How Much are Auto Insurance Quotes for Low Mileage Drivers in New Hampshire?

One of the key considerations that aid in calculating the amount you pay for auto insurance is your address. Areas that are densely populated or have higher claim frequency like Manchester, Pinardville, and Hudson tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The next table displays the most costly cities in New Hampshire for low mileage drivers to purchase a policy in.

Prices are estimated as specific New Hampshire garaging address can change price quotes substantially.

The vehicle model you are trying to insure is one of the primary factors that determines whether or not you find affordable car insurance for low mileage drivers. Vehicles with more horsepower, a lack of safety features, or a track record of large liability claims will cost much more to insure than more modest models.

The data below showcases car insurance costs for a handful of the most budget-friendly vehicles to insure.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in zip code location which can decrease or increase insurance rates greatly.

Based on these rates, you can presume that makes and models like the Ford Escape, Chevrolet Traverse, Honda CR-V, Toyota Camry, and Chevrolet Malibu should be a few of the most budget-friendly vehicles to insure for infrequent drivers.

Discounts on cheap car insurance for low mileage drivers in New Hampshire

Insurance companies that provide coverage for low mileage drivers may provide price discounts that may potentially lower prices by as much as 35% if you meet eligibility requirements. The best insurance companies and the discounts they provide are detailed below.

• State Farm offers premium reductions for multiple autos, Drive Safe & Save, good driver, driver’s education, multiple policy, safe vehicle, and defensive driving training.
• Nationwide offers discounts for accident-free, family plan, Farm Bureau membership, anti-theft, multi-policy, good student, and easy pay.
• GEICO includes discounts for membership and employees, defensive driver, driver training, air bags, five-year accident-free, anti-theft, and multi-vehicle.
• AAA policyholders can earn discounts including multi-car, anti-theft, good student, multi-policy, and education and occupation.
• 21st Century may include discounts for air bags, anti-lock brakes, defensive driver, driver training, and good student.
• The Hartford offers discounts including driver training, air bag, bundle, vehicle fuel type, and good student.

The example below shows the difference between car insurance costs with and without some available policy discounts. The costs are based on a female driver, no violations or accidents, New Hampshire state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, multiple vehicle, safe-driver, vehicle safety, homeowner, and multiple policy discounts applied. When drivers qualify for the discounts, the the amount saved on insurance for low mileage drivers is 27% or $394.

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Careless drivers pay higher rates

In a perfect world, the ideal way to obtain good insurance rates in New Hampshire for infrequent drivers is to be a careful driver and not get tickets or have accidents. The information below demonstrates how citations and accident claims raise insurance prices for different categories of driver ages. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2005,2601,3219],[‘Age 30’, 1403,1999,2615],[‘Age 40’, 1389,1989,2599],[‘Age 50’, 1219,1815,2429],[‘Age 60’, 1161,1759,2371],[‘Age 70’, 1257,1857,2467]]);var options = {title: ‘Impact of Violations and Accidents on New Hampshire Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New Hampshire’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of car insurance per year with no accidents or violations is $1,406. Add in two speeding tickets and the average cost jumps to $2,003, an increase of $598 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of insurance for low mileage drivers increases to an average of $2,617. That’s an increase of $1,211, or $101 per month, just for not driving safely!

How to find budget-friendly insurance for low mileage drivers

Lowering your rates is not difficult, and here are a few money-saving suggestions that can help you quote cheap car insurance.

• Avoid filing excessive claims
• Get cheaper liability coverage by choosing a safer vehicle
• Buying car and homeowners insurance together can save money
• Avoid speeding and other traffic citations and pay less
• Accidents can significantly increase rates
• Compare rates often to find the best deal

The last item on the list is particularly significant, as was affirmed in this write-up. Car insurance rates can be changed at any time, so don’t hesitate to buy from a new company if a cheaper price is available.

Many drivers have brand loyalty and that’s fine, but we do not recommend it if that loyalty results in overpaying money that could be going to better use. If you have a few minutes, now is a great time to shop around to find cheaper insurance for low mileage drivers.