Car Insurance in Dover, NH
Car insurance in Dover helps you enjoy the best of the New Hampshire coast.
With about 33,400 residents. Dover is the most populated city on the New Hampshire seacoast. There's lots to love about coastal life, including the delicious and abundant seafood and the fishing, hiking and biking opportunities. Drivers do need to be extra careful at certain times such as in the winter and during tourist season. It is always a good idea to have reliable car insurance and to compare rates at least once a year.
COAST buses offer public transit throughout the coastal region. Many Dover residents prefer cars, though, due to their convenience and flexibility. For example, the typical household in the city owns two cars. With vehicles, Dover residents can more easily commute, run errands and explore the region.
Winters in Dover can be hard, with about 16.5 inches of snow per January on average. About four people in Dover are involved in fatalities per year, too. No matter how safely you drive, good car insurance is important. Use VIU by HUB to compare rates and find the best insurance for your needs.
New Hampshire does not mandate car insurance but does need drivers to be financially responsible for any accidents they cause. The state encourages drivers to have at least 25/50/25 minimum liability insurance, although full coverage serves many motorists better.
With 25/50/25 coverage, you have $25,000 liability coverage for bodily injuries to one person you cause in an accident, $50,000 bodily injury coverage for multiple people in an accident and $25,000 coverage for property damage or destruction you cause in an accident. If you get car insurance in Dover, you're also required to have uninsured motorists coverage and medical payments coverage.
Collision and comprehensive are optional types of insurance that many people purchase. For one thing, it is not exactly "optional" if your car is being financed. Most, if not all, lenders require these two types of coverage since they can help with repairing or replacing your vehicle.
Collision coverage applies to instances of collisions with another vehicle or object such as a fence or tree. Comprehensive can cover situations such as hail, fire, theft and contact with an animal such as a deer. Other types of coverage you may want to consider include towing and labor and rental reimbursement.
Motorists pay an average of $97 a month or $1,161 a year for car insurance in Dover. You can adjust how much you pay to a certain extent. For example, if you want to pay less per month, you could consider a higher deductible. The downside is that you will probably pay more out of pocket if you ever need to file a claim.
Factors influencing car insurance rates include your driving history, the make and model of your vehicle and how many miles you drive. Your age, gender and marital status also play a role. Similar information on other drivers in your household matters, too. However, each insurer weighs risks differently. For example, one insurer may place more weight on age than another insurer does. Comparing quotes from multiple insurers can save you a bundle of money on reliable and affordable insurance. Fortunately, VIU by HUB makes comparing rates from various insurers for car insurance in Dover really simple.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
