All about auto insurance deductibles and insurance costs.

Whether you are searching for auto insurance in Merrimack, Nashua, Manchester, or anyplace else in New Hampshire, anyone who has ever shopped for automobile insurance knows that insurance plans are as individual as people simply because so many factors go into determining a given rate. Below are some factors to consider when shopping for auto insurance.

• Type of vehicle: The vehicle itself can be a major determining factor in insurance cost. Usually the more expensive a car is, the higher the insurance rate. Likewise, insurance rates for sports cars are typically higher than those for sedans.

• Use of Vehicle: The amount the car is driven and its main use are also factors. The more a car is driven on the daily basis, the higher the premium.

• Age/Gender: Males under 25 years of age tend to be the most expensive to insure, since rates are based on general accident data. Premiums tend to drop after age 25 or once a person is married.

• Driving Record: Speeding tickets and accidents are sure ways to drive up insurance premiums. The safer you drive, the less you pay.

• Deductibles: This is what you agree to pay with your own money in the event of a claim. The higher deductible you take, the less the overall premium. When choosing a deductible amount, you should consider how much you are willing to pay out before the insurance coverage kicks in.

Additionally, auto insurance falls into two basic categories, collision and liability.

1. Collision insurance pays for damage to or replacement of the insured vehicle only.

2. Liability insurance, on the other hand, pays for damage or injury to another party as well as any legal costs that are incurred.

One may also want to consider rental reimbursement and emergency roadside service plans, which can be invaluable in the event of an accident.

Here are some simple tips to consider in finding the best auto insurance for you.

1. Less expensive cars will be less expensive to insure.

2. A clean driving record will keep premiums lower.

3. Cars that with higher safety ratings are easier to insure

4. Many insurance companies offer discounts if you insure multiple cars with them or if you use them for homeowners or personal insurance plans. Don't be afraid to ask for discounts.

5. Consider joining an auto club. Outfits such as AAA are viewed favorably by insurance providers, and can often result in lower rates as a result.

6. Shop around. All insurance quotes are not created equal.