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Auto insurance. New Hampshire.

New Hampshire Auto Insurance Information

   New Hampshire motor vehicle laws don't require you to carry auto insurance. However, if you have an "at-fault" accident and don't have auto insurance, the New Hampshire Division of Motor Vehicles could require you to post a bond or cash equal to the amount of damage you caused in that accident. You also would be required to satisfy the New Hampshire Division of Motor Vehicle Financial Responsibility requirements. This means you must buy auto insurance with minimum coverage amounts set by the Division of Motor Vehicles. You must satisfy these requirements to continue to drive legally in New Hampshire.
   If you buy auto insurance in New Hampshire, the minimum limits available for Liability coverage are 25/50/25. Liability coverage pays for damages to others for which you are legally liable. Coverage of 25/50/25 pays up to $25,000 per person for bodily injury, up to $50,000 if 2 or more persons are hurt, and up to $25,000 for property damage
   If you buy auto insurance in the State of New Hampshire you must also buy Medical Payments and Uninsured Motorists coverage. Medical Payments coverage pays for medical expenses for you and any passengers in your vehicle. By law, you must buy at least $1,000 of Medical Payments coverage.
   Uninsured Motorists coverage covers you and your family members for injuries from an accident with an uninsured driver, or a hit and run, legally liable motorist. It also protects against injuries caused by insured drivers if their coverage is less than your own. In New Hampshire, your Uninsured Motorists coverage must equal the limit of your Liability coverage.

Factors that may affect the premium

Age, gender and marital status. Statistics show certain groups of drivers have more accidents. The greater the chance a group of drivers will have a loss, the higher the cost of the premiums (or "rating") for that group.
Coverage limits - (i.e., $25,000/$50,000/$25,000 vs. $50,000/ $100,000/$50,000 liability coverage). The higher the insurance coverage limits you buy, the more it will cost.
Driving record - Your driving history, including moving violations and at-fault accidents. Drivers with a history of at-fault accidents and tickets pay higher premiums than those with better driving records.
Household members - The ages and driving records of other drivers in your household may affect your premium. Teen drivers increase your premium even if they never or rarely drive your vehicles (unless they buy their own policy). An insurer can refuse to pay a claim and/or can cancel your policy if you have but didn’t include a teen driver on your insurance application or policy.
Location - Where you keep and drive your car (i.e., rural towns vs. congested urban areas). City drivers pay more than rural drivers because heavily populated areas have more traffic, thefts and vandalism.
Type of vehicle - Model, year and value of your car. Some cars cost more to insure because they are more easily damaged, more expensive to repair or more likely to be stolen.
Use of vehicle - Annual mileage (i.e., 3 mile commute to work vs. 60 mile commute to work). The more you drive, the greater the statistical chance of an accident. Therefore, the more you drive, the higher the premium.
Credit history – Many companies now look at your credit history. Most insurers use your credit score to judge your experience with credit.

Discounts

Ask about discounts when buying or renewing your auto insurance policy. Not all companies offer all of the discounts listed here, and some companies may offer other discounts.

Anti-theft devices - Usually available as a discount against your comprehensive coverage premium for devices that discourage theft or vandalism.
Auto/home packages – May be available if you buy your auto and homeowners policies from the same insurance company.
Good driver – Normally available for policyholders who maintain a good driving record.
Good student – Frequently offered to young drivers who maintain good grades in school.
Low annual mileage – May be available for vehicles operated less than a given number of miles per year.
Multiple vehicles – Often offered when the same company insures more than one vehicle in your household.

   All policies require the insured's signature on a legal document where the insured swears under oath that he or she is a resident of the State of New Hampshire. New Hampshire law also requires all insureds to notify the insurance company when he or she is no longer a resident of this State.
   Not signing the statement of residency document can mean your policy will be cancelled. Cancellation means no coverage for accidents that happened after the policy was issued.
   Making false residency statements is a criminal offense, and can mean a fine of up to $2,000, and up to one year's imprisonment and means no coverage for accidents after the policy was issued.

Buying Insurance

   No matter where you buy your insurance, be sure to buy only from licensed individuals or companies. To legally sell insurance in New Hampshire, agents/producers and companies must be licensed by the New Hampshire Insurance Department. The licensing process gives consumers certain safeguards by, among other things, making sure that applicants have met basic financial and background requirements under the law. Not all companies that advertise nationally or sell on the Internet are licensed to do business in New Hampshire.

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