Insider Methods for Cheap Portsmouth New Hampshire Auto Insurance

Overpriced auto insurance can overdraw your checking account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Multiple auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer to find the absolute best rate

Portsmouth Auto Insurance Quote Comparison

There are multiple methods to compare auto insurance prices and some are easier and takes less work. You can spend your afternoon driving to insurance agencies in Portsmouth, or you could use the web to accomplish the same thing much quicker.

Most major companies enroll in a system that enables customers to send in one quote, and every company returns a rated price based on that data. This prevents consumers from doing quote forms to each individual auto insurance company.

To use this form to compare rates click here to open in new window.

The one downside to doing it this way is you cannot specify the providers you want to price. If you would rather choose from a list of companies to compare prices, we have assembled a list of the cheapest auto insurance companies in New Hampshire. Click here to view list.

Which method you use is up to you, but be sure to compare the exact same information for every company. If the quotes have mixed coverages then you won’t be able to decipher which rate is best in Portsmouth. Slightly different insurance coverages can make a big difference in price. Keep in mind that quoting more will enable you to find the best offered rates.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like Allstate and Progressive constantly bombard you with ads on television and other media. They all say the same thing that you’ll save big if you switch to their company. How do they all say the same thing? It’s all in the numbers.

All companies can use profiling for the right customer that earns them a profit. A good example of a profitable customer could possibly be between 30 and 50, is a homeowner, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who don’t measure up to these standards will have to pay higher prices and this can result in the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can make those claims. Because of the profiling, you absolutely need to compare many company’s rates. It’s impossible to know the company that will fit your personal profile best.

Cut your premium with discounts

Companies don’t always publicize every available discount very clearly, so the following is a list of some of the best known and the more hidden auto insurance savings.

  • Military Rewards – Having a deployed family member could mean lower rates.
  • Homeowners Savings – Owning a house in Portsmouth can save you money because owning a home is proof that your finances are in order.
  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company may reduce the rate for each vehicle.

It’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

To choose insurance companies who offer auto insurance discounts in New Hampshire, click here to view.

What is the best insurance coverage?

When buying coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining if your situation would benefit from professional advice.

  • Who is covered by my policy?
  • Should I put collision coverage on all my vehicles?
  • Is my custom paint covered by insurance?
  • How many claims can I have before being cancelled?
  • Am I covered when driving someone else’s vehicle?
  • When would I need additional glass coverage?
  • Are rental cars covered under my policy?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Even more information is located at the New Hampshire Insurance Department website. Consumers can find out industry alerts, view a list of available companies, and read enforcement actions against agents and companies.

The articles below may also help you learn more about auto insurance in Portsmouth

What is YOUR best insurance company?

Affordable auto insurance can be purchased on the web and with local Portsmouth insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.