New Hampshire Auto Insurance

For residents of New Hampshire, auto insurance is something the law states they must have in place. If a New Hampshire driver does not have sufficient insurance in place to pay for damages following an accident, he or she is responsible for paying this cost personally. Unless you have the funds yourself, it makes more sense for people who live in New Hampshire to buy auto insurance. It is money that you can consider well spent.

New Hampshire is a tort state, which means that when an accident occurs, one of the drivers will be determined to be at fault.

The at fault driver's insurance company will be responsible for paying damages to the injured parties.

When you are finished finding some ways to find a cheaper New Hampshire auto insurance policy then be sure and use our free NH car insurance quote finder to compare rates from top companies online.

New Hampshire Auto Insurance: Minimum Levels Of Coverage

Under New Hampshire state law, motorists are required to carry a minimum level of insurance coverage on their vehicle or have sufficient funds to pay for any damage they may cause as the result of an accident. Most of them do choose to buy an insurance policy to protect them if they are involved in an accident.

The minimum level of coverage required by law for Bodily Injury Liability is $25,000 for a single person injured in an accident and $50,000 for all people injured as the result of the same accident. This type of coverage will pay for medical expenses and cover the cost of wages lost as the result of the accident. It can also pay for damages for pain and suffering if the injured person sues you as the responsible driver, but will only pay out up to the policy limit you have chosen.

In addition, you will need to buy at least $25,000 in Property Damage Liability coverage. This insurance pays for damage caused to another driver’s vehicle and/or property. In this case, property refers to structures like a building or a shed, as well as fences, mailboxes, and signage.

New Hampshire Car Insurance: Optional Insurance Coverage

In New Hampshire, drivers are not required to buy Uninsured/Underinsured Motorist Insurance coverage. This type of policy pays for your medical expenses and lost wages after an accident where the other driver either does not have insurance or doesn't have sufficient insurance to pay your claim in full. If the other driver doesn't have enough coverage, your Uninsured/Underinsured coverage will top up the payments, up to your policy limits.

If you have a good medical insurance plan that will pay your medical bills if you are hurt in an accident, you may be able to get away with not buying this type of insurance. Do keep in mind that if your health insurance is through an employer group plan, that you may be vulnerable if your lose your job or decide to move to a different employment opportunity.

If you are going to look at auto insurance quotes anyway, it makes sense to find out how much you would have to pay for this type of protection and how it works. Then you can make an educated decision.

New Hampshire Auto Insurance: Working With An Insurance Agent

When you are in the market for auto insurance and you want to get good advice, meeting with a New Hampshire independent auto insurance agent is a good idea. Since the agent is not employed by any single insurer, he or she can help you look at options from different providers and help you figure out which company can provide you with the best combination of coverage and reasonable rates.

When you meet with the agent, bring a copy of your existing policy so he or she can get a good handle on the level and type of coverage you have now. You should be prepared to answer some questions about your car and your driving habits. The amount of driving you do each year and the reasons you drive (personal use vs. commercial) will make a difference in the amount you pay for coverage.

Be honest about your driving record, because this will affect the premiums you pay as well. The insurance agent is not there to judge you; chances are he or she has heard whatever you have to say before. Their job is to get you the best coverage possible at a rate you can afford.

Top New Hampshire Auto Insurance Companies

Some of the best New Hampshire car insurance companies include:

• AIG
• State Farm
• All State
• Esurance
• Progressive Direct
• Unitrin Direct
• GEICO

Compare New Hampshire Car Insurance Quotes Now!

Discover more about New Hampshire auto insurance by clicking on the free NH car insurance quote tool right now!