Plaistow Auto Insurance Rates, Quotes, Agents & Reviews in NH

Plaistow, NH Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Plaistow, 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.

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Best Car Insurance in Plaistow, New Hampshire

In Plaistow, NH, auto insurance typically costs $1,029. There are numerous vehicle insurance providers In Plaistow, NH, and many of them charge various fees for their services. The price of auto insurance might vary depending on various factors, such as the driver's age and gender, credit score, deductible, number of moving violations, and others. Car owners in Plaistow, NH, who are searching for low-cost auto insurance, have found the right place. Through this research, Zimlon has streamlined the procedure and thoroughly explained these elements.

 

1. Credit History

An insurance company may use an insurance score that's based on information in your credit report to help determine your rates. A low score may mean you're a higher risk, which could lead to higher auto insurance rates in Plaistow, NH. If you have a bad credit score, you may be able to improve it over time by making on-time payments and maintaining a good credit history. In Plaistow, NH, for instance, car owners with excellent credit are required to pay $1,008, while those with poor credit are required to pay $1,678.

2. Age of the driver

The driver's age is one of the main factors affecting car insurance rates in Plaistow, NH. Younger drivers are generally considered to be a higher risk by insurance companies, and as a result, their rates are usually higher than those of older drivers. Younger drivers are more likely to be involved in accidents, and they are also more likely to engage in risky driving behaviors such as speeding and driving under the influence of alcohol or drugs. As a result, insurance companies charge higher rates for younger drivers to offset the increased risk. For instance, young drivers in Plaistow, NH, pay $3,339 for car insurance, and older drivers aged 40 pay $1,318 in that same city. 

 

2. Driving Habits

There are a number of driving habits that affect car insurance rates in Plaistow, NH. Speeding, driving under the influence of drugs or alcohol, driving while using mobile phones, and aggressive driving are all habits that can lead to higher rates. You'll probably get lower rates if you drive a safe car and have a good driving record than if you drive an unsafe automobile and have a bad driving record. In Plaistow, New Hampshire, drivers who use a cell phone while driving will have to pay $236 more overall for vehicle insurance. For this reason, it's essential to drive safely in order to obtain affordable auto insurance in Plaistow, NH.

Factors that can influence the cost of car insurance in Plaistow, 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.


Plaistow, NH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Plaistow, NH with that of other cities in and around Plaistow.

Plaistow Danville Haverhill Newton Hampstead Kingston
Average Insurance Rates $1,029 $1,050 $1,173 $1,008 $987 $1,019

Plaistow, 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 Plaistow, 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)
Plaistow $1,060 $895
Newton $1,038 $877
Atkinson $941 $795
Merrimac $1,011 $854
Haverhill $2,351 $1,986
Hampstead $1,017 $859
Kingston $1,050 $887
Danville $1,082 $914

Plaistow, NH Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Plaistow, 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 $3,339
20 Years $1,322
30 Years $1,018
40 Years $980
50 Years $907
60 Years $920
70 Years $1,071

Plaistow, NH Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Plaistow, 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 $1,811 $247
3 Vehicles $2,717 $370
4 Vehicles $3,622 $494

Savings on 2 Vehicles bundle:$247

Savings on 3 Vehicles bundle:$370

Savings on 4 Vehicles bundle:$494


Plaistow, 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 Plaistow, NH.

Location Average Insurance Cost Post DUI Insurance Rate
Plaistow $1,029 $1,818
Newton $1,008 $1,781
Atkinson $914 $1,615
Merrimac $1,302 $2,357
Haverhill $1,173 $2,124
Hampstead $987 $1,744
Kingston $1,019 $1,801
Danville $1,050 $1,855

Plaistow, 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) $883
Excellent (740-799) $1,008
Good (670-739) $1,072
Average (580-669) $1,399
Poor (300-579) $1,678

Plaistow, 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
Craig Ciampa Liberty Mutual 25 Pelham Rd. Unit 101, Salem, 3079 1-603-898-1747
Bobby Donnelly State Farm 472 State Route 111, Hampstead, 03841-2371 603-329-5666
Michael Lopez Liberty Mutual 25 Pelham Rd. Unit 101, Salem, 3079 1-603-898-1747
Jill Hamilton Lutcf Liberty Mutual 25 Pelham Rd. Unit 101, Salem, 3079 1-603-898-1747
Foy Insurance Group Inc- Salem Liberty Mutual Independent 163 MAIN ST STE 102, SALEM, 3079 603-898-6320
Mary Logue Allstate 55 S Broadway, Salem, 3079 (603) 893-0980
Mullen Insurance Agency Inc Nationwide 236 N Broadway STE E, Salem, 3079 (603) 212-9300
Santo Insurance & Financial Services, Inc None 224 Main Street Suite 2A, Salem, 3079 (603)259-4499
Foy Insurance - Scarborough Travelers 163 MAIN ST STE 102, SALEM, 3079 603-898-6320
The Joseph S. Hills Agency, Inc. None 129 Main St Plaistow, Plastow, 3865 None

Plaistow, 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 +$45 $1,074
Driver's Failure In Showing Documents +$100 $1,129
Driving With An Expired Registration +$106 $1,135
Driving At A Considerably Slow Pace +$223 $1,252
Using A Cellphone While Driving +$236 $1,265
Running A Red Light +$240 $1,269
Speeding +$252 $1,281
Driving A Vehicle Without The Required Permission +$320 $1,349
Driving With An Expired/Suspended License +$694 $1,723

Plaistow, 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 $988
Active Disabling Device $988
Tracking Device $967
Passive Disabling Device $957