The car, truck, or SUV to be insured is one of the biggest factors when quoting cheap car insurance for veterans in New Hampshire. Vehicles with limited speed and performance, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models. The information below outlines coverage prices for a selection of the cheapest vehicles to buy insurance for.
Make, Model, and Trim Level | Estimated Cost for Full Coverage |
---|---|
Honda CR-V LX 2WD | $331 |
Toyota Prius | $368 |
Ford Escape XLT 2WD | $375 |
Ford Focus S 4-Dr Sedan | $385 |
Toyota RAV4 Limited 2WD | $393 |
Chevrolet Traverse LT 2WD | $398 |
Subaru Outback 2.5I Premium | $400 |
Volkswagen Jetta S 2.5 Station Wagon | $412 |
Honda Odyssey LX | $419 |
Hyundai Elantra SE 4-Dr Sedan | $413 |
Subaru Forester X Premium AWP AWD | $417 |
Chevrolet Silverado LS Extended Cab 2WD | $420 |
Nissan Altima Hybrid 4-Dr Sedan | $429 |
Ford Explorer XLT 4WD | $422 |
Honda Civic DX 4-Dr Sedan | $436 |
Toyota Sienna CE | $444 |
Toyota Tacoma Double Cab 4WD | $444 |
Chevrolet Impala LT | $449 |
Chevrolet Malibu Hybrid | $444 |
Hyundai Tucson Limited 2WD | $446 |
Jeep Grand Cherokee Laredo 2WD | $452 |
Toyota Camry Hybrid | $447 |
Dodge Grand Caravan Crew | $453 |
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates significantly.
Based upon these rates, you can assume that vehicles like the Honda CR-V, Toyota Prius, and Ford Escape should be the less-costly vehicles to insure for veterans.
One of the many components that is looked at to help calculate a rate quote is where your home is located in New Hampshire. Areas with a lot of weather claims or more people like Manchester, Pinardville, and Nashua likely pay more, whereas cities that are not as densely populated have the gratification of cheap car insurance for veterans in New Hampshire.
The illustration below illustrates the higher priced cities in New Hampshire for veterans to buy car insurance in.
Rank | City | Annual Rate |
---|---|---|
1 | Manchester | $1,328 |
2 | South Hooksett | $1,204 |
3 | Pinardville | $1,201 |
4 | Derry | $1,187 |
5 | Nashua | $1,172 |
6 | Hudson | $1,166 |
7 | Londonderry | $1,159 |
8 | Berlin | $1,152 |
9 | Hampton | $1,146 |
10 | Exeter | $1,111 |
11 | Durham | $1,102 |
12 | Laconia | $1,098 |
13 | Milford | $1,096 |
14 | Somersworth | $1,094 |
15 | Franklin | $1,091 |
16 | Newmarket | $1,083 |
17 | Claremont | $1,081 |
18 | Portsmouth | $1,073 |
19 | Dover | $1,068 |
20 | Rochester | $1,054 |
21 | Hanover | $1,041 |
22 | Lebanon | $1,040 |
23 | Concord | $1,016 |
24 | Suncook | $995 |
25 | Keene | $984 |
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Premium amounts are comparative as specific location information can alter prices substantially.
The information below demonstrates how deductible levels can affect annual premium costs when searching for cheap insurance for veterans. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
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As shown above, a 50-year-old driver could cut expenses by $186 a year by changing from a $100 deductible to a $500 deductible, or save $282 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, could lower their rates $476 annually by selecting a higher deductible. When using a larger deductible, it is a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
When comparing car insurance for veterans in New Hampshire, some of the first companies to look at are State Farm, Allstate, Geico, and Progressive. The table below compares pricing and service ratings, as well as optional policy coverages offered by each one.
State Farm | Allstate | Geico | Progressive | |
---|---|---|---|---|
Overall Satisfaction | 4th | 2nd | 1st | 3rd |
Discounts Offered | 3rd | 1st | 2nd | 4th |
Claims Service | 2nd | 1st | 3rd | 4th |
Price Ranking | 2nd | 4th | 1st | 3rd |
Percent of U.S. market | 18.3% | 10% | 11.4% | 8.8% |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
New car replacement coverage | No | Yes | No | No |
Usage-based insurance | Yes | Yes | No | Yes |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Emergency roadside service | Yes | Yes | Yes | Yes |
Mechnical breakdown | No | No | Yes | Yes |
Offered in New Hampshire | Yes | Yes | Yes | Yes |
Where you can buy | Only from State Farm agents | Only buy from Allstate agents | Can buy online or use a Geico agent | Buy online or from an independent agent |
Number of agents | 18,000+ | 11,000+ | 150+ | 30,000+ |
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It is possible to find better rates, and here are a few money-saving suggestions that can help you quote more affordable coverage.
The last suggestion is extraordinarily crucial, as was stressed in the article above. Coverage prices change frequently, so don’t be hesitant to change to a new company if a better rate can be found.
Having a favorite company is fine, but it’s not a good idea if that loyalty results in overpaying a fortune every year. It takes less than five minutes to compare rates to find cheaper insurance for veterans.