Alstead, NH Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alstead, NH, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car Insurance in Alstead, NH
The average cost of car insurance in Alstead, NH, is $1,407. A car insurance policy is an agreement between you and the insurance company that covers your finances in case of an accident. Everyone wants the best insurance but does not understand that doing a little analysis before buying car insurance in Alstead, NH, can get you better coverage at a lower rate. Auto insurance providers use several aspects to decide how much you will pay each month for your car insurance policy. Understanding how their approach works make it easier to shop for the most suitable deal.
a. Credit History
Auto insurers commonly inspect your credit score when calculating monthly auto insurance rates in Alstead, NH. Your credit score can immensely influence your car insurance in Alstead, NH. For instance, bad credit can skyrocket auto insurance premiums in Alstead, NH. Car owners with exceptional credit scores have to pay $1,207, whereas car owners with poor credit scores have to pay $2,295 in Alstead, NH. Hence, the higher the credit score, the lower the auto insurance rates in Alstead, NH.
b. Age of the driver
Eligibility for auto insurance in Alstead, NH, can be complex. Insurance providers consider the driver's age as one of the significant factors while deciding auto insurance rates in Alstead, NH. Young drivers can expect to pay more as they are likely to have conditions that may lead to accidents on the road. In contrast, old drivers are experienced and are considered responsible behind the wheel. For example, teenagers pay $4,565 on auto insurance in Alstead, NH, whereas old drivers aged 40 years pay $1,340.
c. Driving Habits
Clean driving history is essential. By maintaining a good driving record, car owners can save on auto insurance rates in Alstead, NH. Insurance companies look for candidates with clean driving history as they tend to have fewer claims compared to car drivers with poor credit scores. For example, car drivers running a red light or driving with an expired license must pay +$328 and +$948 extra on the total cost of car insurance in Alstead, NH.
Factors that can influence the cost of car insurance in Alstead, NH are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Alstead, NH Auto Insurance Rates
- Alstead, NH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alstead, NH
- Multi Vehicle Insurance Savings in Alstead, NH
- How Credit Score Affects Car Insurance Rates in Alstead, NH
- How DUI Affects Auto Insurance Premiums in Alstead, NH
- Top Auto Insurance Agents Near Alstead, NH
- How Driving Violations Affect Auto Insurance Rates in Alstead, NH
- Alstead, NH Auto Insurance Discounts on Anti Theft Feature
Alstead, NH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alstead, NH with that of other cities in and around Alstead.
| Alstead | Walpole | Surry | North Westminster | Gilsum | Langdon | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,407 | $1,208 | $1,218 | $1,092 | $1,449 | $1,365 |
Alstead, NH Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Alstead, NH based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Alstead | $1,449 | $1,224 |
| Gilsum | $1,492 | $1,261 |
| Surry | $1,255 | $1,060 |
| Walpole | $1,244 | $1,051 |
| Marlow | $1,492 | $1,261 |
| Sullivan | $1,396 | $1,179 |
| Langdon | $1,406 | $1,188 |
| North Westminster | $965 | $815 |
Alstead, NH Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alstead, NH usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,565 |
| 20 Years | $1,808 |
| 30 Years | $1,392 |
| 40 Years | $1,340 |
| 50 Years | $1,241 |
| 60 Years | $1,258 |
| 70 Years | $1,464 |
Alstead, NH Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alstead, NH can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,448 | $366 |
| 3 Vehicles | $3,672 | $549 |
| 4 Vehicles | $4,896 | $732 |
Savings on 2 Vehicles bundle:$366
Savings on 3 Vehicles bundle:$549
Savings on 4 Vehicles bundle:$732
Alstead, NH Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alstead, NH.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Alstead | $1,407 | $2,486 |
| Gilsum | $1,449 | $2,560 |
| Surry | $1,218 | $2,152 |
| Walpole | $1,208 | $2,135 |
| Marlow | $1,449 | $2,560 |
| Sullivan | $1,355 | $2,394 |
| Langdon | $1,365 | $2,412 |
| North Westminster | $1,092 | $2,257 |
Alstead, NH Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,207 |
| Excellent (740-799) | $1,378 |
| Good (670-739) | $1,466 |
| Average (580-669) | $1,913 |
| Poor (300-579) | $2,295 |
Alstead, NH Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Ted Harris | Allstate | 266 Main St, Keene, 3431 | (603) 357-7000 |
| Joan Hoose Acsr | Liberty Mutual | 640 Marlboro Street, Keene, 3431 | 1-603-357-0609 |
| Clark-Mortenson Agency Inc | Liberty Mutual Independent | 42 MAIN ST, WALPOLE, 3608 | (603) 756-4000 |
| Clark-Mortenson Agency | Liberty Mutual Independent | Po Box 606, Keene, 3431 | None |
| Jamie Reeves | Liberty Mutual | 640 Marlboro Street, Keene, 3431 | 1-603-357-0609 |
| Joe Ashooh | State Farm | 297 S Willow St Ste 3, Manchester, 03103-5779 | 603-624-1000 |
| Marc Plamondon | State Farm | 224 Main St, Nashua, 03060-2946 | 603-882-2122 |
| Dan Bantham | State Farm | 289 Daniel Webster Highway, Merrimack, 03054-4472 | 603-429-2008 |
Alstead, NH Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$62 | $1,469 |
| Driver's Failure In Showing Documents | +$136 | $1,543 |
| Driving With An Expired Registration | +$145 | $1,552 |
| Driving At A Considerably Slow Pace | +$305 | $1,712 |
| Using A Cellphone While Driving | +$322 | $1,729 |
| Running A Red Light | +$328 | $1,735 |
| Speeding | +$345 | $1,752 |
| Driving A Vehicle Without The Required Permission | +$438 | $1,845 |
| Driving With An Expired/Suspended License | +$948 | $2,355 |
Alstead, NH Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,351 |
| Active Disabling Device | $1,351 |
| Tracking Device | $1,323 |
| Passive Disabling Device | $1,309 |