New Hampshire Auto Insurance

Our independent agency proudly serves the auto insurance needs of New England.

An auto insurance policy is a contract between you and an insurance company. You agree to pay a premium, and in exchange the insurance company will pay for specific car-related financial losses during the term of the policy.

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by a collision or other covered event. This may include protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

New England – how much auto insurance is right for you?

Auto insurance requirements vary by state. Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance that covers damages to your vehicle.

As an example, to legally drive in New Hampshire you must have a minimum of:

  • $25,000 of coverage for injuries or death to one person in an accident.
  • $50,000 of coverage for injuries or deaths to more than one person in an accident.
  • $25,000 of property damage coverage per accident.

If you’re liable for an accident and are unable to pay for the injured party’s property and medical bills, the DMV can suspend your license.

Additional Insurance Coverages

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible, which is the amount of money you pay toward repairs before your collision insurance kicks in and pays for the remaining balance. The higher the deductible you’re willing to pay, the less the collision coverage policy will cost.

Comprehensive Insurance

Comprehensive insurance is very similar to collision, but covers damages done to your car in some way other than an accident, such as theft, vandalism, flood, hurricane, theft, windshield damage and fire. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). Although it’s not legally required by any state, you will probably need it if your car is financed.

Insurance for cars, trucks, boats and more!

Kapiloff Insurance Agency offers insurance policies for Classic Cars, Motorcycles, RVs & Motor Homes, Jet Skis & Boats, and ATVs!

Based in Keene and Peterborough, our team understands the auto insurance needs of our customers. We write insurance in New Hampshire and would be happy to help you ensure you have the right coverage for where you live. Contact us for more information today!

Every situation is unique – talk to us today to find out how to get the best price and value on auto insurance and coverage in New England.

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What You Should and Shouldn’t Do
After an Auto Accident