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