Tightwads Instructions on Saving on Londonderry New Hampshire Car Insurance

Are you overwhelmed by the dozens of car insurance company choices in Londonderry? Many other drivers are as well. People have so many options that it can be more work than you anticipated to find the best price.

If you have insurance now or need new coverage, you will benefit by learning to find better prices while maintaining coverages. Finding the best coverage in Londonderry is not that difficult. New Hampshire drivers just need to learn the best way to shop online.

Discounts are basically free money

Car insurance companies don’t always list all their discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit possible, you are paying more than you should be.

Memberships – Affiliation with a qualifying organization could qualify you for a break on car insurance.
Lower Rates for Military – Being deployed with a military unit could mean lower rates.
Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
Homeowners Savings – Owning a home in Londonderry can help you save on car insurance because owning a home is proof that your finances are in order.
Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
Accident Forgiveness – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

To choose providers offering car insurance discounts in Londonderry, click here.

Decisions you make can impact your rates

Smart consumers have a good feel for the factors that come into play when calculating car insurance rates. Knowing what controls the rates you pay helps enable you to make changes that could result in lower car insurance prices.

Discounts for married couples – Having a wife or husband actually saves money on car insurance. Marriage translates into being more responsible and it’s proven that married drivers get in fewer accidents.
Protect your assets with liability insurance – Your policy’s liability coverage is the coverage that protects you when you are found liable for damages from an accident. It provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
Small claims can cost you – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies in New Hampshire give cheaper rates to drivers who are claim-free. Auto insurance is intended for the large, substantial claims.
Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. Safer cars reduce injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
Discounts for multiple policies – The majority of insurance companies will award you with lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even with this discount, it’s in your best interest to shop around to confirm you are receiving the best rates possible. Consumers may find a better deal by splitting coverages up.
Tickets mean higher rates – A bad driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance compared to drivers with tickets. Even a single citation can increase rates forty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
Men are more aggressive – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are better drivers. Men and women cause accidents at a similar rate, but men tend to have more serious accidents. Men also get more serious tickets such as DWI and reckless driving.
Proper usage rating affects rates – The more miles you rack up on your car in a year’s time the higher your rates will be. The majority of insurers apply a rate based on their usage. Cars and trucks used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your car insurance policy is rated on how each vehicle is driven.

Local Londonderry agents and car insurance

Some people prefer to buy from a licensed agent and there is nothing wrong with that. Educated insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of getting online price quotes is you may find better rates and still have an agent to talk to.

For easy comparison, once you complete this short form, your information is instantly submitted to companies in Londonderry who will give you bids for your coverage. You won’t need to leave your computer since price quotes are sent directly to your email. Now that’s easy!

Choosing an insurance company shouldn’t rely on just a cheap price. Agents should be asked these questions:

Will their companies depreciate repairs to your car based on the mileage?
Which company do they place the most coverage with?
How are claims handled?
Does the company allow you to choose your own collision repair facility?
If they are an independent agency, which companies do they recommend?
If your car is in the repair shop, do you have coverage for a rental car?

Car insurance agents in Londonderry come in two varieties

When researching a good insurance agency, there are two types of insurance agents to choose from. Agencies in Londonderry are classified as either captive or independent (non-captive). Both insure your vehicles, but it’s important to know the differences since it can impact the selection process. Londonderry New Hampshire car insurance quote

Captive Agents

Captive agencies are contracted to one company such as State Farm, AAA and Liberty Mutual. They usually cannot place coverage with different providers so always compare other rates. They are trained well on their company’s products which can be an advantage. Consumers often choose to use a captive agent primarily because of loyalty to the company and strong financial ratings.

Shown below is a list of captive insurance agencies in Londonderry who may provide you with comparison quotes.

Liberty Mutual Insurance – 25 Orchard View Dr # 12 – Londonderry, NH 03053 – (603) 432-8967
State Farm Insurance – 1 Commons Dr # 3 – Londonderry, NH 03053 – (603) 434-0400
Allstate Insurance – 3 Orchard View Dr # 2 – Londonderry, NH 03053 – (603) 437-6800

Independent Insurance Agents

Independent insurance agents are not locked into one company but rather can write business amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When searching for an agent, it’s a good idea to contact at least one independent agent for the best price selection.Many can place coverage with smaller regional carriers which can save you money.

The following is a list of independent agencies in Londonderry willing to provide price quote information.

Liberty Mutual Insurance – 25 Orchard View Dr # 12 – Londonderry, NH 03053 – (603) 432-8967
Pollack Insurance – 12 Parmenter Rd # D1 – Londonderry, NH 03053 – (603) 432-2011
Headd Agency – 50 Nashua Rd # 208 – Londonderry, NH 03053 – (603) 432-4337

To view a full list of Londonderry insurance agents, visit this link.

After getting reasonable responses to any questions you have as well as a affordable price, you may have just found an insurance agency that can properly service your car insurance policy.

Misconceptions in car insurance advertisements

New Hampshire consumers can’t ignore all the ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you switch to them.

How can each company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a driver they prefer could be a mature driver, owns a home, and chooses high deductibles. Any driver that hits that “sweet spot” will get very good rates and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for these standards must pay higher rates and this can result in business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can make the claims of big savings. This illustrates why you should compare as many rates as you can. It’s just too difficult to predict the company that will provide you with the cheapest rates.

Additional consumer information websites

Even more information is available at the New Hampshire Insurance Department website. Visitors are able to view a list of available companies, file complaints about a company, file complaints about an insurance agent or broker, and view agent and company licensing information.

Quote more, save more

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. In many cases, drivers have reduced full coverage only to discover later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

The cheapest car insurance is definitely available on the web as well as from independent agents in Londonderry, and you should be comparing both so you have a total pricing picture. Some insurance providers don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Drivers switch companies for any number of reasons including being labeled a high risk driver, delays in paying claims, delays in responding to claim requests and poor customer service. Regardless of your reason, switching companies can be less work than you think.