Auto Insurance Laws and Trends in N.H.

Most of the states in the country use either the tort system or the no-fault system of insurance. New Hampshire is one of only two states that do not require motorists to carry any liability insurance at all. Therefore, if you are caught driving without insurance, you will not be penalized. This being said, there are a few points that every motorist in New Hampshire must remember:

1. If you are involved in an automobile accident that is deemed to be your fault, and you do not carry any insurance, then the other party has a right to seek compensation for any injuries or damages.
2. If you have been convicted of a DUI, or if you have accumulated enough demerit points on your driver's license to have it suspended, then you are required to purchase auto insurance.

Theft and auto insurance in New Hampshire

Auto theft is a rising concern in every state, and New Hampshire is no exception. In 2008, the top three vehicles that were stolen in New Hampshire most often were:

• 2000 Honda Civic
• 1996 Honda Accord
• 1998 Jeep Cherokee.

However, even if you own a vehicle with a high theft rate, you may not pay significantly more than the average for auto insurance. Additionally, there are several steps that you can take to avoid having your vehicle stolen:

1. Use common sense: This is the simplest and cheapest way to avoid having your vehicle stolen. Always remove your keys, close your windows, and lock your doors.
2. Install warning devices: Most of these devices will act as visual deterrents and if a thief still tries to break into your car, they will also act as audible deterrents. Such devices include security alarms, security decals, and window etchings.
3. Immobilization devices: These prevent your vehicle from moving unless by the use of the proper key and they also prevent a thief from hotwiring it. Some devices that you can install include a kill switch, ignition disabler, or you can use smart keys.
4. Tracking devices: These are installed to that your vehicle is easier for the police to track down. A GPS is a great device for locating a stolen car more quickly.

Request a free quote for New Hampshire auto insurance today!