Whenever you have just moved to New Hampshire, or even if you’re a long time resident, knowing the state’s car insurance laws will help you make an educated decision on the type of auto insurance policy you need. CarInsuranceQuotes.com can make the daunting task of shopping for a car insurance policy as easy as possible for our customers in New Hampshire and across the nation. CarInsuranceQuotes.com shops our online partners to find the lowest possible car insurance quotes so our customers can choose the policy that suits both their needs and their budget.
New Hampshire Car Insurance Requirements
Unlike most other states, New Hampshire is one of only a few that does not require its residents to maintain a liability policy for their vehicles. Liability coverage covers damages to the other driver’s vehicle and any medical expenses they may incur from an accident in which the insured driver is at fault. It is important to note that while the state of New Hampshire doesn’t require liability coverage, most finance companies do, so if your vehicle is financed you should become familiar with their insurance coverage requirements.
Because liability coverage is not required in New Hampshire, the state has made Uninsured Motorist protection mandatory for all New Hampshire drivers. Uninsured Motorist coverage pays for damages to the insured’s vehicle and any medical expenses when the other driver is at fault and fails to provide adequate insurance coverage or if the insured’s vehicle is damaged during a hit and run.
Though it is not a requirement, it is also strongly recommended that all New Hampshire motorists carry Comprehensive and Collision for their vehicles. In the event that the insured person is responsible for the accident or the other driver’s car insurance policy is insufficient to cover the damages, Comp and Collision will take up the slack, as well as cover damages to the insured’s vehicle if it damaged wildlife or other acts of nature.
The average cost of insurance premiums for New Hampshire motorists fell 2.4% from $1650 in 2006 to $1611 in 2007, keeping it well below the national average of $1896. Car insurance premiums can account for a large chunk of a family’s monthly budget. While New Hampshire drivers pay less on average than many other states, the actual cost of the individual driver’s car insurance policy relies on many variants such as the individual’s driving record, credit history and the type of vehicle own. CarInsuranceQuotes.com understands how important it is to save money for our New Hampshire customers and that is why CarInsuranceQuotes.com has partnered with reputable car insurance companies to find the lowest possible car insurance quotes online.
And getting the quotes is fast, easy and best of all, free. After entering their Zip code and answering a few general questions about their driving history, CarInsuranceQuotes.com will search our online partners and come back in a matter of seconds with multiple New Hampshire car insurance quotes for our customers to choose from. The entire process takes less than five minutes, allowing our customers to move on to other important aspects of their day.