Uncover the Secrets to Cheaper Conway, NH Auto Insurance

Have you fallen victim to high-priced auto insurance? Believe me, there are many people just like you. Because there are so many different company options, it’s difficult to choose the cheapest car insurance company.

It’s a great practice to compare prices occasionally since rates are rarely the same from one policy term to another. If you had the best price on your last policy there may be better deals available now. Starting now, block out anything you think you know about auto insurance because you’re about to learn the fastest way to find better rates and still maintain coverage.

How your Conway rates are determined

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that could result in big savings.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates.
  • What type of vehicle do you drive? – The performance of the car you drive makes a big difference in determining your rates. Low performance passenger vehicles receive the most favorable rates, but other factors influence the final cost greatly.
  • Rate your vehicle for proper use – The more you drive each year the higher your rates will be. Almost all companies rate vehicles based on their usage. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance policy properly reflects the correct driver usage.
  • Do you qualify for a multi-policy discount? – The majority of companies provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to verify if the discount is saving money. Consumers may find a better deal by insuring with multiple companies.
  • Do you need those extra coverages? – There are a lot of add-on coverages that you can buy on your policy. Coverages like vanishing deductibles, towing coverage and membership fees are some examples. They may seem like a good idea at first, but your needs may have changed so get rid of them and save.
  • Where you reside plays a part – Residing in a small town can be a good thing when insuring your vehicles. Drivers in populated areas regularly have much more traffic and longer commute times. Lower population means fewer accidents.
  • With age comes lower rates – Teen drivers in New Hampshire are known to get distracted easily in a vehicle so auto insurance rates are higher. Mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.
  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both cause accidents in similar numbers, but the men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive auto insurance rates.

Cut your auto insurance rates with discounts

Car insurance can cost a lot, but you may find discounts that you may not know about. A few discounts will automatically apply at quote time, but a few must be asked for prior to getting the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • Claim Free – Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Multiple Policy Discount – When you have multiple policies with the same company you will save up to 20% off your total premium.
  • 55 and Retired – Mature drivers may qualify for a small decrease in premiums.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less than drivers with accidents.
  • College Student – Any of your kids who live away from home without a vehicle on campus may qualify for this discount.

Consumers should know that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will bring down your overall premium however.

Quote online but still have a local agent

A small number of people would prefer to talk to a local agent and that is a personal choice. Insurance agents can help determine the best coverages and help submit paperwork. The best thing about getting online price quotes is that you can obtain better rates and still have an agent to talk to. And providing support for local agencies is important especially in Conway.

After completing this short form, the coverage information is sent to participating agents in Conway who will compete for your coverage. You don’t have to visit any agencies because quoted prices will be sent immediately to your email address. Now that’s easy!

What types of insurance agencies are in Conway?

If you’re trying to find a reliable agent, you need to know there are two different agency structures from which to choose. Agents are classified as either independent or captive. While both can write coverage properly, but it’s important to know the difference between them since it may influence your selection of an agent.free Conway NH insurance quote

Independent Insurance Agents

Independent insurance agents do not work for one specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

When shopping rates, it’s a good idea to get quotes from multiple independent agents to get the best comparison.

Shown below is a list of independent agencies in Conway who can help you get price quote information.

Pike-Conway-Dahl Insurance – 290 White Mountain Hwy – Conway, NH 03818 – (603) 447-3863

Captive Agents

Captive agencies write business for a single company and examples are State Farm, Allstate and AAA. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agents are very knowledgeable on their products and sales techniques which can be an advantage.

Choosing a car insurance agent requires more thought than just the price. These questions are important to ask:

  • Is the agent and/or agency licensed to do business in New Hampshire?
  • Are they able to influence company decisions when a claim is filed?
  • Do they make recommendations based only on price?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If you have an accident, will your rates go up?
  • Is the agency involved in supporting local community causes?
  • Does the agency provide any after hours assistance?
  • What insurance company do they write the most business with?

After receiving satisfactory answers as well as a affordable price, most likely you have located an insurance agency that is a good match to service your policy.

You may need specialized coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique so this has to be addressed. These are some specific questions can help discover if you may require specific advice.

free Conway NH insurance quote

  • Can my teen driver be rated on a liability-only vehicle?
  • Will my rates increase for filing one claim?
  • Should I rate my vehicle as pleasure use or commute?
  • When do I need to add a new car to my policy?
  • When would I need additional glass coverage?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Additional consumer information websites

More information is located on the website for the New Hampshire Insurance Department. Click here for link. Consumers can file complaints about an insurance agent or broker, learn about specific coverages, learn about insurance regulations, and view agent and company licensing information.

More related Conway auto insurance information:

A tidy conclusion

As you prepare to switch companies, never buy poor coverage just to save money. There have been many cases where consumers will sacrifice physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Cheap auto insurance can be sourced from both online companies and also from your neighborhood Conway agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.