10 Ways to Save on NH Car Insurance in 2012

The New Year is coming and many Americans are vowing to start saving in 2012! There are always ways to save, from clipping coupons to saving on your insurance premium. As your reliable NH insurance agency, we have a few tips to share about saving on your NH car insurance premium this year.

Here are 10 ways to save on your premium, starting now!

1.    Combine coverage with the same company. You need home, auto, and life insurance, so why not choose coverage with the same company? Bundling your policies will help you save on your premiums.

2.    Selecting the right car. Sports cars and luxury brands may look nice, but they are much more risky than just a low-profile vehicle. These risks are sure to raise your premium.

3.    Hold a clean driving record. If you are caught in fender-benders or large accidents, your premium will sky-rocket.

4.    Pay a higher deductible. If you can afford to pay a higher deductible, choose this option! The higher the deductible the lower the premium. Always compare the different deductibles to see if the saving is worth the higher deductible.

5.    Take advantage of discounts. The discounts are endless when it comes to auto insurance. Ask about good student, mature driver, safety, low-mileage and much more. Many companies now offer an advance shopping credit, where the effective date is 7 days or more in the future.

6.    Avoid paying monthly or instead choose to pay by EFT. Paying in monthly installments will tack on at least an extra $3-5 dollars a month. If possible, choose to pay every six months to a year. If you want to pay monthly, choose the EFT option, where the money comes out directly from your checking account each month. This will typically save you on the installment fees.

7.    Become a AAA member. Some agencies will give a discount to those who are AAA members or part of other professional organizations. Make sure you let your agent know of your memberships!

8.    Install safety features. Automatic seat belts, alarms, air bags and other safety features will help lower your premium.

9.    Shop around. You are not going to find the best deal by choosing the first big-name company you see on television. Independent Insurance agencies typically have 10-20 different companies that they use to quote your coverage.

10.    Keep up your credit score. Most companies now factor in your credit score when calculating your premium.

As you can see, there are many of ways to save on your NH car insurance. There is a discount for just about everyone! If you are planning to save for the New Year, it seems like a good idea to start with your NH auto insurance.

Enjoy your savings in 2012!!