Cheap Car Insurance for Teenage Males in New Hampshire

The words “affordable” and “insurance” really shouldn’t be used in the same sentence, especially when you are looking for the lowest insurance rates for teenage males. To save some money, let’s start the ball rolling by going over some of the factors that help determine insurance prices, and see if we can help you cut the cost of your next policy.

One of the key criteria that is looked at to help calculate the amount you pay each year for auto insurance is your address. Larger areas like Manchester, Nashua, and Londonderry tend to pay higher rates, whereas cities that are not as densely populated generally have lower rates.

The next table illustrates the most expensive cities in New Hampshire for teenage males to buy car insurance in.

Premium costs are estimated as the specific area where the vehicle is garaged can impact insurance rates significantly.

Determining which companies quote the lowest-priced car insurance rates for teenage males requires a little more work than just comparing a company or two. Each auto insurer has a different process for establishing rates, so to begin we’ll rank the overall cheapest car insurance companies in New Hampshire.

It’s a good idea to be aware that New Hampshire car insurance rates are impacted by many factors that will increase or decrease the policy premium. Turning one year older, moving to a new city, or having an at-fault accident can trigger price changes that may make certain companies cheaper than before.

Lowest Insurance Price Quotes for Teens

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Concord offers 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 cheaper New Hampshire car insurance companies.

As the rates illustrate above, if you buy coverage from Vermont Mutual and switched to Travelers, you might achieve a yearly price reduction of around $184. Drivers with Amica might save as much as $200 a year, and Progressive policyholders might reduce rates by $327 a year.

To see if you’re overpaying, click here or click through to the companies below.

Understand that those policy prices are averages for all drivers and vehicles and do not factor in a price increase for teenage males. So the insurer that is best suited for you may not even be featured in the list of companies shown earlier. That illustrates why you need to compare as many prices as possible using your own personal information and vehicle type.

Get discounts on New Hampshire insurance

Insurers that provide cheap auto insurance for teenage males in New Hampshire may also provide special discounts that may potentially lower prices by 25% or more if you meet certain criteria. Large car insurance companies and a selection of discounts are detailed below.

The example below compares insurance premiums with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims or driving violations, New Hampshire state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, anti-theft, continuous coverage, vehicle safety, paperless filing, and good student discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on car insurance for teenage males is 38% or $511.

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Company comparison: Geico vs Progressive vs State Farm vs Allstate

When shopping for auto insurance for teen boys in New Hampshire, the most popular companies are Geico, Progressive, State Farm, and Allstate. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a distict selection of optional coverages and features that may influence your buying decision. The table below compares some of the different options and features you can expect with each one.

Who has the cheapest insurance quotes for teen boys?

Thanks to technology, there are a lot of ways to find lower-cost car insurance in New Hampshire, but the most prevalent ways are through an exclusive insurance agency such as State Farm or Liberty Mutual, an independent insurance agent, or from a direct company like Geico or Progressive. They all follow the same basic process, but they differ slightly in how they function.

Independent agents work for many companies and can quote your policy with each one. They do not work for one specific company and can give you more rates, which may give you improved chances of finding a lower rate. If a cheaper price is found, your policy can be easily switched to a new company which is easy for the insured.

An exclusive ageny is only able to give prices for a single insurance company such as a Farmers or Allstate agent. They usually cannot provide other companys’ prices, so always compare other rates.

Consumers who buy car insurance direct forego an exlusive or independent agent and buy from a direct company like Geico or Progressive. This car insurance option is good for drivers who do not need advice for risk management and know what car insurance covers and what it doesn’t.

So which method is best to buy cheap auto insurance for teenage males in New Hampshire? Our initial answer would be shopping direct yields the cheapest rates because you bypass the middleman, but that generally is not the case. We could also assume that an independent agency is the best way since they can quote with many companies, but that is not necessarily true either. In many cases, the exclusive agents have coverage prices that cannot be beaten by either independent or direct companies.

Since car insurance prices are based on many different factors, really the best method to ensure you are not overpaying for car insurance is to get quotes and compare the rates. Money-saving experts recommend you get rate quotes from all three to give yourself plenty of rates to compare. For a list of companies offering online discounts, click here to view.