When it comes to cutting expenses, many people look toward their auto insurance policy as a way to save money. At Eaton & Berube, we love saving our clients money, but as their agents, it is also our duty to ensure that they still have a sufficient amount of auto insurance coverage. If you’re looking for cheap car insurance in New Hampshire, review the following tips and then give us a call at 603-882-2766 or submit our online quote form to get free comparative quotes.
Understand Your Liability Limits
When looking for the right car insurance coverage, it’s crucial to understand what your liability limits mean, and to select ones that will provide you with adequate coverage. If you have an auto policy with liability limits of 100/300/50, this means that you have $100,000 worth of bodily injury coverage per person, $300,000 in bodily injury coverage per accident, and $50,000 worth of property damage coverage per accident. Many states, like New Hampshire, have minimum liability limits of 25/50/25; selecting these limits can lower your car insurance rate, but it can also leave you vulnerable to substantial risk.
Know Your Vehicle’s Value and Select the Right Collision & Comprehensive Deductibles
Collision coverage, which covers damage to your vehicle when it hits or is hit by another vehicle or object, typically has a deductible of $250 to $1,000. Comprehensive coverage, which covers damage to your vehicle that results from incidents other than collisions, usually has a $250 deductible. Choosing a higher deductible will lower your premium, but it’s important to remember that the higher your deductible is, the more you will pay out of pocket in the event of a claim. When selecting your deductibles, one thing that’s important to take into consideration is your vehicle’s value, as your policy will not pay for repairs that exceed the value of your car. For this reason, some drivers fore-go purchasing collision and/or comprehensive coverage altogether.
Work with an Agent Who Won’t Miss Credits that Will Score You Savings
To score cheap car insurance in New Hampshire that won’t come at the expense of adequate coverage, work with an independent insurance agent who will take the time to learn about your lifestyle and ensure that you receive all of the car insurance discounts for which you qualify. Are you a good student? Have a clean driving record? Drive a vehicle with safety features like airbags and anti-lock brakes? Have an anti-theft device installed? Drive only several thousand miles per year? Answering “yes” to any of these questions could help you lower your car insurance rates without sacrificing your coverage.
Although we prefer the term “affordable,” at Eaton & Berube, our agents will work with our various insurance company partners to help you find the cheapest car insurance in New Hampshire that still provides you with the coverage you need. Serving New Hampshire drivers for more than 70 years, you can rest assured that we will not miss credits that could save you money on your car insurance. In addition to Nashua where our office is located, we are pleased to serve Hudson, Hollis, Brookline, Litchfield, Amherst, Merrimack, Bedford, Milford, Manchester, Concord, Goffstown, Derry, Salem, Londonderry, Windham, Wilton, Mont Vernon, and all of New Hampshire. If you are looking for cheap car insurance in New Hampshire, call us today at 603-882-2766 or submit our online quote form to get free comparative quotes.