East Coast Auto Insurance offers top rated New Hampshire auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
Unique in its laws, New Hampshire does not require proof of financial responsibility at the time of registration.
However, if you had previously been involved in an automobile accident, or you have been convicted of ‘driving under the influence’, you will be forced to carry liability insurance with the following minimums :
- $25,000 bodily injury for one person, per accident
- $50,000 bodily injury for two or more persons, per accident
- $25,000 property damage
Although not mandated by the state of New Hampshire, most financial and legal advisors will recommend insurance coverage.
New Hampshire does not tolerate drinking and driving — even for first time offenders. First-time offenders will lose their licenses for 9 months following a conviction, but the judge has the right to suspend your license for up to 2 years. Mandatory extended license suspension periods and threat of jail time helps keep New Hampshire drivers on the straight and narrow and the state has the statistics prove it.
New Hampshire is well aware of the unsettling toll inexperienced driving takes on its young population. It also knows that alcohol increases the risk of teen crashes dramatically and inexperienced nighttime driving is one of the leading causes of teen car crashes in the state. The good news is, states with nighttime driving restrictions show a crash reduction rate up to 60% during restricted hours.
At East Coast Auto, our professionally trained agents will review your financial status and provide quotes at very affordable rates, assuring your assets are fully protected in case of an accident, especially with the possibility of ‘after the accident’ lawsuits.
We are here to help you navigate through the many possibilities – so call us now 888-206-0565
What are the rules and guidelines auto insurance companies must follow regarding the use of Personal Credit History in selecting applicants and setting rates?
In the state of New Hampshire, Personal Credit History may be used to assess risk or make offers for products. Your Personal Credit History may also be used to determine whether you will be making monthly or quarterly payments or if you will be required to pay the entire premium upfront. New Hampshire auto insurance companies do not use credit history alone to figure rates. They also consider age, gender, where you live, car make and model, how much you drive, and prior insurance coverage.
Is the state a No Fault or Tort state? What does either mean to the policy owner?
The state of New Hampshire follows a Tort System. What this means is, if you are involved in an accident, someone must be found to be the cause or fault of the accident. The person deemed at fault is responsible for all damages whether they carry insurance or not. If the person has auto insurance, damages are usually handled through the at fault person’s insurance company. Because New Hampshire is a Tort state, most insurance companies recommend that driver’s consider carrying higher coverages than the state minimums.
What is the average auto insurance premium in this state? As of what year?
As of 2006, New Hampshire resident’s average insurance premium was approximately $793, the 21st most expensive in the nation. This was up 0.2 % from the previous year. The national average was $817.
Insurance will be placed with top rated companies such as:
- 21st Century
- AARP
- AIG
- Allstate
- Esurance
- Geico
- Kemper
- Liberty Mutual
- Nationwide
- Progressive
- State Farm
- Zurich