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In its early days, Rochester was well known for its lumber and textile industries. Although the Great Depression sent some of these industries either out of town or into bankruptcy, the architecture left behind by these once affluent businesses continues to be a bright spot of Rochester. The town is also home to the state’s famous annual Rochester Fair.
Driving legally in Rochester requires:
| Coverage | Requirements | Most Common |
| Liability Bodily Injury | Not required (30,000/55,000 if purchased) | 100,000/300,000 |
| Liability Property Damage | Not required (25,000 if purchased) | 50,000 |
| Bodily Injury - Motorist Uninsured | Not required (25,000 if purchased) | 10,000/20,000 |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 100 deductible |
Auto insurance is done a little differently in New Hampshire. Technically, you don’t have to purchase any sort of vehicle insurance in order to legally drive in the state. However, you do have to prove that you can pay for all of the damages if you are found responsible for causing an accident. But the process of proving so is so complicated that most drivers just purchase an insurance policy.
Did you know that most New Hampshire drivers are forking out around $82 each month to maintain their policy? As low as this rate may sound, you can do even better if you live in Rochester. Some providers in your area are offering deals as low as $33/mo*!
Nationwide and Liberty Mutual all want to give you the lowest rates in Rochester. But don’t rush to the company offering the lowest monthly premium without looking into them first. You want to make sure you’re getting good customer service in addition to a low monthly bill.
Auto insurance providers consider numerous elements when calculating quotes, among them marital status, zip code, credit score/rating, miles driven each year, and current insurance coverage and limits. Also, premiums differ from business to business. To verify you are still being charged the cheapest fee, look at cheap New Hampshire auto insurance prices over the internet.
There are lots of ways that your car insurance rate can be calculated. But not all of it is out of your control; there are actions you can take to be able to control which discounts you are eligible to get. Listed here are a few of these components in greater detail:
Your car insurance rates could vary depending on the spot where you live. Generally, populous areas have increased car insurance rates as the extra number of car owners on the road raises the likelihood of a collision! The total population of Rochester amounts to 29,745 plus the normal family earnings are $50,558.
As you can see from the chart above, significant accidents are quite rare in Rochester. This is good news, for other than the obvious reasons. When accident statistics are low in a particular zip code, insurance companies usually offer residents lower rates on their policies.
Obtaining inexpensive auto insurance can be hard if you’re vulnerable to auto theft. Certain common vehicle models tend to be alluring to thieves, and also cars or trucks which might be left frequently in large urban centers. The full quantity of stolen cars in Rochester was 25 as recently as 2011. This is still very low, both in total and per capita. This means that Rochester drivers don’t have to worry about spending so much money on their Comprehensive coverage, which is the only type of coverage which pays out on auto theft claims.
In Rochester, there are some Automobile insurance providers who won’t charge you too much of a higher premium for having poor credit. But the more you track your spending habits, pay bills on time, and reduce your outstanding credit balances, the more you can save by raising your score.
Regrettably, a young driver’s lack of driving experience will make it much more confusing to get an affordable insurance policy. You can try to alleviate the stress by applying for special discounts, like Good Student discounts or Driver’s Ed discounts.
Most drivers aren’t perfect. And yet minor citations, like low-level speeding tickets or minor accidents, can send your insurance rates through the roof. Some providers however are offering motorists a break in the form of an “Accident Forgiveness” discount. Contact your local agent to see if your qualify.
The more expensive it gets to repair or replace your vehicle, the more expensive your insurance will be each month. It’s either that, or you take on 100% of the financial stress for yourself to replace or repair your vehicle if it gets stolen or damaged.
These elements may also help you alter what you pay for your monthly premium:
Married couples have a great chance to save on multiple insurance policies. This is because, in addition to bundling your vehicle insurance policies into one, you can add other policies for greater discounts – as long as your provider offers multiple policies, that is.
There are very few companies that still charge different rates for men and women, all other circumstances being equal. Those who do rarely ever charge more than a 2-4% difference. Also, whether that higher rate is applied to males or females will change from one company to another.
If you live and work in Rochester, you can look forward to an average commute time of 22-28 minutes, although some commutes may be a little longer (anywhere from 30 minutes and above). Around 89% of drivers will take their own vehicle when they head to the office, as opposed to the 8-14% of residents who carpool.
Your insurance agent will likely ask you about how many miles you drive yearly, and why you drive (whether it’s for school, work, or leisure). Most people believe that altering these elements by driving less might earn them lower premiums. However, even a drastic cut of 5,000 miles each year won’t save you more than 4-5%.
Raising your deductible is one quick and easy way to lower your monthly premium. But if you’re going to take advantage of this option, make sure to save up a little money to pay that deductible on a rainy day. IF you raise it too high and you can’t afford to pay it in the event your car is damaged or stolen, then it might be a while before you can get your vehicle repaired or replaced.
More than 38% of the people living in Rochester have completed their high school education. Additionally, around 17% have not yet completed all four years of high school. But did you know that those motorists who have pursued advanced degrees often get lower rates on their auto insurance premiums? It’s true! It’s also an even better way to get discounts than getting yourself a fancy job, or making sure you are paid a nice salary.
There are a few choices available for Rochester residents who want to further their education. The Creteau Vocational Center is available for those looking for a good junior college or an associate’s degree. There is also Granite State College, a public institution which is part of the University System of New Hampshire. They offer bachelor’s and graduate-level degrees.
Discovering your individual financial risk can be very challenging or impossible for the typical insurance client. Insurance companies have got an advantage over customers because of their data and experiential understanding. Find out what insurance companies don’t really want most people to discover.
Sources:
New Hampshire Insurance Department
New Hampshire Banking Department
Department of Highway Safety and Motor Vehicles
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