And while it is true that the state of New Hampshire does not require good drivers to purchase car insurance, the reality is that, for a number of reasons, well over half of all New Hampshire residents do purchase car insurance.
Why?
To begin with, many people who purchase cars finance their purchase. If you finance your car ? that is, if you make a monthly car payment ? then your vehicle's lien holder will require that you purchase liability, collision and comprehensive car insurance; some lien holders require uninsured motorist coverage as well.
In addition to those vehicles which are financed, the state of New Hampshire only allows good drivers to drive insurance-free. A Driving Under the Influence (DUI) or a Driving While Intoxicated (DWI) conviction will get you three years of state-mandated liability car insurance instantly. A second conviction will up the ante to five years of liability coverage.
New Hampshire also has a system of ?points? which can earn you the distinction of having to buy liability car insurance. Points are added to your record for such things as speeding tickets, running a stop sign or a red light, not obeying a police officer's directions, driving on a sidewalk and several other offenses. The number of points required to trigger the state mandating that you purchase liability car insurance is determined by your age.
But whether the state requires you to purchase car insurance or a lien holder requires you to have insurance before driving off of a car lot, the questions still remains: how do I get affordable car insurance in New Hampshire?
Start by keeping your driving record clean. DWI or DUI convictions are going to cause your insurance premiums to go through the roof.
One of the most dramatic things you can do to lower you car insurance premiums is to increase your policy's deductible. The deductible is the amount of money you agree to pay out of your own pocket before your insurance company is required to pay anything against a claim. Since your insurance company pays less when you have a high deductible, your insurance company charges you less for your premiums.
Next get online and find two or three websites that permit you to make comparisons between different car insurance companies. Fill in the information on at least two of these comparison sites and you should be able to get affordable car insurance and feel confident that you have found the best possible rate for you and your situation that you can possibly find in the entire state of New Hampshire.
Weekend Escapes in New Hampshire
New Hampshire is a great place for your next short trip. Nestled between the more touristy states of Vermont and Maine, New Hampshire offers the same great New England atmosphere that the other states do, but with a quieter feel. Experience the beauty of autumn or the warm charm of a summer day, or maybe even do some skiing, all available in the Granite State. A weekend escape in New Hampshire can be a fun and romantic experience for any couple.
When planning your escape to New Hampshire, it is a good idea to decide what sort of weather you like. If you would love to see the colorful fall leaves, plan to visit New Hampshire between the middle of September and the end of October before it gets too cold. The White Mountains region of New Hampshire offers visitors mountain views with beautiful streams and lakes to sit by and enjoy nature.
If you are looking for the perfect place to stay, we have just the recommendation. Located in Jackson, the Inn at Ellis River offers couples the ultimate escape weekend in New Hampshire. The Inn at Ellis River was voted one of the ?Best in the East? by Inn Traveler magazine, as well as the ?Best Mountain Retreat?. This inn, with its 20 gorgeously appointed rooms and one guest cottage, offer couples who are looking for romance a great stay. Many of the rooms have Jacuzzis or hot tubs, as well as fireplaces, making them cozy and perfect for some alone time. A gourmet country breakfast is offered each morning, along with coffee, tea and a view of the beautiful White Mountains.
While here, be sure to enjoy New Hampshire's 100 most scenic miles, either by hiking, biking or simply walking around and taking in the beauty of New Hampshire. In the winter, skiing and snowshoeing is available on the Inn's property and nearby making it an excellent spot for a romantic snow trip. A heated outdoor pool is available for summer trips, and a game room stocked with darts, billiards and other games is a great place to unwind after hiking or skiing.
Choosing a weekend escape in New Hampshire is a great way to rejuvenate and experience the beauty of New England without the expense of staying in the more popular states of Vermont, Maine or Massachusetts. A trip here can be a romantic and meaningful experience for any couple, and it's definitely a destination you'll want to keep returning to year after year.
Both Larry Nez & Richard Rspad are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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