Important Reminder...Add newly licensed drivers to your auto policy!
New Hampshire operates under the Tort system. In the event of an automobile
accident for which you are at fault, claims for bodily injury or property
damage arising from that accident may be filed against you. NH law does not
require you to have automobile insurance however, you must satisfy the NH
Financial Responsibility requirements to operate a vehicle in NH. These
minimum limits are 25/50/25: bodily injury of $25,000 per person; $50,000
for 2 or more persons; and Property Damage of $25,000. We strongly advise
you to carry higher limits. The cost for this extra insurance is low but the
benefits are very high!
Lower Cost Car Insurance for Teenagers
Teens often forget the cost of driving includes auto insurance. Putting Gas
in the tank is only part of the cost of having an automobile. Rates for
teens are higher for a variety of reasons, including a lack of experience on
the road. Insurance as a concept is based on the idea of sharing expenses
among a group of individuals where the risk is calculable. It is important
to note that, as a group, teens are involved in a greater number of auto
accidents where critical and fatal injuries are incurred. In fact, the
leading cause of death among young people between the ages of 16 and 20
years is auto accidents. That factor naturally translates into higher rates
for youthful drivers.
How to lower Auto Insurance Premiums
Get on the Honor Roll and stay there -students who maintain a B
average or better are offered lower rates by most insurers.
Drivers Education - Many insurance companies offer lower rates for
coverage to those students who have completed a qualified driving course.
Don’t let a good thing get away from you - Normally when you first
get your license you’ve got a clean record with motor vehicles. Sometimes as
little as one ticket early on can increase you insurance cost two or three
times what it was.
Think Safety When Choosing a Vehicle and When Driving - Driving an older
vehicle that is loaded with safety features helps keep rates down. If the
vehicle you
Don’t Drink and Drive!! - If you are under age it is illegal to drink! Remember that when a person is performing an illegal act, the insurance coverage could be nullified. More than half of all fatal accidents involving teen drivers are alcohol related. Don’t become part of the statistics.
Compare Policies and Rates Carefully - Rates vary greatly from one company to the next. It is usually less expensive to be on your parents policy than to try and get one of your own if you are not yet 21. We at Brownell Insurance Center are willing to explain any questions you may have regarding auto insurance and will give you competitive quote information.
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Facts on Dogs and Heat |
| • Many pets die
each year as a result of being left in parked cars during warm weather. • Temperatures inside a parked car, even with the windows open and in the shade, can rapidly reach very dangerous levels even on a relatively mild summer day. • A dog’s normal body temperature is about 102 degrees Fahrenheit. Because of a limited ability to sweat, even a short time in a hot environment can be life threatening. • A dog can withstand a body temperature of 106 degrees Fahrenheit for only a very short time before suffering irreparable brain damage and even death. |
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