Tricks for Saving Money on Exeter, NH Auto Insurance Rates

Consumers who are new to price shopping insurance online can find purchasing the cheapest Exeter auto insurance nearly impossible.

You should take the time to check auto insurance prices yearly because rates are constantly changing. Even if you got the best rates last year you can probably find a lower rate today. So just forget all the misinformation about auto insurance because you’re going to get a crash course in how to quote online to find lower rates on auto insurance.

Compare Auto Insurance Today

Performing a rate comparison can take hours if you don’t understand the easiest way. You could spend the better part of a day talking about coverages with insurance companies in Exeter, or you could use the web to get the quickest rates.

All the larger companies belong to an insurance system that allows shoppers to enter their policy data once, and every company can provide price quotes based on that information. This prevents consumers from doing quote requests for every auto insurance company.

To compare pricing click to open in new window.

The only downside to using this type of system is you are unable to specify which carriers you will receive quotes from. If you would rather choose from a list of companies to request quotes from, we have a page of companies who write auto insurance in New Hampshire. Click to view list.

Which method you use is up to you, but be sure to compare the exact same information for each comparison quote. If you are comparing mixed coverages it will be impossible to decipher which rate is best in Exeter. Slightly different coverage limits can make a big difference in price. And when price shopping your coverage, having more price comparisons helps locate the best price.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving.

• Paperwork-free – A few companies give back up to $50 for buying your policy on their website.
• Government Employees – Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
• Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
• Homeowners Discount – Owning a house in Exeter may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
• Resident Student – Youth drivers who live away from home and do not have a car may be able to be covered for less.
• More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same auto insurance policy qualifies for this discount.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
• Driver Safety – Taking part in a course in driver safety could cut 5% off your bill if you qualify.
• Service Members Pay Less – Being deployed with a military unit can result in better rates.

Keep in mind that most discounts do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, companies don’t profit that way.

More tips and info about auto insurance can be read at the New Hampshire Insurance Department website. Consumers can read state legal mandates and laws, find disaster information, read enforcement actions against agents and companies, and find out which companies have the most complaints.