I know if I need professional advice?
When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.
For example, these questions might help in determining if your insurance needs might need professional guidance.
- Are split liability limits better than a combined single limit?
- Exactly who is provided coverage by my policy?
- Is business equipment covered while in my vehicle?
- Is my custom paint covered by insurance?
- How high should my uninsured/underinsured coverage be in New Hampshire?
- Which companies will insure high-risk drivers?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Why you might pay higher rates in Somersworth
Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get much lower annual insurance costs.
- Claim-free discounts can add up – Car insurance companies in New Hampshire generally give cheaper rates to drivers who are claim-free. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
- Never allow your policy to lapse – Letting your insurance expire is a guaranteed way to increase your car insurance rates. And not only will your rates increase, failure to provide proof of insurance will get you a license revocation or jail time.Then you may be required to file a SR-22 with the New Hampshire motor vehicle department to get your license reinstated.
- Do you need the policy add-ons? – There are quite a few extra bells and whistles that you can buy on your car insurance policy. Things like personal injury protection, towing coverage and motor club memberships are some examples. They may seem good initially, but if you don’t need them remove them from your policy.
- Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. The deductibles are how much you are willing to pay if you file a covered claim. The more you’re willing to pay, the less your company will charge you for insurance.
- More miles equals more premium – Driving more miles in a year the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
- Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Occupations such as doctors, architects and dentists have the highest average rates attributed to high stress and long work hours. Other occupations like farmers, historians and performers get better rates.
Switch companies and save? Really?
Allstate, Geico and Progressive consistently run television and radio advertisements. All the companies make an identical promise about savings if you change your policy. How does each company say the same thing? It’s all in the numbers.
Insurance companies can use profiling for the right customer that earns them a profit. An example of a desirable insured could possibly be between the ages of 40 and 55, is a homeowner, and drives newer vehicles. A driver who meets those qualifications gets the lowest rates and therefore will pay quite a bit less when switching companies.
Potential customers who fall outside this ideal profile will be charged higher premiums which leads to the customer not buying. Company advertisements say “people who switch” not “people who quote” save that much money. This is how companies can advertise the way they do. That is why you absolutely need to compare many company’s rates. It’s impossible to know which car insurance company will fit your personal profile best.
Buy online or local, you save
Low-cost car insurance is definitely available from both online companies and also from your neighborhood Somersworth agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.
We’ve covered some good ideas how to get a better price on car insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the biggest savings come from the least-expected company.
When shopping online for car insurance, don’t be tempted to buy poor coverage just to save money. Too many times, someone dropped liability coverage limits only to find out that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.
Even more information can be found at the New Hampshire Insurance Department website. Consumers can read industry bulletins, view agent and company licensing information, and download brochures.
Other useful links include this page for car insurance prices in New Hampshire and this resource to find Somersworth, NH insurance agents.