As the largest city in New Hampshire, Manchester is a tremendous place to live. The Queen City has a thriving, growing economy, but it's also a fairly inexpensive place to live, especially compared to other East coast cities like Boston and New York. However, despite the low cost of groceries and rent, many drivers in the city have trouble budgeting for the occasionally high cost of Manchester car insurance. This is usually because policy holders don't question the rates that they're given by insurers. By looking into your policy, it's often possible to pay far less for car insurance and reduce the overall cost of owning a vehicle in the city.
There are a number of unique factors that affect Manchester car insurance quotes. The first is the insurance law in the state of New Hampshire. New Hampshire is a bit of an odd state in terms of its insurance law. Compulsory liability insurance isn't required, though drivers must be able to pay for damages that they cause in an accident. New Hampshire recommends 25/50/25 insurance, which means $25,000 in bodily injury liability for up to $50,000 per accident and $25,000 in property damage liability, but even these levels are a bit low considering the cost of a major accident. The exact amount of coverage that you need will vary depending on your vehicle and driving habits, but you should remember that the purpose of insurance is to protect you financially. Buy sufficient coverage, or you could regret it in the future.
The good news is that New Hampshire does have lower than average car insurance costs relative to the rest of the country, and Manchester auto insurance quotes are exceptionally low compared to other cities. Traffic does drive up rates in many Manchester zip codes, but drivers can overcome these increases. Defensive driving discounts can make a big difference; by taking a quick class, it's possible to improve your record, which inevitably leads to better rates.
However, nothing will affect the cost of your car insurance policy more than smart comparison shopping. Every driver should look at several accurate car insurance quotes before making a decision, regardless of where they live, what vehicles they drive, and any other factors. By looking at a few quotes, it's much easier to make a knowledgeable decision about how much coverage you need and what you should be paying for your policy. We offer a free online quote tool that makes it a simple matter to get several accurate quotes quickly by entering a zip code, and it's an indispensable resource for all Manchester drivers.