The state of New Hampshire gives you a break if you are a good driver by not making you buy car insurance. New Hampshire is one of only a few states that does not require good drivers to have car insurance.
If you get a loan to buy your car, the company that gave you the loan has every right to make you buy car insurance. Keep in mind, though, that you are not required to buy car insurance from any specific company.
You can also be forced to buy car insurance in New Hampshire in other ways. For example, since only good drivers don't have to buy car insurance, it makes sense that bad driving is a surefire way to make sure you have to pay for car insurance.
If you are found guilty of DWI or DUI (Driving While Intoxicated or Driving Under the Influence), you have to buy car insurance for at least 3 years. If you are found guilty of either of these two crimes a second time, you will have to buy car insurance for 5 years.
"Points" can also be earned. Points aren't something good. If you get enough points, you'll have to buy at least a year's worth of car insurance, too. Depending on your age, you need a different number of points to fall into the "needs car insurance" category.
You can get points for driving carelessly, going too fast, running stop signs, and other similar things.
All of this adds up to the fact that more than half of the people in New Hampshire buy car insurance, even though the state does not require good drivers to do so.
So, it's likely that a lot of people in New Hampshire are looking for ways to keep their car insurance costs as low as possible each month.
Start by having a good record as a driver. Your car insurance rates will skyrocket and stay in the stratosphere for a long time if you get a DWI or DUI, get a speeding ticket, or do something else like that.
Young drivers should try to stay in school and get good grades until they are at least 25. Most of the time, students with a grade point average of at least "B" can get a discount on their car insurance.
A lot of older drivers also have to pay more for car insurance. If you think you fit this description, you should talk to your car insurance agent about taking a special driving class for older drivers (55 and up). Not every insurance company has this option, but a lot of them do. If you pass this course, your monthly premiums could go down by up to 10%.
Don't pay for collision or comprehensive insurance if your car is old, beat up, or worth little or nothing. Even if you buy insurance, your insurance company probably won't pay to fix your car if it doesn't have a Kelly Blue Book value.
Lastly, it's time to go online and find at least 3 websites that let you compare cheap car insurance in New Hampshire. Take the extra time to fill out the form on at least 3 different sites. That way, you can be sure that you're getting quotes from all of the insurance companies in New Hampshire, and you'll be able to get cheap car insurance in New Hampshire with full confidence.
