Whether you're looking for auto, health, or homeowners insurance quotes, New Hampshire residents might, understandably, have some questions about the various policies offered that are not easy to find the answers to. Insurance lingo can be tricky, and comparing one quote to another is often a confusing process, but the answers (as well as the right policy for your situation) are out there if you know how to look for them. Whether you're looking for collision insurance on the SeaCoast, homeowners insurance in Manchester, life insurance up north, or business insurance throughout the state, here's a quick overview of what you should know about New Hampshire insurance quotes, and a few helpful suggestions on how to find the best policy for you!
New Hampshire Auto Insurance
Though many similarities can be found between the states when it comes to health and homeowners insurance, New Hampshire is one of the few states where a minimum amount of auto insurance is not required by law (quite fitting with the "live free or die" that graces local license plates). For any driver in New Hampshire, insurance is certainly worth considering, but the fact that you don't necessarily need to have it allows Granite State drivers more options than you'll find in many other areas of the country.
New Hampshire insurance providers are able to offer auto insurance packages that will cover only damage to another party's vehicle (liability insurance), damage to both vehicles and the people in them (collision insurance), and damage to your vehicle caused by a non-collision incident like fire or hail (comprehensive coverage). Collision and comprehensive coverage are typically required by lenders for any vehicle that is still being paid for. Though individual rates will vary, New Hampshire insurance companies charge an average of: $410 for liability, and additional $288 for collision, and an additional $103 for comprehensive coverage, with an average driver expenditure of $750.
Homeowners Insurance: New Hampshire's Average Costs
As it is nearly anywhere else, flood damage is not covered under New Hampshire homeowners insurance policies. Other than charging a little less than the national average for homeowners policies ($669 compared to $804), New Hampshire home insurance providers are pretty much on par with the rest of the country when it comes to the type of protection available. For renters, New Hampshire insurance quotes are also a little less than the national average ($157 compared to $189).
New Hampshire Health Insurance
As it is just about everywhere else in the country, health insurance is a hot button issue in New Hampshire. Insurance data suggests that nine out of ten people in New Hampshire have health insurance, which is higher than the national average; however, the average cost of New Hampshire health insurance is also higher than the national average, leaving residents extra concerned with how government health care reform will affect their budgets. New Hampshire health insurance premiums have risen about 9% annually over the past 10 years, and while many residents have little leeway when it comes their provider, a periodic search of what others in similar situations are paying is never a bad idea.
Finding New Hampshire Insurance Quotes
One of the most practical things you can do before settling on a specific policy is to get multiple insurance quotes. New Hampshire is home to several big-name insurance providers as well as a few smaller operations, and getting quotes from each type of company is a good idea. Often getting different types of policies through a single company can lead you to some significant savings, but it is well worth the time it takes to consider insurance providers other than the ones you are with currently, just to make sure you're not paying way too much. If contacting multiple insurance companies sounds like more hassle than you care to deal with, NetQuote can help. From Portsmouth to the Whites, homeowners can simply enter a zip code and fill out a brief form, and NetQuote will give accurate New Hampshire insurance quotes that you can compare and contrast from the convenience of your home computer!
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