NH is one of the only states that does NOT require ALL drivers to buy car insurance. However, there are specific times when the NH DMV may require certain drivers buy NH Car insurance.

Simply stated, the SR-22 is a certificate that provides proof of car insurance. It is also referred to as a Certificate of Financial Responsibility. NH Drivers can apply for insurance and once approved can receive an SR-22 from an insurance agent.

There are several reasons why a driver may be ordered by NH DMV to buy auto insurance, including DWI Conviction, driver deemed habitual offender, excessive demerit points or a driver having a motor vehicle accident WITHOUT car insurance.

The following convictions require filing proof of insurance (SR-22):

• DWI - (1st, 2nd, Subsequent, and Aggravated).
• Underage DWI 
• Leaving Scene of Accident.
• Conduct After Accident.
• Subsequent (2nd) offense Reckless Operation.

Atlantic Insurance & Benefit Company in Nashua helps drivers with SR-22 Insurance and yes we have the much desired Pink Slips (written verification of insurance to provide to NH DMV to help you get or keep your license!)
We realize that there are a lot of good people who need an SR-22. No judgment- we are here to help.

If you have questions about how to get an SR-22 or if you have been ordered to provide "proof of financial responsibility" please give us a call at 603-882-2909.

You can also visit the NH DMV here for more info.

Okay.. there's the catch - land and cars for sale are in Canada, Tappen, British Columbia to be exact. 

The Rusty Rasta (Michael Hall) has collected classic cars since he was a kid. He has  a bunch of them for sale - all kinds and in every condition. He is selling what some car enthusiasts would consider paradise. Here is what you get for a just a little over $1 Million (US):

• 5 Acres of land
• 340 Cars (worth anywhere from $500 to $35,000 Canadian!)
• 900 square foot restoration/repair shop
• Additional 1200 square foot building

Don't want to buy the whole thing- but want a classic car- see some examples of what he has for sale.

• 1967 Sunbeam with 66,000 California  $13,500
• 1973 Chevy Camaro (rough) $500
• 1969 Plymouth RoadRunner (open to offers!)

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Check out his facebook page or his website for more info.

Steve Donohue is a classic car insurance agent in Nashua, NH and a classic car buff.

Want to save money on your NH Car Insurance?

Progressive Insurance has introduced a new technology for NH drivers called Snap Shot that can help you save on your NH car insurance premiums. And you can try it BEFORE you decide to switch insurers.

NH Drivers can opt for the SnapShot Plug In device that monitors 3 things:
1. Hard Braking
2. Time of Day
3. # of Miles Driven

It is my opinion that we are at the beginning of a technology revolution in insurance. Often referred to as informatics or telematics. These plug in devices help drivers pay closer attention to their driving habits. MOST of our clients who take advantage of this optional program save money.  Over time the car insurance industry will move toward "usage based insurance" meaning  that you pay for only the insurance you need. Plus insurers can rely upon ACTUAL data about your driving to determine your auto insurance premiums.

​The best part about the Snap Shot is that you can plug in and try the device BEFORE you decide to change insurers. This is a great way for you to see if Snap Shot and Progressive are right for you. 

If you are in Nashua or the surrounding area and want a NH Progressive car insurance quote, or if you want to learn how SnapShot can help you reduce your NH auto insurance premiums please give us a call at 1-603-882-2909.

More Info: See Progressive Snapshot FAQ

Steve Donohue is  a car insurance agent and the owner of Atlantic Insurance & Benefit Co. in Nashua, NH.

Ok, it's April 3rd and there is still snow on the ground here in NH, but it's officially been Spring since March 20th.
Here at Atlantic Insurance & Benefit Company we love all cars, new, used and classic.

We know that our clients love their cars too and a fun part of our job is working with our clients to make sure that their cars get the best auto insurance  for their vintage or classic car.  One of the insurers we work with is Hagerty.

Why Hagerty®?

At Hagerty, they’re as passionate about classics as their clients are. Their deep knowledge of classic vehicles and their owners allows them to offer better coverage for less. They offer:

• Guaranteed Value™ coverage – They’ll agree up front on a fair value for your classic, and in the event of a covered total loss, you’ll receive that full amount, less any deductible or salvage value, if retained. Guaranteed.
• Flexible usage – Classic and collector cars were made to be driven. Whether you’re going to a show or taking a cruise to an ice cream shop, you are protected.
• Hagerty Plus® Roadside Service and Benefits – A comprehensive 24/7 full service roadside assistance program specifically for collector cars. It offers service for lockouts, battery jumps, tire changes, emergency fuel delivery and more. Includes guaranteed flatbed towing with soft straps. Click here to learn more.
• Expert claims handling – Their claims adjusters are trained in classic vehicle repair. In event of a claim, they offer stock original replacement parts and even have specialists on staff to hunt down rare and hard to find parts.
• Low premiums – Because they only protect classics, they’re able to offer insurance at rates considerably lower than daily driver insurance.

Give us a call to make sure your classic car or boat is properly insured, contact us at 603-882-2909 to learn more about a Hagerty Classic Car Insurance policy.  (By the way my favorite car of all time was my 1972 BMW 2002, I had it in college- it was a fun car!)
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Do you have to have car insurance in NH?   No.
​NH likes to be different- and it is. NH is the ONLY state that does NOT require you to buy car insurance.

While it is not mandated it's a good idea to buy NH Auto Insurance and ....  it's cheap!
We are 47! (Meaning that 46 other states have higher auto insurance rates than NH!) The average auto insurance premium in NH is 941 annually - but many of our clients pay less!  You can see how NH Stacks up against other states in this interactive map here.

Average Annual Car Insurance (source Insure.com)
NH  $941
US  $1384

What are the NH State Limits for Auto Insurance? 
In New Hampshire insured drivers must carry at least the following coverages and limits:
Bodily Injury: $25,000 per person and $50,000 per accident.
Property Damage: $25,000 per accident.
Uninsured/Underinsured Motorist: $25,000 per person and $50,000 per accident.
Medical Payments: $1,000 per accident.

What if I want better coverage?
In NH it costs only a MINIMAL amount to buy higher levels of coverage for liability and property damage.
We ran a quote for a client today and the cost to buy up from the NH State mandated limits to the better coverages listed below was just 3.34 month.
Bodily Injury: $100,000 per person and $300,000 per accident.
Property Damage: $100,000 per accident.
Uninsured/Underinsured Motorist: $100,000 per person and $300,000 per accident.
Medical Payments: $5,000 per accident.

How are auto insurance rates in NH calculated?
In NH car insurance companies are allowed to use the following to calculate your rates:

• Age, Gender and Marital Status
• Household Members 
• Coverage Limits
• Location
• Type of Auto
• Use of the Auto
• Credit History 

Auto insurance rates vary widely per person, and by insurer. That is one reason we work with over 40 different insurers to make sure our clients get the lowest rates available.

Where can I get more information about car insurance in NH?
We think that your local Trusted Choice Independent Agency (like us!) is a great resource. Also the NH Insurance Department has some excellent brochures with more detailed information. Please see 2 publications that help to educate the public about car insurance in NH.

NH Frequently Asked Questions About Car Insurance

Your Guide To Understanding Auto Insurance in the Granite State

NH Auto Insurance does not have to be expensive or complicated. As an independent agency we work with you, to answer your questions, and help you get the most attractive car insurance for you and your family.  If you have any questions about  NH SR22's,  auto insurance in NH,  or if you want a NH car insurance quote please call us toll-free 1-888-882-2909. 

CLICK HERE AND DO YOUR OWN ONLINE NH CAR INSURANCE QUOTE

Steve Donohue is an insurance agent in Nashua, NH and a specialist in car insurance.  

 If you are looking to buy NH Dental Insurance in the non-group or individual market the healthcare.gov exchange is NOT the place where you will get the best value.

Here in NH there are several insurers that market to individuals. According the NH Insurance Department there are 12 insurers that sell dental insurance to individuals and families in NH. See full list of NH Dental insurers and their contact info here.

3 Reasons that I suggest buying NH dental insurance off the exchange:
1. More Choices - In NH, on the exchange there are only 5 dental plan designs listed in Hillsborough County. Off exchange Delta offers individuals 6 different dental plans and Ameritas offers 9 dental plan designs.

2. In NH Annual Dental Insurance Maximums are Lower on the Exchange. For adults on the exchange the highest annual maximums are $1000 per person, however Off exchange insurers offers plans that have $2000 annual maximums.  

3. More Insurers- On exchange  there are only 2 dental insurers that market- off the exchange there are 12 different companies that sell individual NH dental insurance.

Overview of NH Dental Insurance 
When it comes to dental insurance coverage there are three common classifications that insurers use:

PREVENTIVE
Most insurers will include Oral Exams, Cleanings, Cancer Screenings and x-rays. Fluoride treatments and sealants for children are often covered in this category. 

BASIC
For most insurers, this category covers fillings, extractions,and emergency or palliative care.

MAJOR
Expect to find more costly items covered under the MAJOR category. These services will include gum disease treatment (perio), root canal therapy (endo), crowns, dentures and denture repair.  

Two popular dental insurers in NH are Northeast Delta Dental and Ameritas. They offer dental plans to individuals, employer groups and even the Medicare population. To get quotes for individual NH dental insurance plans click on links below:

NORTHEAST DELTA DENTAL CLICK HERE TO GET QUOTE or APPLY

Ameritas Life CLICK HERE TO GET QUOTE or APPLY
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Some of the Ameritas plans include VISION coverage for vision exams AND eyeglasses.

If you have questions about your NH Dental Insurance plan, or need help enrolling in a NH or MA Dental insurance coverage please contact Steve Donohue NH dental insurance specialist at 603-882-2909.

Health Savings Accounts(HSA) are a tax-preferred account that let's consumer save and spend money PRE-TAX for many medical expenses. The IRS permits those who have a qualified High Deductible Health Plan the ability to set up and fund an H.S.A.

Some attractive HSA features are as follows:

• Contributions to an H.S.A. by an individual - or employer are tax deductible (like an IRA or 401k)
• Withdrawals are Tax Free for qualified medical expenses (see IRS Publication on what qualifies here)
• Tax Deferred- any monies that grow in an H.S.A. grows tax deferred
• Unlike an F.S.A. there is no "use it or lose it" provision. Unused funds may be kept and used for future medical expenses. 

HSA contribution limits for 2017.
Individual    $3400
Family         $6750
(You can make Catch Up Contributions if you are over age 55  $1000*)

Do you have an HSA Now.....?
Here are the contributions for Last Year 2016. You have until April 18, 2017 to make contributions for tax year 2016.
Individual    $3350
Family         $6750

* Catch-up contributions can be made any time during the year in which the HSA participant turns 55.
** Unlike other limits, the HSA catch-up contribution amount is not indexed; any increase would require statutory change.

For more info on HSA Limits see IRS Publication here.

If you are an employer an want to find out how H.S.A.'s can help you and your employees please call us at 1-888-882-2909.  

Here is a great article on why the term life insurance offered by your employer is just not enough.

Written by Ashely Eneriz of WiseBread (a website that helps people Live Large on a Small Budget) the article states that group term life, especially the employer paid portion is an excellent deal for most employees.

She says that many people underestimate the amount of life insurance that they need and do not consider the following:

• Student loan debt
• Mortgage and other personal debt
• Need for Income replacement
• Future college costs for children
• Funeral costs are higher than what most people expect

She encourages people to buy term life while young and eligible for preferred rates. In NH and MA Term Life Insurance is portable, affordable and easy to apply for (see my article on how easy here!).

It's a great article please take a moment to review her suggestions.