Wilton, NH Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Wilton, 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.
Latest Car Insurance Rates in Wilton, NH
The average cost of car insurance in Wilton, NH, is $1,176. Car insurance plays a very crucial role. For example, suppose you or a passenger in your car met with an accident. In that case, an auto insurance policy may support paying for medical costs and assist with lost wages due to injuries sustained in the accident. Car insurance also helps if you cause damage to someone's property in an accident.
Auto insurance in Wilton is a mandatory expense for every car owner. Getting cars insured and selecting a suitable policy can be tricky and confusing. This article aims to shed light on the factors that affect your car insurance rates, how these factors are calculated, and what you can do to get the best deal.
a. Credit History
Using your credit score to determine the price of your car insurance in Wilton is a common practice. If you have a bad credit score, car owners may face high car insurance rates in Wilton, NH. Therefore, car owners must maintain a decent credit score to avoid paying high premiums in Wilton, NH. For instance, car owners with exceptional credit scores have to pay $1,009, whereas car owners with poor credit scores have to pay $1,918 in Wilton, NH. Hence, the higher the credit score, the lower the auto insurance rates in Wilton, NH.
b. Age of the driver
Teenagers pay $3,816 on auto insurance in Wilton, NH, whereas old drivers aged 40 years pay $1,120 on auto insurance in Wilton, NH. Being young or old is not in your control as no one has the power to change the age of a person. But that does not mean that a car owner cannot afford good auto insurance in Wilton, NH. In addition, older drivers could qualify for special discounts, while younger drivers can save a few dollars by opting for a defensive driving course.
c. Driving Habits
Despite all the technological advances, traffic is still unforeseeable. To be a safe driver on the road, you must follow all the traffic rules and regulations while on the road. Maintaining a clean driving record to decrease your car insurance rates in Wilton, NH, is essential. For example, car drivers running a red light or driving with an expired license must pay +$274 and +$793 extra on the total cost of car insurance in Wilton, NH.
Factors that can influence the cost of car insurance in Wilton, 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.
- Wilton, NH Auto Insurance Rates
- Wilton, NH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Wilton, NH
- Multi Vehicle Insurance Savings in Wilton, NH
- How Credit Score Affects Car Insurance Rates in Wilton, NH
- How DUI Affects Auto Insurance Premiums in Wilton, NH
- Top Auto Insurance Agents Near Wilton, NH
- How Driving Violations Affect Auto Insurance Rates in Wilton, NH
- Wilton, NH Auto Insurance Discounts on Anti Theft Feature
Wilton, NH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Wilton, NH with that of other cities in and around Wilton.
| Wilton | Temple | Milford | Hillsborough County | Mason | Mont Vernon | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,176 | $914 | $1,103 | $1,113 | $977 | $756 |
Wilton, 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 Wilton, 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) |
|---|---|---|
| Wilton | $1,211 | $1,023 |
| Lyndeborough | $1,017 | $859 |
| Milford | $1,136 | $960 |
| Temple | $941 | $795 |
| Greenville | $1,415 | $1,195 |
| Hillsborough County | $1,146 | $968 |
| Mont Vernon | $779 | $658 |
| Mason | $1,006 | $850 |
Wilton, NH Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Wilton, 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 | $3,816 |
| 20 Years | $1,511 |
| 30 Years | $1,164 |
| 40 Years | $1,120 |
| 50 Years | $1,037 |
| 60 Years | $1,051 |
| 70 Years | $1,224 |
Wilton, NH Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Wilton, 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 | $2,070 | $282 |
| 3 Vehicles | $3,105 | $423 |
| 4 Vehicles | $4,140 | $564 |
Savings on 2 Vehicles bundle:$282
Savings on 3 Vehicles bundle:$423
Savings on 4 Vehicles bundle:$564
Wilton, 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 Wilton, NH.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Wilton | $1,176 | $2,078 |
| Lyndeborough | $987 | $1,744 |
| Milford | $1,103 | $1,949 |
| Temple | $914 | $1,615 |
| Greenville | $1,586 | $2,803 |
| Hillsborough County | $1,113 | $1,967 |
| Mont Vernon | $756 | $1,336 |
| Mason | $977 | $1,726 |
Wilton, 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) | $1,009 |
| Excellent (740-799) | $1,152 |
| Good (670-739) | $1,225 |
| Average (580-669) | $1,599 |
| Poor (300-579) | $1,918 |
Wilton, 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 |
|---|---|---|---|
| Hpm Insurance | Liberty Mutual Independent | 633 Elm Street, Milford, 3055 | (603)259-4472 |
| Hometown Insurance Agency | None | 37 Union Square, Milford, 3055 | (603)259-4487 |
| Eaton & Berube Insurance Agency, Inc. | None | 365 Nashua St, Milford, 3055 | None |
| Soucy Financial Serv Inc | Nationwide | 491 Amherst Street STE 1, Nashua, 03063-1259 | (603) 577-9531 |
| Tinglof Insurance, Llc | None | 577 D.W. Highway , Merrimack, 3054 | None |
| Joseph A Keating Ins Inc | Liberty Mutual Independent | 43 GROVE ST, PETERBOROUGH, 3458 | (603) 924-7007 |
| Statewide Ins | Travelers | 206 SOUTH ST, MILFORD, 3055 | 603-673-4500 |
| Statewide Insurance | None | 206 South Street, Milford, 3055 | None |
Wilton, 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 | +$52 | $1,228 |
| Driver's Failure In Showing Documents | +$114 | $1,290 |
| Driving With An Expired Registration | +$121 | $1,297 |
| Driving At A Considerably Slow Pace | +$255 | $1,431 |
| Using A Cellphone While Driving | +$269 | $1,445 |
| Running A Red Light | +$274 | $1,450 |
| Speeding | +$288 | $1,464 |
| Driving A Vehicle Without The Required Permission | +$366 | $1,542 |
| Driving With An Expired/Suspended License | +$793 | $1,969 |
Wilton, 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 | $1,129 |
| Active Disabling Device | $1,129 |
| Tracking Device | $1,105 |
| Passive Disabling Device | $1,094 |