Ashland, NH Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ashland, 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.
Find Best Car Insurance in Ashland, NH
The average cost of car insurance in Ashland, NH, is $1,565. As anyone who has ever been in a car accident will tell you, car insurance is a necessity. Even the most careful drivers can find themselves involved in an accident through no fault of their own. And if you're involved in an accident that causes damage to another person's property or injures another person, you could be facing a lawsuit. That's why car insurance is so important. It can help cover the cost of repairs to your own vehicle, as well as the cost of any medical treatment for yourself or anyone else involved in the accident. It can also help protect you financially if you're sued as a result of an accident. There are a lot of different car insurance companies out there, so it's important to shop around and compare rates before you decide on a policy. Make sure you understand your coverage and how much it will cost you. This article will teach you how much vehicle insurance costs in Ashland, New Hampshire, and how to get a better deal.
Credit History
When it comes to auto insurance, your credit history is one of the most important factors determining your rates. In Ashland, NH, insurers will generally use your credit score to help them assess risk. The higher your score, the lower your rates will be. Conversely, you can expect to pay more for your auto insurance if you have a low credit score. For instance, in Ashland, New Hampshire, car owners with excellent credit must pay $1,533, while those with poor credit must pay $2,553.
Age of the Driver
In Ashland, NH, the driver's age is one of the main factors determining auto insurance rates. If you are a young driver, you can expect to pay more for your insurance than an older driver. This is because younger drivers are considered more risky and more likely to get into accidents. For instance, Teenage drivers in Ashland, New Hampshire, pay $5,078 for car insurance, and old drivers aged 40 years pay $1,490. However, some discounts you can get as a young driver will help offset the cost of your insurance. You can get a discount on your insurance if you are a safe driver and have a clean driving record. You can also get a discount if you take a defensive driving course.
Driving Habits
A clean driving record is one of the main variables affecting auto insurance costs in Ashland, New Hampshire. You might benefit from lower auto insurance rates in Ashland, New Hampshire if your record is clear of traffic offences. Therefore, having a good driving record is essential if you want to keep your auto insurance rates low. For instance, in Ashland, New Hampshire, auto insurance costs increased by +$365 and +$1055 for drivers who run red lights or have expired licenses.
Factors that can influence the cost of car insurance in Ashland, 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.
- Ashland, NH Auto Insurance Rates
- Ashland, NH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ashland, NH
- Multi Vehicle Insurance Savings in Ashland, NH
- How Credit Score Affects Car Insurance Rates in Ashland, NH
- How DUI Affects Auto Insurance Premiums in Ashland, NH
- Top Auto Insurance Agents Near Ashland, NH
- How Driving Violations Affect Auto Insurance Rates in Ashland, NH
- Ashland, NH Auto Insurance Discounts on Anti Theft Feature
Ashland, NH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ashland, NH with that of other cities in and around Ashland.
| Ashland | Holderness | Plymouth | Bridgewater | Hebron | New Hampton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,565 | $956 | $1,397 | $1,050 | $851 | $1,229 |
Ashland, 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 Ashland, 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) |
|---|---|---|
| Ashland | $1,612 | $1,362 |
| Holderness | $985 | $832 |
| Plymouth | $1,439 | $1,215 |
| Bridgewater | $937 | $792 |
| Center Harbor | $800 | $676 |
| New Hampton | $1,266 | $1,069 |
| Campton | $1,514 | $1,279 |
| Hebron | $877 | $740 |
Ashland, NH Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ashland, 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 | $5,078 |
| 20 Years | $2,011 |
| 30 Years | $1,549 |
| 40 Years | $1,490 |
| 50 Years | $1,380 |
| 60 Years | $1,399 |
| 70 Years | $1,629 |
Ashland, NH Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ashland, 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 | $2,723 | $407 |
| 3 Vehicles | $4,085 | $610 |
| 4 Vehicles | $5,446 | $814 |
Savings on 2 Vehicles bundle:$407
Savings on 3 Vehicles bundle:$610
Savings on 4 Vehicles bundle:$814
Ashland, 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 Ashland, NH.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ashland | $1,565 | $2,765 |
| Holderness | $956 | $1,689 |
| Plymouth | $1,397 | $2,469 |
| Bridgewater | $1,050 | $1,855 |
| Center Harbor | $777 | $1,373 |
| New Hampton | $1,229 | $2,172 |
| Campton | $1,481 | $2,617 |
| Hebron | $851 | $1,504 |
Ashland, 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) | $1,343 |
| Excellent (740-799) | $1,533 |
| Good (670-739) | $1,631 |
| Average (580-669) | $2,128 |
| Poor (300-579) | $2,553 |
Ashland, 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 |
|---|---|---|---|
| Foy Insurance Group - Tilton | Liberty Mutual Independent | 391 W MAIN ST, TILTON, 3276 | 603-286-8978 |
| Mike Testa | State Farm | 101 Court St, Laconia, 03246-3694 | 603-524-7733 |
| Mullen Insurance Agency Inc | Nationwide | 585 Union AveSTE 6, Laconia, 3246 | (603) 524-8062 |
| Melcher & Prescott Insurance | None | 20 Main St , Meredith, 3253 | None |
| Melcher & Prescott-Plymouth | Liberty Mutual Independent | 580 TENNEY MOUNTAIN HWY, PLYMOUTH, 3264 | (603) 536-2440 |
| Hbl Group Llc | Travelers | 9 COLONIAL WAY STE A, BARRINGTON, 3825 | 603-280-4200 |
| Rene Leclerc | State Farm | 1100 Hooksett Rd Ste 107, Hooksett, 03106-1043 | 603-668-0009 |
Ashland, 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 | +$69 | $1,634 |
| Driver's Failure In Showing Documents | +$152 | $1,717 |
| Driving With An Expired Registration | +$161 | $1,726 |
| Driving At A Considerably Slow Pace | +$340 | $1,905 |
| Using A Cellphone While Driving | +$358 | $1,923 |
| Running A Red Light | +$365 | $1,930 |
| Speeding | +$383 | $1,948 |
| Driving A Vehicle Without The Required Permission | +$487 | $2,052 |
| Driving With An Expired/Suspended License | +$1,055 | $2,620 |
Ashland, 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 | $1,502 |
| Active Disabling Device | $1,502 |
| Tracking Device | $1,471 |
| Passive Disabling Device | $1,455 |