Pros and Cons of Commuting to College

More and more students are choosing to attend college near home to commute to classes easily. With more Manchester, NH students living at home, they save money by not being a campus resident but instead being a commuter student. There are many things to consider when your child decides to be a commuter student. 

To discuss your child’s commuting to school’s impact on your auto insurance, call the experts at Associated American Insurance. 


There are many benefits to commuting to college classes. Below are some of those pros your family may experience if your child decides to live at home while going to college. 

  • Save on Room and Board: College room and board average a little more than $10,000, depending upon the college. Commuting to college saves this money for other expenses. 
  • Freedom: Some colleges do not allow students (at least freshmen) to have a car on campus. Being a commuter student ensures your child has access to a vehicle and the freedom to go where they want. 
  • Family Support: Some children like their family support and can benefit from living at home while attending college. 


Though staying at home and commuting to college have many benefits, there are some disadvantages. Here are some of those cons some families experience when their child starts driving to college. 

  • Vehicle Wear and Tear: Commuting to college classes adds more wear and tear to the vehicle, costing more money for upkeep, repairs, and gas. 
  • Campus Life: Though commuter students can quickly drive back to campus for events and activities, there is a chance some of these things are missed by not living on campus. 
  • Traffic: Commuting to school from home means there is a chance of hitting traffic.

Deciding to commute to college in Manchester, NH is a significant decision you and your child need to make together. First, discuss the options with your child, and then give us a call at Associated American Insurance to ensure your child is fully covered during their ride to school. 

Buying A Vehicle? Here Is What You Need To Know About Auto Insurance

After endless online searches and dealership visits, you have now narrowed on the car of choice, and the only thing on your mind is our fast you can hit the road. However, amid the excitement, don’t forget about auto insurance. 

If you are new in the insurance world, it can be challenging to pick the right coverage and one that provides you with optimal coverage. The good news is that Associated American Insurance is here to delve into the ins and outs of auto insurance. In light of this, here is what you need to know when shopping for auto insurance.

Auto insurance isn’t mandatory in New Hampshire

Unlike many states, NH doesn’t require drivers to carry auto insurance. However, drivers must pay for property damage, medical expenses, and other liabilities when involved in an accident. That said, whether required by law or not, carrying auto insurance is one of the best investment decisions you will make.

There are several auto insurance options

Manchester, NH drivers face several risks whether driving on the streets or having their car parked in the driveway or garage. As such, you need to consider various auto insurance coverages that you can add to your home insurance. These are:

  • Property damage coverage to protect you against damages caused to third-party properties.
  • Bodily injury coverage to pay for medical expenses for injuries sustained by others in an accident in which you are at fault. 
  • Roadside assistance to bail you when your vehicle is disabled on the roads. 
  • Comprehensive and collision coverages to protect your vehicle against accidents and perils like theft, vandalism, fire, falling objects, and other risks stated in your policy.
  • Medical payments to cover medical expenses and funeral expenses for you or your passengers when involved in an accident.

Your driving record affects your auto insurance rate

Car insurance doesn’t come cheap, and if you are a careless, inattentive, and aggressive driver, it doesn’t get better. While insurance companies look at other factors like age, gender, occupation, location, and car model when computing insurance rates, your driving history has a say in the computation. To that end, become a responsible driver on the roads, and the car insurance premium will be gentle on your wallet.

Do you need more information on auto insurance? Talk with Associated American Insurance located in Manchester, NH. Our passionate team will be more than happy to help you. 

When do you need auto insurance in New Hampshire?

The Manchester, NH area is a great place for anyone to work or live in. Those that are in this area of New Hampshire will be much more efficient if they own a car. When you are a car owner here, it is very important that you get proper insurance for it. There are a couple of reasons that car owners here need to get proper insurance for it.

Insurance Protects Vehicle

The main reason that people here do need to get insurance for their car is that it can protect their assets. Buying a car is a big purchase and the asset is something you will rely on for a long time. Due to this, you should try to protect it as well as possible. When you get a full collision and comprehensive policy, it will give you protection to offset the risks of damage and theft. 

Insurance is a Requirement

You will also need insurance as it can be a requirement. Those that want to drive a car in this state will be required to at least carry a minimum level of liability insurance. This insurance coverage gives assurances that you will be able to pay for any accidental damage you may cause. If you do not have the protection, you could be penalized. 

There continue to be many reasons to get auto insurance when you are in the Manchester, NH area. If you are in the market for a new policy here, you should call the team at Associated American Insurance. When you speak with the team at Associated American Insurance you can learn a lot more about the different insurance options that you have. They can then give you the support needed to choose a new policy that meets all of your needs. 

When is auto insurance required for someone in New Hampshire?

For a lot of people, owning a car in the Manchester, NH area is practical necessity. If you are a car owner here, you do need to make sure that you get the insurance you need. There are a variety of situations when having auto insurance will be required for someone in this area.

When Driving on a Public Road

If you are going to get a car and drive it on a public road in New Hampshire, you need to make sure that you have the right auto insurance. An auto insurance policy is going to be required to ensure you have the ability to pay for damages that you could cause in an accident when driving. 

When Taking out an Auto Loan

Many people that purchase a car are also going to take out a loan. If you do take out a loan, you need to review the section of your loan agreement that discusses your auto insurance requirements. In most situations, you are going to need to have a full auto insurance policy that provides you with both collision and comprehensive insurance coverage. The lender may also require that you have a reasonably low deductible. 

There are a lot of situations when someone in the Manchester, NH area will need to get auto insurance. When you need to get a new policy, it is important that you spend time thinking about your needs and choosing a policy that is right for your situation. The team at Associated American Insurance can be a great resource when you are looking for a new insurance policy. When you call Associated American Insurance, you can receive a lot of support and guidance that is needed to pick a new policy that is right for your situation. 

A guide to picking the right auto policy

There are various types of coverages available for auto insurance. It is essential to understand the differences in the policies available, so you can build a plan that makes the most sense for you. If you live in the Manchester or Concord, NH area and are unsure what options you have, please reach out to an agent at Associated American Insurance today. 

Liability insurance

Each state typically has a minimum amount of liability coverage drivers need to carry. Liability coverage is essential because it protects you when you cause an accident. It can help pay for the damage to the other persons’ car or property as well as their medical bills. Because liability claims under an auto policy can add up quickly, drivers should consider carrying limits higher than what is required by the state.

Collision coverage

Collision coverage will pay to have your car repaired in the event of an accident. If your vehicle is totaled, it would pay you the value of your vehicle. If you have an expensive car, this coverage is essential. This may also be required by a lender if you have a loan on your vehicle.

Comprehensive coverage 

Comprehensive coverage is insurance for when something happens that is not an accident. For example, if your car was in the garage, and it burns down, or your vehicle is stolen, comprehensive coverage would pay out the value of the car. 

Personal injury protection  

It is important to remember that the medical coverage under the liability portion of the policy only covers the third person injured as a result of the crash. PIP covers your medical bills and the bills of the passengers in your car. 

Uninsured /Underinsured Motorist Protection

Although all states require liability coverage; some drivers do not follow the rules. If you are in an accident with an uninsured driver, you may not be able to collect any money from them for medical bills or damage to your car. It will also cover you if the driver does not have enough coverage to fully reimburse the damages.

If you live in the Manchester or Concord, NH area and would like to discuss your auto policy, please reach out to an agent at Associated American Insurance today. We can help you get a quote and answer your questions.