How To Get Affordable Automobile Insurance In New Hampshire

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How to Find Affordable Auto Insurance in New Hampshire


Summary

While most states require drivers to have automobile insurance, New Hampshire stands out as an exception. Here, drivers with clean records aren't obligated by law to carry insurance. However, certain situations do necessitate coverage.

Understanding New Hampshire's Unique Insurance Laws

In New Hampshire, good drivers aren't legally required to have auto insurance. However, specific circumstances may still require you to purchase coverage:

- Financing a Vehicle: If you finance your car, lenders typically demand full insurance to protect their investment.
- Driving Record Issues: A history of violations, such as a DUI or DWI, mandates insurance for at least three years. Subsequent offenses extend this requirement by two more years.
- Points System: Infractions like running a stop sign or ignoring a police officer add points to your record, possibly triggering a need for insurance. The threshold varies by age, so check with the New Hampshire Motor Vehicle Department for details.

Tips to Keep Insurance Costs Low

1. Maintain a Clean Record: Avoid drinking and driving, speeding, and breaking traffic laws. This helps keep your insurance costs down.

2. Increase Your Deductible: Opt for a higher deductible, which means paying more out-of-pocket for claims but receiving a lower monthly premium.

3. Choose a Practical Vehicle: While a flashy car may be tempting, it's wise to ensure you can afford the insurance. Sports cars often come with higher premiums.

4. Utilize Online Comparison Tools: Take advantage of websites that let you compare policies and prices across multiple insurers. To get the broadest view, fill out forms on at least two or three comparison sites.

By following these steps, you’ll be well-equipped to find affordable automobile insurance in New Hampshire that suits your needs.

You can find the original non-AI version of this article here: How To Get Affordable Automobile Insurance In New Hampshire.

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