Cheap Auto Insurance for State Employees in New Hampshire

Deciding which company has the cheapest insurance rates for state employees takes a tad more effort than just picking a company at random. Every insurance company used slightly different criteria to set premium rates, so we’ll take a look at the lowest cost insurance companies in New Hampshire.

It’s important to understand that New Hampshire insurance rates are determined by lots of factors which can substantially change the cost of a policy. Improving your credit rating, increasing liability limits, or getting a driving violation can trigger price changes that can make some companies cheaper than others.

Cheap Insurance Rates in New Hampshire

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Concord normally has some of the most affordable car insurance rates in New Hampshire at around $691 a year. Travelers, Patriot, USAA, and Amica also qualify as some of the cheaper New Hampshire auto insurance companies.

In the rate table above, if you currently have a policy with Travelers and switched to Concord, you could realize an annual premium reduction of in the vicinity of $11. Customers with Patriot might save as much as $105 a year, and USAA customers might cut rates by $163 a year.

These policy prices are averages across all types of insureds and vehicles and and are not figured with a rate discount for state employees. So the car insurance company that can offer the best rates for your situation may not even be shown in the above list. That points out the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.

The car, truck, or SUV you are insuring is one of the primary factors when quoting cheap auto insurance for state employees in New Hampshire. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost more to insure than more economical and safe models. The next lists estimates insurance premiums for the cheaper automobiles to insure in New Hampshire.

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific New Hampshire garaging location which can decrease or increase insurance rates noticeably.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rates do not factor in specific garaging location which can revise coverage rates substantially.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific location which can affect auto insurance rates noticeably.

For New Hampshire drivers, one of the things that determine insurance cost is your zip code. Areas with more people or higher crime rates like Manchester, South Hooksett, and Derry tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The table below ranks the more expensive cities in New Hampshire for state employees to buy auto insurance in.

Table data uses comparative as vehicle location can decrease or increase insurance rates greatly.

Buying coverage from the best auto insurance company can be challenging considering how many choices you have in New Hampshire. The company information below may help you pick which car insurance companies you want to consider purchasing a policy from.

These rankings include the companies with a significant amount of written premium nationwide, so smaller regional companies will not be included in these rankings. To get rate quotes from these top-rated insurers and more, just click here.

Top 10 Large Auto Insurance Companies in New Hampshire Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. State Farm – 87%
6. Travelers – 87%
7. USAA – 87%
8. Safeco Insurance – 86%
9. AAA Insurance – 86%
10. American Family – 85%

How to find more affordable insurance for state employees

Here are many thrifty ideas that can help New Hampshire drivers get cheap coverage.

• Just one traffic violation will increase your rates
• Drivers with good credit often pay less
• Avoid preventable accidents
• Raise deductibles to save money
• Frequent claims will increase rates
• Save money by bundling your home and auto policies
• Compare rates and switch if you can find a better deal

The last tip is highly critical, as was pointed out in this piece. Prices charged by car insurance companies vary considerably, so drivers shouldn’t be resistant to buy a policy from a new company if you find a better deal.

Many drivers have brand loyalty and that’s fine, but it’s not a good idea if it’s costing you money that could be spent on other things. If you have a few minutes, now is a great time to shop around to find cheaper auto insurance for state employees.

Who has the cheapest insurance quotes for state workers?

Due to technology, there are many ways to shop around for insurance in New Hampshire, but the most preferred ways are through a captive (or exclusive) agency like Liberty Mutual or Allstate, an independent insurance agent, or from a direct company like Geico or Progressive. All three ways are similar, but insurance shoppers should know the differences in how they function.

Independent insurance agencies write for multiple companies and can provide price quotes from each one. These types of agents can sell policies from many different companies and can give you a larger rate selection, which may provide you with a better chance of finding cheaper coverage. If they quote lower rates, your policy can be easily switched to a new company which makes it easier to save money.

Exclusive agents are limited to one company, two popular examples being Allstate or State Farm agents. Exclusive agencies are unable to place coverage with different providers, so always compare other rates.

Opting to purchase insurance direct means you forego local insurance agents and buy direct online or over the phone from a company like Esurance or Progressive. Shopping direct can be a good choice for families who have limited assets and know what specific coverages they need.

Which method works best to buy cheap auto insurance for state employees in New Hampshire? It would be premature to say buying direct results in the best prices since there isn’t an agent involved, but unfortunately, it’s not that cut and dried. A good argument could also be made that an independent agency results in the best rates due to more options, but again, that’s not a true statement. In many circumstances, exclusive agencies have extremely competitive rates well below independent agents AND direct companies.

Because there is so much variation in insurance prices, the best way to get rock-bottom rates is to obtain price quotes and compare them. To cover all the bases, get price quotes from independent, exclusive, and direct in order to find the best price. For a list of companies offering online discounts in New Hampshire, click here to view.