| If you live in New Hampshire and you drive a vehicle | | | | You will also need uninsured motorist coverage (UM |
| you may be surprised to learn that the state may not | | | | insurance) in the same amount as your liability |
| require that you buy car insurance at all. As long as | | | | insurance (25/50/25). Again, your lender may require |
| you have a clean driving record, the state of New | | | | you to carry more insurance. |
| Hampshire is one of just a small handful of states that | | | | You will also need to carry comprehensive and collision |
| permits its citizens to drive on its public roads without | | | | insurance. Comprehensive insurance protects your |
| purchasing car insurance. | | | | vehicle from vandalism or from "acts of God" such as |
| That doesn't mean that New Hampshire's street are | | | | hail or wind damage. Collision pays for the repair of |
| filled with uninsured drivers. Many people finance their | | | | your vehicle should it be damaged in an accident. The |
| vehicles, and lenders do insist that cars purchased with | | | | amount of each insurance that you will be required to |
| their money be fully insured. | | | | carry will vary according to the value of your vehicle. |
| And keep in mind that New Hampshire only extends its | | | | Each type of insurance has its price and its price can |
| no-insurance-needed rule to drivers with a clean driving | | | | vary depending on how much coverage is purchased. |
| record. | | | | One way to keep costs under control is to increase |
| New Hampshire drivers who have been convicted of | | | | your deductible. A deductible is the amount of money |
| DUI (Driving Under the Influence) or who have been | | | | that you agree to pay toward any claim before your |
| convicted of DWI (Driving While Intoxicated) must | | | | insurance company is asked to make any payment. |
| purchase car insurance for a minimum of 3 years if | | | | Obviously the more you are willing to pay (in other |
| they want to legally drive on New Hampshire | | | | words, the higher your deductible) then the less your |
| roadways. Any driver convicted of a second DWI or | | | | insurance company will need to pay for a claim and so |
| DUI offense will have to shell out for 5 years worth of | | | | the lower your monthly premiums will be. |
| car insurance. | | | | In order to find the best possible price on your full |
| New Hampshire also has a "point" system in place to | | | | coverage car insurance you will need to go online and |
| catch drivers who commit lesser offenses. Points are | | | | find at least three different websites that let you make |
| earned for such things as speeding and running stops | | | | side-by-side comparisons between different car |
| signs. Once you have collected sufficient points on | | | | insurance policies from different insurance companies. |
| your driving record you are then forced to buy car | | | | Don't skimp. Take your time and fill out the forms on at |
| insurance. | | | | least 3 different comparison websites. The reason for |
| If you finance a car in New Hampshire you will need to | | | | this is because no one website compares all of the |
| look for full coverage car insurance. Full coverage | | | | different insurance companies which write policies in |
| insurance includes liability insurance for a minimum of | | | | New Hampshire. So by looking at comparisons from at |
| 25/50/25. What this means is that you must purchase | | | | least 3 different websites you can feel confident that |
| liability insurance that at least covers $50,000 for | | | | you are seeing comparisons from all of the insurance |
| medical expenses for all persons involved in an | | | | companies operating in the state. |
| accident, with a maximum of $25,000 for any individual | | | | By taking the extra time to compare coverage at 3 |
| and an additional $25,000 for property damage. | | | | different sites you can feel confident that you really |
| Depending on the value of your vehicle your insurance | | | | are getting the best possible deal on your full coverage |
| company may require that you carry higher limits. | | | | car insurance in New Hampshire. |