Cheap Auto Insurance Quotes for Hybrid Vehicles in New Hampshire

You have seen the ads from insurers like Liberty Mutual and The General that say if you switch you’ll get huge savings, so drivers should just select the one with the best jingle, right?

It’s not quite that easy, unfortunately, as there are a whole bunch of unknown elements such as deductible levels for physical damage coverage, where you choose to live in New Hampshire, and your annual mileage driven, that all impact the cost of coverage. This article should teach you a little about some of these things and hopefully give you enough understanding to have some help in finding cheaper rates.

Figuring out which company has the most affordable car insurance rates for hybrid vehicles takes a little more effort in order to find the lowest price quote. Every auto insurer has a unique formula to determine rates, so let’s examine the car insurance companies with the overall best prices in New Hampshire.

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Concord generally has some of the best car insurance rates in New Hampshire at around $684 per year. Travelers, Patriot, USAA, and Vermont Mutual would also be considered some of the best New Hampshire car insurance companies.

As illustrated above, if you are currently insured with Vermont Mutual and switched to Travelers, you might achieve an annual premium reduction of upwards of $162. Policyholders with Amica could save as much as $187 a year, and MMG Insurance policyholders might lower prices by up to $346 a year.

To get a quick, customized rate comparison, click here to get quotes or visit any of the companies below.

These prices are averages for all types of insureds and vehicles and do not take into consideration a price discount for hybrid vehicles. So the insurer that fits your age and vehicle best may not even be shown in the above list. That affirms the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

One of the more important criteria that car insurance companies use to determine the annual cost of car insurance is where you live in New Hampshire. Densely populated urban areas like Manchester, Pinardville, and Hampton tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The information below illustrates the most expensive areas in New Hampshire for hybrid vehicles in which to buy car insurance.

Annual rates are estimated as the specific zip code location can modify insurance rates considerably.

The car, truck, or SUV to be insured is probably the largest consideration when looking for cheaper insurance for hybrid vehicles. Vehicles with high performance features, poor safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The table below outlines car insurance rates for the most cost-effective vehicles to insure in New Hampshire.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in garaging location in New Hampshire which can increase or decrease auto insurance rates noticeably.

By looking at the data, you can expect models like the Ford Escape, Honda CR-V, and Dodge Grand Caravan should be the most economical vehicles to insure for hybrids.

Best car insurance company in New Hampshire

Buying coverage from the right car insurance provider can be challenging considering how many companies sell insurance in New Hampshire. The company information shown below could help you pick which auto insurers to look at when insurance shopping for hybrid vehicles. The rankings below are for companies that write coverage in many states, so companies that only write business in New Hampshire or surrounding areas are not included in the list.

Top 10 Large Auto Insurers Overall in New Hampshire

1. 1. The General
   2. The Hartford
   3. Progressive
   4. Travelers
   5. State Farm
   6. Farmers Insurance
   7. Safeco Insurance
   8. USAA
   9. GEICO
   10. 21st Century

Top 10 Large Auto Insurers in New Hampshire Ranked by Claims Service

1. 1. Progressive
   2. USAA
   3. Liberty Mutual
   4. GEICO
   5. State Farm
   6. Nationwide
   7. The General
   8. Allstate
   9. The Hartford
   10. 21st Century

Discounts on cheap car insurance for hybrid vehicles in New Hampshire

Insurers that sell policies for hybrid vehicles could also offer special discounts that could potentially reduce rates by as much as 30% if you qualify for them. A list of companies and a selection of discounts are:

The diagram below shows the comparison of insurance premiums with and without discounts. The premiums assume a female driver, no claims, a clean driving record, New Hampshire state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, marriage, vehicle safety, multiple vehicle, claim-free, and anti-theft discounts applied. With discounts applied, the the amount saved on car insurance for hybrid vehicles is % or $.

Best cheap insurance quotes for hybrids

Thanks to technology, there are a lot of ways to get affordable car insurance quotes in New Hampshire, but the most preferred ways are through an independent agent, an exclusive agency such as Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico. Each way is similar, but it’s important to understand the differences in how they function.

Independent agents work with multiple companies and can get rate quotes from all of them. These types of agents possess the freedom to give you more rates, which can give you the best chance of finding a lower price. If they find a lower price, it’s easy for the agent to move the policy which makes it simple for you.

A captive, or exclusive, agent is able to place business with a single insurance company, two of the more popular are Allstate and Liberty Mutual agents. These agents normally cannot shop your coverage around, so you will not be able to compare their rates to other companies.

Buying car insurance direct means you skip a local insurance agent and instead shop from a direct company like Geico. This car insurance option is a good choice for people who do not need advice for asset protection and understand what specific coverages and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding cheap car insurance for hybrid vehicles in New Hampshire? We wish we could say buying from a direct company saves the most money because there are no middleman commissions, but unfortunately, it’s not that simple. It would also be easy to say an independent agent results in the best rates due to having more companies to select from, but that’s not always true, either. And often times, exclusive agencies have extremely competitive rates well below independent agents AND direct companies.

Due to that fact that car insurance uses so many rating variables, the best method to buy the cheapest coverage is to obtain price quotes and compare them. Take some time and get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. For a list of companies offering online discounts, click here to view.

How to get cheap car insurance for hybrid vehicles in New Hampshire

The list below details a few thrifty suggestions that can help drivers get more affordable coverage.

• Do not pay for full coverage if not needed
• Raise deductibles to save money
• Try paying for small claims out-of-pocket
• Drive safely
• Do not get into accidents
• Ensure you have the best deal by shopping around regularly

The last idea is especially valuable, as was noted in this article. Auto insurance prices adjust frequently, so don’t be afraid to buy a policy from a new company if you can save money. Staying with the same company for years is fine, but it isn’t a good idea if that faithfulness ends up costing you a lot of money. In just a few minutes you could compare prices to find cheaper auto insurance for hybrid vehicles.