Whether you are just looking for car insurance quotes in New Hampshire or are looking for the best company, there are several things to consider. Insurance companies will look at your driving history, your age and your credit score when setting rates. These factors will have a big impact on the premiums you pay.

In New Hampshire, the average cost of car insurance in 2014 was $983. Fortunately, the state’s average rate is much less than the national average. However, if you are a young driver or a teen driver, you should be prepared to pay more.

Young drivers, in general, are viewed as a riskier group. The reason is that they have less experience driving and are more likely to make mistakes. In addition, insurance companies view young drivers as being more likely to be involved in an accident. Luckily, there are ways to reduce the cost of car insurance in New Hampshire.

One of the ways to reduce the cost of car insurance in the state is to lower your liability limits. You can do this by purchasing a minimum liability policy, which costs $187 a month for an 18-year-old driver. However, you should still get comprehensive and collision coverage. These will help protect your vehicle from damage and help pay for other driver’s medical expenses.

Another way to lower your car insurance rates in New Hampshire is to make sure that you have PIP/medical payments coverage. This will help cover up to $1,000 in medical expenses if you are involved in a car accident. You should also consider purchasing collision coverage, which will protect your vehicle from damage if you hit another car. You should also check with your insurance company to see if there are any discounts you qualify for.

Another way to reduce the cost of car insurance is to keep your vehicle in good condition. Cars with high safety ratings have lower insurance premiums. On the other hand, sports cars and luxury vehicles have more expensive insurance costs. You can also keep your car in good condition by replacing your tires on a regular basis and maintaining a clean driving record.

If you have a DUI, your insurance rates will be higher. In New Hampshire, drivers must have proof of insurance for three years after a DUI conviction. Drivers who have more than one DWI conviction will be required to have proof of insurance for a longer period of time. You can reduce the cost of car insurance after a DUI by comparing quotes from several companies.

In addition to age, credit score and driving history, you can also look for discounts. Many companies offer discounts for good drivers, military families and homeowners. You can also qualify for a good student discount if you maintain a B average or higher in school. A discount for being married may also be available.

You should also check with your insurance company to make sure that you have the minimum coverage that is required by law. The minimum amount of car insurance required in New Hampshire is $25,000 bodily injury liability per person and $25,000 property damage liability.