Personal Auto Insurance

Car Insurance Protects You and Your Vehicle

Car insurance is your protection against the unexpected. Even a minor automobile accident can become a considerable setback. Are you prepared for the unexpected financial burden of car repairs, the interruption to your busy schedule, exposure to potential lawsuits, and medical expenses for yourself, your passengers or occupants of another vehicle? Auto insurance makes sure you have the right protection in place for you and your car.

When it comes to auto insurance the laws vary from state-to-state, so you may be asking yourself: “What type of auto insurance do I need to buy in New Hampshire?” When purchasing an auto liability insurance policy for personal use in New Hampshire, you’re also required to buy medical payments coverage and uninsured motorist coverage. If you have a car loan, your lender may require additional coverage, such as collision coverage.

Some New Hampshire automobile owners are looking for more extensive coverage that includes damage from causes other than a collision, such as fire, theft, animal strikes, vandalism, fallen objects, flood, wind, and hail. A comprehensive coverage plan would cover all of these types of damages.

An Auto and Home Insurance Bundle Saves Time and Money

Bundling your personal auto and home insurance policies together has many clear advantages. If you have a car or other type of vehicle and own a home, some of the ways you can benefit include the following:

  • Financial Savings. You will be eligible to receive a multi-policy discount rate when you decide to bundle your personal auto and home insurance policies.
  • Time and Energy Savings. We know your time is limited. With a bundled personal auto and homeowners’ solution, you will spend less energy and time managing them. By combining your policies, your home and auto insurance will renew at the same time, which simplifies and streamlines the process.
  • Improved Policy and Risk Management. It’s much easier for your agent to have a complete view of your insurance needs if you are bundling your home and auto policies. With a holistic perspective, your agent will better understand your lifestyle and your financial risks. They will be able to make coverage recommendations for improved risk management. They can also help you manage your policy limits and premiums.

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Insurance policies cannot be put into effect or changed unless confirmed by an agent first. If you are requesting a policy change or cancellation an agent will contact you.

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Factors That Determine Your Auto Insurance Cost

People often wonder what factors insurance companies use to determine the cost of their auto insurance. Most people wait until they purchase a car to find insurance for it. They might even shop around trying to find the best rates. Unfortunately, quite a few aspects related to buying a car predetermine how much you are going

Auto Insurance for Leased Cars

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You’ll need to buy these coverages in addition to the others that may be mandatory in your state, such as auto

Tips for Adding a Teen Driver

As a parent, watching a teen learn to drive and gain independence is exciting and scary at the same time. Having a new teen driver at home adds worry and concern for parents. There’s the logistics of finding a car for them to drive or coordinating the use of a family car, figuring out who will

Controlling Car Insurance Costs

You may be frustrated with car insurance premiums and factors that cause increases, such as: Your insurance company’s overall loss experience (due to more claims) The increased value of newer model cars, particularly SUVs and models with smart car features Increases in judgment amounts awarded in auto lawsuits Increased business processing and administrative expenses Auto

Collision and Comprehensive Auto Coverage Provides Extra Protection

What does it mean to have full auto coverage? Full coverage includes liability, collision and comprehensive insurance. In most states, the law requires motorists to have liability coverage. New Hampshire is one of a few states that doesn’t require drivers to have auto insurance. Liability insurance covers accidents where you are at fault. It covers property damage

How can I afford my New Teen Driver

Young drivers are expensive to insure. Such drivers, particularly teenagers, frequently cause traffic accidents because of their lack of experience and because, due to their youth, they tend to be distracted, risky drivers. If your household is about to add a new driver, make sure that he or she understands that, besides endangering themselves and

If Personal Items are Stolen from my Car are they Covered?

No one is immune to having their cars broken into. What many people don’t know is that theft of personal items from your car is not covered by your auto insurance. Are you surprised? Let me explain. Theft of personal items from your car can happen at any time or anyplace. In fact, it’s common

Cancellation vs. Non-Renewal of Your Auto Policy

The difference between a canceled and non-renewed auto policy. There is a big difference between when an insurance company cancels a policy and when it chooses not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except: If you fail to pay the premium. You

Do I Need Insurance to Rent a Car?

When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough. Before you rent a car: 1. Contact your insurance company. Find out how much coverage you have on your own car. In most cases, the coverage and deductibles you have on

Auto Insurance Overview

Your auto policy may include six coverages. Each coverage is priced separately. 1. Bodily Injury Liability This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission. It’s very important to have

What is a basic automobile policy?

Your auto policy may include six coverages. Each coverage is priced separately. 1. Bodily Injury Liability This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission. 
It's very important to have enough

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