9 Excellent Ways to Lower Car Insurance Rates in Hooksett, New Hampshire

No one likes paying for car insurance, especially when they are paying too much. There is such a variety of car insurance companies to buy insurance from, and although it’s a good thing to be able to choose, lots of choices makes it harder to adequately compare rates.

Consumers need to compare rates once or twice a year since insurance rates tend to go up over time. Just because you had the best rates six months ago you will most likely find a better rate today. There is too much inaccurate information about car insurance on the internet, so we’re going to give you some great ways to slash your car insurance rates.

Finding affordable coverage in Hooksett is not that difficult. If you currently have car insurance, you stand a good chance to be able to save some money using these tips. New Hampshire consumers just need to learn the proper methods to shop over the internet.

How to Get Cheap Car Insurance in Hooksett

Most major insurance companies such as State Farm and Allstate provide price estimates on the web. This process is fairly simple as you just type in the amount of coverage you want as detailed in the form. When the form is submitted, their rating system requests information on your driving record and credit history and returns pricing information based on these factors. This streamlines rate comparisons, but the time required to go to multiple sites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to do this in order to get the best price possible.

A less time-consuming method to lower your car insurance bill uses one form that obtains quotes from several different companies. It saves time, eliminates form submissions, and makes quoting online much more efficient. As soon as you send your information, it is rated and you can select your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process only takes a few minutes and may save quite a bit of money.

To quickly compare rates using this form now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you type in the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting rate comparison quotes for similar coverage.

Drivers who switch save $462 a year? Really?

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the companies have a common claim that you’ll save big if you change your coverage to them.

But how can every company make the same claim? This is how they do it.

Insurance companies can use profiling for the type of customer that makes them money. For example, a driver they prefer might be profiled as over the age of 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who meets those qualifications receives the best rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for the “perfect” profile will have to pay more money which leads to the customer not buying. The ads state “customers who switch” not “people who quote” save money. That’s why insurance companies can confidently state the savings. Because of the profiling, it’s extremely important to compare many company’s rates. It’s just too difficult to predict which company will have the lowest rates.

Cut your car insurance rates with discounts

Auto insurance companies don’t necessarily list every available discount very clearly, so the following is a list of both the well known and the more hidden ways to save on car insurance. If you’re not getting every credit you qualify for, you’re paying more than you need to.

• Lower Rates for Military – Being on active duty in the military can result in better rates.
• Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
• Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Accident Waiver – Certain companies allow you one accident without raising rates if your claims history is clear prior to the accident.
• Multi-policy Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
• Good Student – This discount can earn a discount of 20% or more. The good student discount can last well after school through age 25.
• Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• Low Mileage – Keeping the miles down can earn better rates on cars that stay parked.

It’s important to note that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of companies with the best car insurance discounts in Hooksett, click this link.

Even more information can be read at the New Hampshire Insurance Department website. New Hampshire consumers can learn about specific coverages, view agent and company licensing information, and read consumer alerts.

Also read more on Auto Insurance 101 and CarInsuranceDIY.com.

Summing up your car insurance search

As you prepare to switch companies, never buy poor coverage just to save money. In many instances, an accident victim reduced full coverage to discover at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Affordable car insurance is attainable on the web and with local Hooksett insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered a lot of information how to reduce car insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.