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Derry “Space Town” New Hampshire is famous for being the birthplace of one of the first US astronauts in space, Alan Shepard. But that isn’t Derry’s only claim to fame; Robert Frost also lived in Derry during his lifetime. While settlement first began as early as 1719, it wasn’t officially incorporated until 1827.
Driving legally in Derry requires:
|Bodily Injury Liability||Not required (25,000/50,000 if purchased)||100,000/300,000|
|Property Damage Liability||Not required (25,000 if purchased)||50,000|
|Uninsured Motorist Bodily Injury||Not required (25,000 if purchased)||10,000/20,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
As you can see in the middle column above, automotive insurance is not legally required in New Hampshire. But if you choose not to purchase coverage, you must prove that you are financially sound enough to pay for any damages and/or medical bills you might be liable for. The majority of drivers choose to purchase automotive coverage though because it’s less of a hassle.
If you’re a New Hampshire resident, you might be paying around $82 per month for your automobile insurance right now. But Derry residents have the opportunity to lower that cost. You may even qualify for rates as low as $37/mo* or less!
State Farm, Liberty Mutual, and Amica are all trying to offer some of the lowest rates in Derry right now. But before you think about switching, consider other important elements, such as customer service, which may or may not be missing from certain companies. Just make sure you do a little research in your prospective provider before you commit to a full switch.
Auto insurance providers evaluate different factors when calculating quotes, such as driving experience, driving violations, occupation, education, and business use of the vehicle. Also keep in mind that premiums could vary from business to business. To find out if you’re still receiving the cheapest premium, review and compare New Hampshire car insurance rates on the web.
There is a variety of numerous things that can factor into the rate quotes you get. Even though many specific details aren’t really something you can do something about, a few of them are elements which you can change for the better. Here are a few things which may affect your auto insurance premium:
Your auto insurance rates can vary depending on the place you live. In general, large cities feature higher auto insurance rates since the extra amount of motorists on the streets boosts the probability of a collision! The total population of Derry amounts to 22,105 and the general household income is $54,351.
If your area has a high rate of serious or even fatal accidents, your local insurance providers will likely be offering elevated rates as a result. Take a look at the chart below. Those numbers might seem small, but considering how few people live in Derry, those numbers are actually alarmingly high per capita. Talk to your insurance agent, and see if you can qualify for any Safe Driver discounts to help offset this.
One thing Derry doesn’t have a huge problem with, fortunately, is auto theft. There were only 27 cars reported stolen back in 2013. This number is both generally low, and also low per capita. But that doesn’t mean you shouldn’t try to protect yourself from theft. Anti-theft devices can earn you discounts with some providers. Also, the only type of coverage which can protect against theft is Comprehensive coverage.
Odds are that you’re going to be paying higher monthly premiums for having a less than perfect credit score. If you do have poor credit, try tracking your score on a free credit reporting site, and take proactive steps to improve your credit status.
Whether you’re a young driver or the parent of a young driver, finding an affordable policy can feel like an uphill battle. There are Good Student and Driver’s Ed discounts, however, which can take some of the sting out of those monthly premiums.
We all wish we could be perfect drivers, but the unfortunate truth is that many of us are paying higher monthly premiums due to minor offenses, like speeding tickets or “fender-bender” accidents. Well, some providers will give you a break with an “Accident Forgiveness” discount. Talk to your insurance agent to see if you qualify.
If you don’t purchase enough coverage, and in high enough amounts, to cover your financial need in the event of an accident, you may be left paying for the difference. However, the more coverage you purchase, the more you have to pay each month in premiums. That right there is the main reason luxury vehicles cost so much to insure – because they require more coverage purchased in high amounts in order to be protected completely.
These factors may also help you alter what you pay for your monthly premium:
Lots of married couples take advantage of bundling discounts by combining their automotive insurance policies with the same company. Single people can do this too, if they bundle their auto policy with motorcycle or renter’s insurance, assuming their provider offers many different policies.
Some people may want to believe that there is a difference between male and female drivers, but the statistical data doesn’t back up these assumptions. This is why many providers have abandoned the practice of charging different premiums based on gender alone.
Typical work commutes in Derry can be pretty long, lasting anywhere from 30-32 minutes on average. A whopping 91% of drivers rely on their own vehicle in order to get to work each day, while around 7.5% carpool.
Reducing your yearly mileage is a fantastic way to save money on gas, or vehicle maintenance costs. Unfortunately, it’s a very inefficient way to save money on your monthly premiums. At best, you can only expect to save 4-6%, and that’s for cutting thousands of miles off your odometer each year.
Do you know how high (or low) your deductible is right now? Sadly, most drivers don’t. Which is unfortunate, because raising your deductible is a quick and simple way of making your monthly premiums more affordable.
More than 30% of the population in Derry has completed all the requirements for a high school diploma. An additional 17% have also gone on to earn a bachelor’s degree. Interestingly enough, those motorists who have some form of a higher education may be entitled to discounts from their auto insurance provider. This is an even more popular way to save money on premiums than by having a special job title, or an unusually high salary.
Derry is a small community, so local options for an advanced form of education are difficult to find nearby. However, there are plenty of options for students willing to commute to nearby towns. Chester College in the neighboring city of Chester offers educational programs in professional writing and graphic design. Additionally, the city of Manchester located to the north and east of Derry has several different institutions of higher learning to choose from. Read up on Derry by clicking here.
Unfortunately for many insurance providers, a basic online search could expose a great many of their industry mysteries. But even by using the correct advice, it could still be tricky for anyone as an individual to figure out your risk profile and find the cheapest possible insurance. Be sure you perform your due diligence prior to committing to your upcoming car insurance policy.
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
You could find low auto insurance rates in Derry, NH by merely entering your Zip Code into the calculator below.