Auto Insurance

Auto insurance is required in most states. In many cases, there is a minimum amount of coverage a driver is required to hold as determined by the state. In Massachusetts, drivers are required to have a minimum level of auto insurance coverage. While these state minimums satisfy the legal requirement for auto insurance, it is highly recommended that you discuss your options with an insurance agent. This will help you decide what level of coverage is appropriate for your particular financial situation.

In New Hampshire, most people are of the belief that auto insurance is not legally required. While this is technically true, most do not know that there is an additional requirement to the law. This states that residents are required to pay any costs for liability damage or bodily injury resulting from an accident if you are at fault. This means if you cannot afford the cost of an at-fault accident, you will lose your license until you can show you can afford the costs of the accident.
There are some additional standard coverages most auto insurance policies will usually have:

  • Medical Payments – Covers injuries sustained by you and your passengers in an accident
  • Uninsured/Underinsured Liability – Protects you in an accident with an at-fault driver without proper insurance
  • Comprehensive (Other-than-collision) Deductible – The amount out of pocket you will spend before insurance kicks in for incidents out of your control such as vandalism or theft
  • Collision Deductible – Amount you will pay out of pocket before insurance kicks in for an accident

As well as some coverages you can add to customize your policy based on what you value most:

  • Rental Car Coverage – Provides a dollar amount per day for a rental car if your car requires repairs
  • Roadside Assistance – Coverage for towing or roadside repair
  • Glass Deductible Waiver – Waives your comprehensive deductible if your glass needs to be repaired or replaced

In addition, companies offer various discounts to help keep the cost of your auto insurance low:

  • Multi-Policy Discount – More than one insurance policy with the same company
  • Multi-Car Discount – Discount for having more than one vehicle on an auto policy
  • Claims Free Discount – No claims in the past 3-5 years depending on company
  • Advanced Quote ­– Discount for making a down payment days in advance of the policy starting
  • Paid in Full – Paying for the total cost of the policy term in one payment

Reach out to Insure New England today for a free quote and consultation to find the right auto insurance coverage for you and your family!