Affordable Car Insurance Auto Insurance New Hampshire - Compare Rates

New Hampshire by law does not require you to have car insurance, but you must exhibit the fact that you will be able to meet the New Hampshire Motor Vehicle Responsibility if you are involved in an accident.

However buying insurance is always a better option as you can also buy coverage for yourself, your family and your car. When you decide to buy insurance, you will have to follow the State requirements.

The minimum that is required for you to buy is often referred to as 25/50/25.

This will include $25,000 per person and $50,000 per accident for bodily injury. The bodily injury liability coverage will pay for the medical costs of the victims in an accident in which you were at-fault.

The remaining $ 25,000 is for property damage, which will be useful if you damage property of others involved in the accident. A car or even a mail box or a tree can be considered as property for the purpose of this coverage.

When you buy auto insurance, the State makes it compulsory for you to buy Uninsured Motorists Coverage. This coverage will be useful when the at-fault driver is not insured or you are involved in hit and run accident. The minimum liability for this coverage is same as the bodily liability coverage.

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All this coverage won't be useful if you are not at-fault in an accident, for that you will have to buy Collision and Comprehensive coverage.

Collision coverage will pay for the damages due to a collision with any other car or object.

The comprehensive coverage will pay for all the damages other than collision.

If you buy insurance for your personal use, then State requires you to buy Medical Payments Coverage which will cover your medical expenses regardless of who is at-fault. The minimum here is $ 1,000.

So after you decide which policy to buy, you can go online and get quotes from several companies. Using the internet will help you save time.

Don't forget to ask for discounts from your insurer.

You can avail a lot many discounts like:
>> Good student discount (if you maintain a GPA of 3 and above)
>> Good driver discount (if you have not received any ticket or convicted for a DUI for a stipulated time period)
>> Discounts for installing safety devices in your car
>> Discounts for drivers with more than 55 years of age.

All the best for shopping!!

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