Free Auto Insurance Quotes In New Hampshire

Reader’s Question:

How much car insurance do I need in New Hampshire, and where can I get free auto insurance quotes?

Alexandra

Manchester, NH

New Hampshire together with the State of Wisconsin are the only two states in America that do not require its motorists to have the minimum liability insurance for bodily injury. This may be due to the conservative view of its lawmakers on regulation. It may also be from the fact that despite stringent laws on car insurance, some motorists still continue to challenge it and openly disobey traffic rules and regulations. This could imply that compulsory insurance laws have not proven to be an effective deterrent against these practices and do not necessarily reduce the number of drivers who do not have coverage in these two states. Meanwhile, other motorists do not have insurance because they cannot afford to pay such high premiums. But even if liability insurance for bodily injury is not required, the State of New Hampshire makes it a requirement for all of its motorists to purchase liability insurance for property damage. This coverage should amount to $25,000. Additionally, uninsured motorist insurance is required to protect against financial difficulty following an accident with an uninsured driver. Although not required, it is important to have Personal Injury Protection (PIP) so as to have enough financial assistance if injuries were sustained after an accident with a driver that does not carry bodily injury liability insurance. Free auto insurance quotes for these types of coverage can be easily taken from various websites of accredited New Hampshire auto insurance companies. These companies also give free auto insurance quotes over the phone so it would also be a good idea to go through the local phone directory.

Will a Speeding Ticket Cause My Car Insurance To Increase?

Reader’s Question:

I got a speeding ticket in Wisconsin. Will this be in my driving record? Will this affect my car insurance in any way?

Diana

Milwaukee, WI

The State of Wisconsin adheres to the Department of Motor Vehicles (DMV) point system. Speeding by a mile through 10 mph will get you 2 demerit points. If you went from 11 to 19 mph above the posted limits, you will likewise be written a ticket, and 4 demerit points will be added against your motor vehicle record (MVR). Six points will be due to speeding for 20 mph or more above the limits. Accumulate enough number of tickets and your driving privileges could be suspended altogether.

Speeding tickets are not offenses you can blithely ignore. They can turn into a financial headache later on. Avoiding speeding and other traffic tickets will not only save you money from paying statutory fines, legal representative’s fees and license reinstatement fees but will also keep you from having to take driver improvement courses that may take up your precious time.

In the case of Wisconsin, a total of 12 points will result in driver’s license cancellation. And since these points will be reflected on your MVR, the points will definitely be seen by your insurance company if your policy is up for renewal, and you may be assessed with higher car insurance premiums.