Car Insurance in Derry – 9 Discounts You Might be Forgetting

Finding lower rates for Derry car insurance can seem to be difficult for people who are new to comparing rates online. Drivers have so many options that it can turn into a real challenge to find the best price in Derry.

If you are paying for car insurance now, you will be able to save some money using these methods. The purpose of this article is to tell you the most effective way to quote insurance and some money-saving tips. Although New Hampshire vehicle owners can benefit from knowing the way insurance companies determine prices and apply this information to your search.

Don’t pay full price with these nine discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be requested specifically before you get the savings.

• Military Discounts – Having a deployed family member could mean lower rates.
• Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
• Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings on car insurance.
• Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
• Distant Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
• Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
• Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
• No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
• Senior Citizens – Mature drivers can possibly qualify for better car insurance rates.

It’s important to understand that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, you’re out of luck. But all discounts will cut the amount you have to pay.

To see a list of insurance companies who offer car insurance discounts in Derry, follow this link.

Finding Car Insurance Deals in Derry, NH

All the larger car insurance companies allow you to get insurance quotes online. Getting quotes doesn’t take a lot of time as you just type in into a form. Behind the scenes, the system requests reports for credit and driving violations and returns a price.

This makes comparing rates easy, but the process of having to visit multiple sites and enter the same data into a form gets old quite quickly. But it’s very important to have as many quotes as possible in order to get lower prices.

A less time-consuming method to lower your car insurance bill is to use a quote form to obtain quotes from a lot of companies. It saves time, eliminates repetitive work, and makes rate comparisons much simpler. After sending the form, your coverage is rated and you can choose any of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.

To find out what other companies charge, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you copy the insurance coverages just like they are on your policy. Doing this guarantees you will be getting an apples-to-apples comparison using the exact same coverages.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether you might need professional guidance.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-85.jpg" alt="Derry insurance quotes” />

• Am I covered if I crash into my own garage door?
• Do I need higher deductibles?
• I don’t drive much so do I pay less?
• Is business equipment covered while in my vehicle?
• Does my vehicle qualify for pleasure use?
• Do I have coverage for damage caused while driving under the influence?
• If my vehicle is totaled, can I afford another vehicle?
• Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your policy

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like prosthetic devices, rehabilitation expenses, dental work, pain medications and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Liability coverages – Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, repair costs for stationary objects, medical services and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford. New Hampshire state minimum liability requirements are 25,000/50,000/25,000 but drivers should carry more liability than the minimum.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (25/50/25 in New Hampshire), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision insurance will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Quote more, save more

We’ve covered a lot of tips how to lower your car insurance rates. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from the least-expected company.

Cheap car insurance is attainable online and also from your neighborhood Derry agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide online quoting and these regional insurance providers work with independent agents.

Drivers switch companies for a number of reasons such as delays in paying claims, delays in responding to claim requests, policy cancellation and policy non-renewal. Regardless of your reason for switching companies, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

Find out more about car insurance

Additional car insurance information is available on the New Hampshire Insurance Department website through this link. New Hampshire drivers can file complaints about an insurance agent or broker, learn about insurance regulations, and get help finding coverage.

Other useful links include this resource for New Hampshire car insurance prices and this link where you can get more info about Derry car insurance.