Consumer Tested Strategies for Comparing Cheaper Bedford New Hampshire Auto Insurance
Tired of paying out the nose to buy car insurance? You are no different than millions of other consumers. With so many online and local companies to choose from, it can be hard to find the lowest price insurer.
It’s a good habit to do rate comparisons every six months because rates fluctuate regularly. If you had the best deal six months ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance on the web, but by reading this article, you’re going to learn some tested techniques to slash your auto insurance rates.
This article will let you in on the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will be able to save some money using this information. New Hampshire consumers just need to learn the best way to shop their coverage around online.
Vehicle Insurance Comparison
Lowering your auto insurance rates is actually quite simple. The only thing you need to do is take time to get quotes from different insurance companies. This can be accomplished in several different ways.
- The fastest way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing a different quote for every auto insurance company. Taking the time to complete one form will get you price quotes .
- A more difficult way to find lower rates requires a trip to each company website and complete a new quote form. For example, we’ll pretend you want comparison quotes from Liberty Mutual, Safeco and GEICO. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in Bedford, click here.
Whichever method you choose, make darn sure you compare identical coverage limits and deductibles for every company. If your comparisons have different deductibles you can’t possibly determine the lowest rate in Bedford.
You probably qualify for some discounts
Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but some must be asked about before you get the savings. If you don’t get every credit available, you’re just leaving money on the table.
- More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
- Paperwork-free – A few companies will give a small break simply for signing over the internet.
- Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
- Discount for Life Insurance – Some companies give a discount if you purchase life insurance.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
- Student in College – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Drivers should understand that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will cut the amount you have to pay.
Additional information is available on the website for the New Hampshire Insurance Department located here. New Hampshire consumers can find out industry alerts, read industry bulletins, and read enforcement actions against agents and companies.
The following information may also be useful.