Car Insurance in Rochester, NH
Car insurance in Rochester, NH, gives you peace of mind that you are protected.
Many of Rochester's 33,169 residents drive despite COAST public transit serving this coastal region of New Hampshire. After all, cars have long offered adventure and freedom. They also help with daily life and tasks such as commuting, grocery shopping and running errands. Public transportation here is helpful but has limited hours and routes. If you have a car or drive, car insurance is necessary for protection and peace of mind.
Winter in Rochester usually means a lot of snow, especially in January. It is the snowiest month, and an average of 15.9 inches falls. Drivers do not always have an easy time in Rochester, which is another reason auto insurance is important.
About nine people in Rochester are involved in fatal car crashes per year. You can help protect yourself and others by wearing a seat belt, staying off your phone and driving with awareness. Car insurance offers another layer of protection. Fortunately, you can easily compare rates for car insurance with VIU by HUB.
New Hampshire, unlike many other states, does not mandate car insurance (unless you have a history of offenses such as driving while intoxicated or being in accidents without insurance). The state does expect motorists to cover expenses in accidents they cause, and most drivers have at least a minimum amount of coverage.
If you get car insurance in Rochester, NH, you should get at least a basic level of 25/50/25 coverage. This means coverage of $25,000 for bodily injuries to one person per accident, $50,000 for bodily injuries to multiple people and $25,000 in property damage per accident. This is liability insurance, though, not aimed at covering your own injuries or property (vehicle).
If you get auto insurance in New Hampshire, you must get medical payment coverage of at least $1,000 to help with your medical expenses from an accident. You also must get uninsured motorist coverage. Not all drivers have insurance (or as much insurance as you do), and this coverage can help in these scenarios as well as hit-and-runs.
Collision and comprehensive insurance can assist in repairing or replacing your car. If you're on a car loan, you are probably required to have these two types of insurance. They can also be wise if your vehicle is high-value, even if it is paid off.
Collision insurance can apply in crashes with other cars and collisions with fences, trees and other objects. Comprehensive can cover situations where you hit an animal as well as situations involving fire, theft and other occurrences to which collision does not apply.
Rochester drivers pay about $98 a month or $1,176 a year in auto insurance. Car insurance in New Hampshire is fairly cheap, but compare rates to find the most competitive and affordable prices for you.
The make and model of your vehicle, the kinds of coverage you select and the policy limits, any discounts you get, and your age, gender, marital status and driving history can influence the rates you pay. The size of your deductible matters, too. All that said, each insurer has its unique way of calculating rates, and you are likely to get quotes for the same types of coverages that can differ quite a bit. VIU by HUB makes the process of reviewing multiple quotes for car insurance in Rochester, NH, very simple so you can find a policy to meet your needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
