Get the Best Rates on Auto Insurance in Concord NH | Safe Driving Saves Money

Safe Driving Saves Money - Get the Best Rates on Auto Insurance in Concord NH

Did You Know?

For better or worse, premium on your auto insurance in Concord NH is a direct result of your driving record. The amount is determined by the insurance company, to cover the costs of insuring you and your family as drivers on the road. Want to lower your NH auto insurance premium? Keep your driving record clean!

Drive Safe & Save Money on Auto Insurance in Concord, NH

Here’s How It Works.

Premium Prices:

•  Before giving you a premium price quote for your automobile coverage, insurance companies look at your driving record for the last three to five years.

•  Your driving record reveals how risky you would be as an insured.

•  Those with lots of tickets and/or accidents are considered more of a potential liability because statistically, they will get into more accidents and have more tickets in the future.

Safe Driving Pays:
  • If you have no accidents or tickets (especially moving violations) on your record recently, you may be eligible for a lower rate.
  • You may also be eligible for a significant discount after several years of good driving.
  • You may also be eligible for an accident forgiveness program if you’ve gone several years without an accident on your record.
Safety First

A good driving record can also reduce your deductible! For each year that you go without an accident or ticket, you may be eligible to do away with your deductible completely. This is extremely beneficial for those who elect a higher deductible in exchange for smaller premiums.

If you’re looking for lower rates on your auto insurance in Concord NH, in addition to safe driving, you can get a free quote from our agency. We compare options from over 20 top-rated insurance carriers, and find you the best fit for your budget and coverage needs! Request a free auto insurance quote today. 


This flyer is for informational purposes only and is not intended as professional advice. © 2008-2010, 2016 Zywave, Inc.  All rights reserved.

Agency Roundup March 2020 | Featured NH Events & News

Agency Roundup March 2020 | Featured NH Events & News

New Hampshire Insurance Freebies

Commercial Insurance Free Resources

Coronaviruses and the workplace: Discusses actions employers can take against deadlier variations of coronavirus that have cropped up in recent years.

6 Signs of Employee Burnout: This infographic provides an overview of six of the most common signs of employee burnout, as outlined by the World Health Organization. 

Personal Insurance Free Resources

To reduce the potential for danger, walk through your home and identify all items that use electricity. Apply the recommended precautions to reduce the risk of shock and burn injuries.

Featured New Hampshire Events

Out & About | March 2020

Crafts, Drafts & Barrels

Friday, March 20, 2020 at 6:00 PM

at the McAuliffe-Shepard Discovery Center 

When you attend Crafts, Drafts & Barrels evening of beer, wine and spirit tasting you’re making a difference in the lives of family, friends, and neighbors receiving care at Concord Hospital Center for Cardiac Care, all while sampling craft beer, quality wine and exceptional spirits from some of the best breweries, vineyards and distilleries in the State and throughout the world.

Purchase Your Tickets To Crafts, Drafts & Barrels

27th Annual NSKS Run & Walk for Food & Shelter

Sunday April 5, 12PM
Muldoon Fitness Center at Rivier University

All proceeds benefit programs at the Nashua Soup Kitchen & Shelter

Register for the Race

2020 Payson Center for Cancer Care Rock’ N Race

Thursday, May 14, 2020

Event proceeds from Rock’N Race support the HOPE Resource Center located inside Concord Hospital Payson Center for Cancer Care. The HOPE Resource Center provides cancer patients, survivors, and their families with access to important services – most free of charge – such as including family support, financial counseling, nutrition guidance and nurse navigation.

Donate to the Davis & Towle Rock ‘N Race Team! 

Register or Learn More

Looking for insurance in Concord, NH? 

Submit our form for a free insurance quote:

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News & Articles From Our Agencies Around The State

Agency Wide Updates

From Meredith Insurance Agency

March is National Credit Education Month

Your credit history is vital to your future. Therefore, regular maintenance of your credit is a must. Follow these guidelines to ensure your credit remains on target.

From Eaton & Berube Insurance

Eaton & Berube Insurance Donates $100,000 to The Nashua Soup Kitchen and Shelter

Davis & Towle March Article

Everything You Need To Know When You File An Insurance Claim

To help you file a claim with ease, we have compiled some useful information you need to make the best of this trying experience. 

Henniker Office Temporarily Closed

Our office in Henniker will be closed for the while it undergoes renovations. Your dedicated service team in Henniker can still be reached using the same phone number, and you can visit them here in Concord until renovations are complete!

Everything You Need To Know When You File An Insurance Claim

Many people are flustered when they file an insurance claim given that claims typically follow devastating events like car accidents, illnesses or home fires. To help you file a claim with ease, we have compiled some useful information you need to make the best of this trying experience.

Consider the following recommendations to increase the chance that your auto or home insurance claims will be processed successfully. Better yet, put these tips in your wallet or post them on your fridge.


When you are involved in an automobile accident, remember these important items:

• Do not apologize to other drivers involved or admit fault under any circumstances.

• Describe what occurred to law enforcement and to your insurance company. If you are unsure, leave it to the authorities.

• Always contact your insurance company immediately after an auto accident.

• Do not talk to the other driver’s insurance company; let your company represent you throughout the ordeal.

When your home is flooded, or you have water damage to your home, keep in mind the following:


• The term “flood” in the insurance world refers to water damage resulting from an overflow of a nearby stream or river. Even if your sump pump did not work and you have 6 inches of water in your basement, you are not dealing with a flood.

• Making references to the wrong terms can cause home insurance or auto insurance claims to be denied or elongate the process.

• Review your homeowners insurance policy to determine what it covers with regard to water damage.

• Do not make guesses about how accidents occurred. An insurance investigator will determine the exact cause of the claim in question.

When you have a health insurance claim:

• Avoid calling procedures experimental, investigational or a clinical trial. The claim may be denied if the treatment is seen as unnecessary.

• Do not sign any medical record releases. It is illegal for an insurance company to access your records without your consent, and they should not need them to process the auto or home insurance claim.


The most important thing to remember when filing an insurance claim is to provide only the necessary information. Do not speculate and do not judge; simply give the facts and the insurance company will take care of the rest. We are always here for you. Feel free to contact Davis & Towle Insurance Group in Concord New Hampshire, for assistance throughout the claims process.


Get In Touch


Agency Roundup February 2020 | Featured NH Events & News


February 2020

New Hampshire Insurance Resources & Downloads : February 2020

February is Insurance Careers Month

Insurance is on eof the most promising industries with a bright future and a sweeping range of careers. But it remains one of the most underrated career paths. Here are some resources to help young professionals and individuals looking for a stable job in New Hampshire, learn about what the insurance industry can do for them.

Around Town February 2020:

Featured Events in New Hampshire. 


Lake Winnipesaukee in Meredith, New Hampshire

February 8-9, 2020


The Barn on the Pemi, Plymouth, NH

Friday, April 3, 2020

Featured News From Davis Towle Agencies Around The State

Henniker Office Temporarily Closed

Our office in Henniker will be closed for the while it undergoes renovations. Your dedicated service team in Henniker can still be reached using the same phone number, and you can visit them here in Concord until renovations are complete!

From Noyes Insurance Agency

Ever wonder what dictates the rate you’re being charged for NH home insurance?

From Meredith Insurance Agency

Get the scoop on Auto Insurance Discounts that don’t require a coupon.

Join Eaton & Berube in Supporting the Nashua Soup Kitchen and Shelter

Register for the NSKS Annual Run & Walk on April 5th!

New Hampshire Life Insurance Coverage Calculator

New Hampshire Life Insurance Coverage Calculator

Get a life insurance quote from our friendly Life & Health Insurance department.

Request a quote

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Need Jewelry Insurance? Here’s how to use an Inland Marine Policy

How to insure jewelry using a NH Inland Marine Policy.

I was recently asked some thoughtful questions on the insurance options available for personal jewelry. Given the many options and types of coverages available, I thought this was a “valuable” blog topic!

Should I add insurance for my new jewelry?

There are two main reasons you would want to insure a personal jewelry item with an inland marine policy:

1. The basic New Hampshire homeowners policy limits the amount that would be paid for jewelry in the event of a theft.

2. A deductible would typically apply to a loss that’s covered by a basic homeowner’s policy. But when jewelry is covered individually on an inland marine form there is usually no deductible involved (unless that option is specifically requested).

When a jewelry item is covered with an inland marine policy, most insurance companies offer two different loss settlement options:


• Optional agreed value loss settlement
• A traditional “repair/replacement cost” settlement option

Options to insure your jewelry purchase:

For an additional premium, the agreed value option will simply pay the amount for which an item is listed on the policy. For this loss settlement option you may need to supply a recent appraisal or a bill of sale to substantiate the value for which the item is insured.

The traditional repair/replacement cost option is the default option on a scheduled personal property endorsement to your homeowners policy in Concord NH. It gives your insurance company the option to replace an item at an amount lower than the value listed on the policy. This would happen if this lower amount would return the item to its original condition or replace the item with one of like kind or quality.

Although the repair/replacement option puts a customer in the same position as before a loss, I often hear that the agreed value option provides a more satisfying claims experience for the policyholder because the settlement tends to match the expectations of even the most meticulous clients. For this reason, I typically recommend choosing the agreed value loss settlement option if available.

Some companies also offer a blanket inland marine form, which allows a policyholder to have additional jewelry coverage limits without having to list every individual item. This form is best for a situation where a customer owns many smaller value items, as this form has a per item limit.

One last option offered for jewelry coverage is paying a lower premium for items kept in a vault. To be specific, the lower rate charged for this option is intended for items kept in a bank vault, away from the your home. The discounted rate is given with the idea that jewelry off-premises would not be harmed by an event at your home such as fire or theft.
With all of the options available to protect your jewelry, the best thing you can do is talk to us to see which coverage will be most “valuable” to you!

Looking to add jewelry to your homeowners insurance policy in NH?

Contact our agency in Concord to get an insurance quote for new coverage, or quote your current coverage for better insurance pricing.

Quote My Coverage

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The coverages here are described in the most general terms, and are subject to the actual policy conditions and exclusions. For actual coverage wording, conditions, and exclusions, refer to the policy or contact your agent.

WATCH: Insurance 101 – Insuring Your Valuables (Scheduled Personal Property)


Post authored by Dave Stefanowicz. Originally published August 22, 2014. View original post at:


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