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