If you are a good driver the state of New Hampshire rewards you by not requiring that you purchase car insurance. New Hampshire is one of just a very select number of states that does not require its good drivers to purchase car insurance.
Naturally, if you finance your car then the institution which made your car loan has every right to force you to purchase car insurance. Keep in mind, however, that you are not required to purchase any particular car insurance from any particular carrier.
There are other ways in which you can be forced to purchase car insurance in New Hampshire. For example, since only good drivers are exempt from the requirement to purchase car insurance, it stands to reason that bad driving is a sure way to guarantee that you are forced to pay for car insurance.
A conviction for DWI (Driving While Intoxicated) or a DUI (Driving Under the Influence) conviction forces you to purchase a minimum of 3 years of car insurance. If you are convicted a second time for either of those two offenses you can count on purchasing 5 years of car insurance.
You can also collect “points”. Points are not a good thing. Collect enough points and you, too, will be required to purchase at least 1 year’s worth of car insurance. The number of points needed to get into the “requires car insurance” category varies with age.
You can earn points for such things as reckless driving, speeding, running stop signs and the like.
What all of this means is that more than half of the people in New Hampshire end up purchasing car insurance even though the state does not require that their good drivers do so.
So it is likely that a good percentage of the population of New Hampshire is looking for ways to keep the monthly cost of their car insurance as low as possible.
Start by keeping a good driving record. Those DWIs and DUIs that I spoke of earlier, as well as speeding tickets and other such offenses will cause your car insurance to rates to skyrocket and to stay in the stratosphere for quite some time.
Young drivers should stay in school and concentrate on getting good grades until at least age 25 if possible. Students with at least a “B” grade point average generally qualify for a Good Student Discount on their car insurance.
Many older drivers are forced to pay more for their car insurance as well. If you feel you fall into this category you need to talk to your car insurance agent about taking a special driving class for older (55 and older) drivers. Not all insurance companies offer this option, but many do. Passing such a course can reduce your monthly premiums by as much as 10%.
If you have an older car or a beat up car with little or no real value then do not pay for collision or comprehensive insurance. Unless your vehicle has a Kelly Blue Book value your insurance company probably won’t pay to have your vehicle repaired even if you buy the insurance.
Finally, it’s time to look online and find at least 3 different websites that let you compare cheap car insurance in New Hampshire. Take the extra time and fill out the form on at least 3 different sites; that way you can feel confident that you are seeing quotes from all of the insurance carriers in New Hampshire and you’ll be able to get cheap car insurance in New Hampshire with total confidence.