New Hampshire Auto Insurance
With the risk and expense of car accidents mounting yearly, driving without New Hampshire auto insurance just doesn’t make sense.
You can get the right protection at the right price! InsureMe created our New Hampshire auto insurance shopping service just for you—and we can find the policy you need at a price you can afford. Just submit your information in our quote box, and we’ll find up to five New Hampshire auto insurance agents ready to compete for your business.
Don’t take any chances with your car—or your life. Contact InsureMe today!
Common Questions about New Hampshire Auto Insurance
“Do I HAVE to have insurance to drive my car?”
No. But if you chose not to purchase New Hampshire auto insurance, you must be able to show proof of sufficient assets to pay any claims on your own if you cause an accident. This is referred to as financial responsibility.
If, like most New Hampshire residents, you do not have considerable resources from which to pay for damages you may cause others, you should seriously consider buying a New Hampshire auto insurance policy.
“How much insurance do I need to buy?”
- Liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage
- $5,000 in medical payments coverage
- Uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.
- Liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage
- $5,000 in medical payments coverage
- Uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.
- Liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage
- $5,000 in medical payments coverage
- Uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.
- Liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage
- $5,000 in medical payments coverage
- Uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.
The minimum amounts you must purchase, according to state law, include:
- Liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage
- $5,000 in medical payments coverage
- Uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.
“How do New Hampshire auto insurance companies set rates?”
The price you pay for your New Hampshire auto insurance premiums is decided by the behavior of the state’s drivers as a whole. Insurers take the total cost of insuring all drivers and divide it up amongst the entire pool.
However, costs are NOT spread out evenly. The percentage you pay of this total amount for your New Hampshire auto insurance depends on things like your driving record, where you live, your age and the kind of car you drive.
Not all New Hampshire auto insurance companies compute premiums in the same manner, however. So you may be quoted several different rates on the exact same coverage. Be sure to shop around and get several quotes before deciding on any particular policy.
“What should I look for in an auto insurance policy?”
Shopping for New Hampshire auto insurance can be a time-consuming process. But knowing what to look for and what to ask can make that search much more efficient.
Following are some tips to help you:
- Shop carefully. Comparison shop between different agents and policies, obtaining several quotes.
- Fill out your application completely and accurately. Misrepresentations and omissions are considered fraud, and can be prosecuted under New Hampshire state law.
- Find a reliable agent. Look for an agent who is licensed, reliable and helpful.
- Understand what you are buying. Ask for details and explanations of anything you don’t understand. Do NOT sign anything until you understand the policy completely.
- Do not accept high-pressure tactics. Report harassment by insurance companies or agents to the New Hampshire Department of Insurance.
- Do not be misled by advertising. You are the only one who can determine if a particular insurance policy is right for you.
“How do I file a claim if I need to?”
If you need to file a claim against your New Hampshire auto insurance, the I.I.I. recommends following these steps:
- Call your insurance agent right away, regardless who is at fault. Your insurance agent can tell you whether or not you are covered for this particular loss.
- Ask your agent or company representative how to proceed and what forms or documents are needed to support your claim.
- Supply all requested information, fill out all forms carefully, and keep copies of any accident-related bills and records of any and all correspondence.
- Find out if there is a time limit for filing your claim and submitting bills; whether or not you need to get repair estimates for your car; and when you can expect to hear from your insurance company regarding your claim.
- If you have any questions, contact your New Hampshire auto insurance agent or company, or call the New Hampshire Department of Insurance at 800-852-3416.
“Who can I ask if I have more questions?”
For more questions about New Hampshire auto insurance, talk to a licensed state insurer, or contact the New Hampshire Department of Insurance at 800-852-3416. You can also reach the department online at www.state.nh.us/insurance.
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