Spending Too Much for Auto Insurance in Bedford? Here’s How to Save!

Shopping for the lowest cost Bedford auto insurance on the web is rather challenging for consumers new to shopping for insurance online. Since there are so many insurers available, how can you possibly compare every company to locate the lowest rates?

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates while maintaining coverages. The purpose of this article is to instruct you on the most effective way to quote insurance and some money-saving tips. New Hampshire drivers just need to know the best way to get comparison quotes online.

Lower your Bedford Auto Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating your auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in better auto insurance rates.

The list below includes some of the items used by your company to calculate premiums.

  • Pay less after the wedding – Getting married can actually save you money on your auto insurance policy. It usually means you are more responsible and statistics show married couples file fewer claims.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Jobs such as judges, social workers and accountants tend to have higher rates than average because of high stress levels and long work hours. On the flip side, occupations like scientists, athletes and homemakers receive lower rates.
  • Traffic violations increase rates – Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation can boost insurance rates twenty percent or more. Careful drivers get better rates than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Do you need the policy add-ons? – There are a lot of additional coverages that you can buy if you aren’t careful. Things like personal injury protection, towing coverage and additional equipment coverage are examples of these. They may seem like a good idea initially, but now you might not need them so remove them from your policy.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Where you reside plays a part – Choosing to live in less populated areas is a positive aspect when talking about auto insurance. City drivers have to deal with more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Small claims can cost you – Companies in New Hampshire provide cheaper rates to people who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Never allow your policy to lapse – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your insurance lapse. Not only will you pay more, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.

How to Compare Auto Insurance in Bedford, New Hampshire

Most companies like Progressive, Allstate and GEICO allow you to get prices on their websites. Getting quotes is fairly simple as you just type in your coverage preferences into a form. After you submit the form the system automatically orders credit information and your driving record and provides a quote.

Quoting online streamlines rate comparisons, but the time it takes to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to find better auto insurance pricing.

An easier way to compare rates is to use a quote form that gets price quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes online shopping much more efficient. Immediately after you send the form, it is rated and you can choose any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It only takes a few minutes and may save quite a bit of money.

To get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you type in the insurance coverages as shown on your current policy. This helps ensure you’re receiving comparison quotes for similar coverage.save money image

These discounts can lower your rates

Car insurance can cost a lot, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but less common discounts must be asked about before you will receive the discount. If you’re not getting every credit you qualify for, you are throwing money away.

  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • College Student – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% with certain companies.
  • Club Memberships – Being a member of certain professional organizations is a good way to get lower rates on auto insurance.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way. But any discount will bring down your overall premium however.

For a list of providers with the best auto insurance discounts in New Hampshire, click here.

Neighborhood insurance agents

A small number of people would rather buy from a local agent. Insurance agents can answer important questions and help file insurance claims. One of the great benefits of comparing insurance prices online is you may find the best rates and still choose a local agent. And providing support for local agencies is definitely important in Bedford.

After completing this form (opens in new window), your insurance data is immediately sent to local insurance agents who will battle for your business. You don’t have to leave your house due to the fact that quote results will go immediately to your email address. How cool is that?!

Listed below are Bedford insurance companies that may be able to provide price quote information.

  • Allstate Insurance – 178 Route 101, Bedford, NH 03110 – (603) 472-2599
  • Counterpoint Insurance – 36 S River Rd, Bedford, NH 03110 – (603) 645-8600
  • Dyer Insurance – 57 S River Rd, Bedford, NH 03110 – (603) 621-7007
  • State Farm Insurance – 6 Kilton Rd, Bedford, NH 03110 – (603) 644-2686
  • Liberty Mutual Insurance – 10 Corporate Dr # 100, Bedford, NH 03110 – (603) 472-7100
  • CESI Agency-New England Inc – 10 Chestnut Dr # E, Bedford, NH 03110 – (603) 637-1045

To view a full list of auto insurance agents in Bedford, simply jump to this page.

Picking an provider shouldn’t rely on just a low price. Here are some questions to ask:

  • Is assistance available after office hours?
  • Who is covered by the car insurance policy?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Are there any discounts that you might be missing?
  • Can glass repairs be made at your home?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • What insurance company do they write the most business with?

Once you have positive responses to all your questions and locked in a price quote, you have narrowed it down to an insurance company that is a good match to properly service your auto insurance policy.

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Additional information is located on the New Hampshire Insurance Department website located here. New Hampshire consumers can read consumer alerts, read state legal mandates and laws, and discover disciplinary actions.

The following information may also be useful.

One last thing about your coverage

We covered quite a bit of information on how to compare auto insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

Affordable auto insurance can be found online in addition to many Bedford insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to buy enough coverage at a price you can afford while still protecting your assets.