Purchasing auto insurance in New Hampshire doesn’t have to be a confusing process. You can shop around for rates or work with a broker who can do all the running around for you. As long as you know what fits your needs, you should be set up in no time.

When purchasing car insurance in New Hampshire, remember that drivers are not mandated to purchase car insurance. However, choosing not to purchase New Hampshire car insurance would be to your detriment, since law requires that you are responsible for the damage in an accident where you are found “at fault." Furthermore, you would have to purchase auto insurance with minimum requirements in order to legally drive in New Hampshire again.

Whatever you decide, you must take into consideration the following:

1. The minimum requirements expected for New Hampshire auto insurance and the necessity of purchasing additional features.
2. The factors that affect your premium, such as age, gender, marital status, driving record, and the type of vehicle you drive.
3. Whether an insurance company offers special discounts on your New Hampshire auto insurance rates.

Action Steps
The best contacts and resources to help you get it done

Check into direct insurance companies and brokers that offer New Hampshire auto insurance

Pick some direct auto insurance companies in New Hampshire with a couple of brokers. The brokers themselves will shop around for the best price they can get, so doing it this way gives you a good number of quotes to work with. The good thing about working with a broker is that they re-quote periodically and depending on any changes to your circumstances.

I recommend: I recommend making a list of what you need as far as auto insurance in New Hampshire, and the contact both Progressive Insurance and 4FreeQuotes.com for a company and broker comparisons.

Familiarize yourself with the minimum requirements of auto insurance in NH

Whether you choose to purchase New Hampshire auto insurance, or are mandated to after an 'at fault accident,' you must adhere to the minimum requirements for liability. This includes bodily injury, property damage and uninsured motorist bodily injury. You would also have to purchase medical payments and underinsured motorist bodily coverage.

I recommend: Look into additional costs for comprehensive and collision, even though these are not required. Both Edmunds and Insure provide a listing of state requirements. Don't lean toward the minimal if the reality of your situation suggests you purchase additional features. The consequences could be dire.

Ask about available discounts when purchasing your auto insurance in NH

Many auto insurance companies in New Hampshire offer discounts for 'good behavior.' You could save simply by having an anti-theft device in your car; a good driving record; more than one vehicle; or if you wish to purchase insurance for your home with the same company.

I recommend: Liberty Mutual is a great start if you want to check out a listing of possible discounts. They also have an extensive glossary available so you can better understand auto insurance jargon.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Make sure that the companies you research are licensed in New Hampshire. This may sound obvious, but it is usually the last thing a person checks when shopping for New Hampshire car insurance companies.