Only a few states do not require their residents to have car insurance. New Hampshire is one of those states. At least good drivers in New Hampshire don't have to buy any kind of car insurance.
Even though the state of New Hampshire does not require good drivers to buy car insurance, the truth is that well over half of all New Hampshire residents do buy car insurance for a variety of reasons.
Why?
First of all, a lot of people who buy cars pay for them with loans. If you pay a monthly car payment, which means you financed your car, the lien holder will require you to buy liability, collision, and comprehensive car insurance. Some lien holders will also require uninsured motorist coverage.
In New Hampshire, only good drivers are allowed to drive without insurance, and only in cars that are paid off. If you're found guilty of Driving Under the Influence (DUI) or Driving While Intoxicated (DWI), you'll have to buy three years of liability car insurance right away. If you get a second conviction, you will have to pay for liability for five years.
In New Hampshire, there is also a system of "points" that can make you have to buy liability car insurance. Points are added to your record if you get a ticket for speeding, run a stop sign or red light, don't listen to a police officer, drive on a sidewalk, or do something else wrong. Your age determines how many points you need to get before the state forces you to buy liability car insurance.
But the question still stands: how can I get cheap car insurance in New Hampshire?
Keep your driving record clean to start. If you are found guilty of DWI or DUI, your insurance rates will go through the roof.
Increasing your deductible is one of the most dramatic things you can do to lower your car insurance rates. The deductible is the amount of money you agree to pay out of your own pocket before your insurance company has to pay anything. When you have a high deductible, your insurance company pays less, so it charges you less for your premiums.
Next, go online and find two or three sites that let you compare car insurance policies from different companies. Fill out the information on at least two of these comparison sites, and you should be able to get cheap car insurance and feel confident that you've found the best rate for you and your situation in all of New Hampshire.
