Hudson, NH Car Insurance Savings the Insurance Agents Don’t Want You to Know About

Have you had enough of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other drivers in New Hampshire.

Online insurance companies like Allstate, Progressive and GEICO increase brand awareness with advertising and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

Discounts are basically free money

Companies that sell car insurance do not advertise every discount in an easy-to-find place, so we break down some of the best known and the more hidden ways to save on car insurance.

• Homeowners Savings – Owning a home in Hudson may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
• Federal Government Employee – Active or retired federal employment could cut as much as 10% off depending on your company.
• Drive Less and Save – Keeping the miles down can earn a substantially lower rate.
• Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
• Sign Online – Certain companies will give a small break for buying a policy and signing up over the internet.
• New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
• Student in College – Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
• Claim Free – Good drivers with no accidents pay much less compared to frequent claim filers.
• Lower Rates for Military – Having a deployed family member could mean lower rates.

It’s important to note that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, car insurance companies aren’t that generous.

To see a list of providers with discount car insurance rates in Hudson, follow this link.

Aren’t my neighborhood agents an option?

Certain consumers would prefer to buy from a local agent and there is nothing wrong with that. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent.

To make it easy to find an agent, after completing this form (opens in new window), your information gets sent to companies in Hudson who will give you bids to get your business. You don’t have to leave your computer due to the fact that quote results will go immediately to your email address. How cool is that?! It’s the lowest rates AND an agent nearby.

Selecting a company shouldn’t rely on just the price. Agents should be asked these questions:

• Are they full-time agents?
• How are claims handled?
• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
• If your car is in the repair shop, do you have coverage for a rental car?
• Does the agency provide any after hours assistance?
• How long has their agency been in business in Hudson?

Insurance agents in Hudson come in two varieties

When looking for a reliable agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Agents can either be independent or captive.

Agency Captives

These agents can only place business with one company such as Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies receive extensive training in insurance sales which can be an advantage.

The following is a list of captive agents in Hudson willing to provide rate quotes.

State Farm Insurance – 28 Lowell Rd # 6 – Hudson, NH 03051 – (603) 595-8400
Allstate Insurance – 225 Lowell Rd # H – Hudson, NH 03051 – (603) 880-4090

Independent Agents

These agents are not employed by any specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and that require little work on your part.

When comparing rates, you should always contact multiple independent agents to ensure the widest selection of prices.

The following is a list of independent agents in Hudson willing to provide comparison quotes.

French Insurance – 12 Derry St – Hudson, NH 03051 – (603) 882-9532
SJD Insurance Inc – 21 Springwood Cir – Hudson, NH 03051 – (603) 598-9974

For a complete listing of licensed insurance agents in Hudson, please go to this site.

After receiving acceptable answers for all questions you ask and an acceptable price quote, you have narrowed it down to a car insurance agent that will provide car insurance coverage.

Additional resources for New Hampshire consumers

Even more information can be read at the New Hampshire Insurance Department website. New Hampshire consumers can report car insurance fraud, learn about insurance regulations, learn about specific coverages, and file complaints about a company.

Buy online or local, you save

As you prepare to switch companies, you should never buy less coverage just to save a little money. There are many occasions where an accident victim reduced liability limits or collision coverage and discovered at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

The cheapest car insurance is definitely available online in addition to many Hudson insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and most of the time these smaller companies sell through independent agents.