5 Discounts Hooksett Consumers Miss when Buying Auto Insurance Online

Saving money on Hooksett auto insurance can seem to be hard for consumers new to buying insurance online. Consumers have so many options that it can turn into a challenge to compare prices in Hooksett.

It’s smart to take a look at other company’s rates yearly because insurance rates change regularly. Just because you found the lowest rates on your last policy there may be better deals available now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.

Free Quotes for Auto Insurance in Hooksett, New Hampshire

Getting a cheaper price on insurance can be surprisingly simple. Just take a few minutes comparing rates from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This method prevents you from having to do repetitive form submissions for each company you want a rate for. One form will get you price quotes . This is by far the quickest method.
A different way to shop for auto insurance online is to manually visit the website for every company you want to comare and complete a new quote form. For example, let’s assume you want to compare rates from GEICO, 21st Century and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.
For a list of links to companies insuring cars in Hooksett, click here.
The hardest way to get comparison rates is to drive around to different agent offices. The ability to buy insurance online makes this process obsolete unless you require the personal advice of a licensed agent. It is possible to find lower rates online and get advice from an agent in your area and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make sure you use apples-to-apples information for every quote you compare. If each company quotes different limits and deductibles on each one you will not be able to decipher which rate is best in Hooksett.

These 5 discounts can lower your rates

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so we break down some of the more common as well as the least known auto insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

Accident Forgiveness – A few companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Fewer Miles Equal More Savings – Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when buying auto insurance.

Keep in mind that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To choose insurers offering auto insurance discounts in Hooksett, click this link.

What happened to insurance agents?

A small number of people would rather buy from a local agent and there is nothing wrong with that. Licensed agents can help determine the best coverages and help you file claims. The biggest benefit of comparing insurance prices online is the fact that you can find better rates but also keep your business local.

After filling out this simple form, your insurance data is submitted to agents in your area who will give you bids for your coverage. You never need to drive around due to the fact that quote results will go straight to your inbox. Now that’s easy!

Picking an insurance company shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:

Which members of your family are coverage by the policy?
How much will you save each year by using a higher deductible?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
How many years of experience in personal lines insurance coverages do they have?
If you have an accident, will your rates go up?
If your car is totalled, how to they determine the replacement cost?
Do they assist clients in filing claims?
Did they already check your driving record and credit reports?

Two different types of auto insurance agents

When researching a reliable agent, you must know there are a couple types of agencies from which to choose. Insurance agencies in Hooksett can either be independent (non-captive) or captive. Both do a good job, but it’s good to learn the differences since it may influence the type of agent you choose

Captive Insurance Agents

Captive agencies write business for a single company like Liberty Mutual, State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable in insurance sales which can be an advantage. Some consumers prefer to purchase coverage from captives mostly because of loyalty to the company and solid financial strength.

The following are Hooksett captive insurance agents who can help you get comparison quotes. save money in Hooksett

Allstate Insurance – 1345 Hooksett Rd – Hooksett, NH 03106 – (603) 629-9030

Independent Insurance Agents

Independent insurance agents are not locked into one company but instead can place your coverage with lots of companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent. When comparing rates, you should always include price quotes from several independent insurance agents to get the best comparison.Most can insure with lesser-known insurance companies which may provide better rates.

Listed below is a list of independent agencies in Hooksett who can help you get rate quotes.

Rene C Le Clerc Insurance – 1100 Hooksett Rd – Hooksett, NH 03106 – (603) 668-0009
Gosselin Insurance – 1461 Hooksett Rd # 4 – Hooksett, NH 03106 – (603) 647-1988

For a full directory of insurance agents in Hooksett, visit this site.

Once you have received good answers to any questions you have and a good coverage price, you may have just found an insurance agent that is a good match to provide auto insurance coverage.

More tips and info about auto insurance can be found at the New Hampshire Insurance Department website. Visitors are able to view agent and company licensing information, read state legal mandates and laws, report car insurance fraud, and view a list of available companies.

What auto insurance coverages do you need?

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from getting keyed, rock chips in glass, vandalism and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your vehicle.

Since many New Hampshire drivers carry very low liability coverage limits (New Hampshire limits are 25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Auto liability – Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford. New Hampshire requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying more coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for X-ray expenses, prosthetic devices, chiropractic care and funeral costs. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverages – This coverage covers damage to your vehicle resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Do the work, save more money

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Drivers switch companies for a variety of reasons including high rates after DUI convictions, denial of a claim, delays in responding to claim requests or even high prices. It doesn’t matter what your reason, finding a new company can be less work than you think.

Cheap auto insurance is attainable from both online companies as well as from independent agents in Hooksett, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.