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  • Business
    • Industries
      • Camps
      • Condominium Associations
      • Country Clubs & Golf Courses
      • Cranes
      • Craft Beverage
      • Health Clubs
    • Industries cont.
      • Human & Social Services Insurance
      • In Home Health Care
      • Long Term Care Facilities
      • Manufacturers Insurance
      • Religious Organizations
      • Restaurant Insurance
    • Products
      • Bonds
      • Builder’s Risk
      • Commercial Auto
      • Cyber Attack & Data Breach
    • Products cont.
      • Employment Practices Liability
      • General Liability
      • Umbrella
      • Workers Compensation
  • Personal
    • Home
      • Condominium Unit Owner
      • Flood Insurance
      • High Value Home
      • Homeowners Insurance
      • Individual Heath Insurance
      • Renter’s Insurance
      • Rental Property
    • On The Move
      • Antique & Collectible Cars
      • Auto
      • Boats
      • Motorcycle
      • Snowmobile
    • Specialty
      • Event Insurance
      • Travel Insurance
  • Employee Benefits, Life & Health
    • Products
      • Disability Income Insurance
      • Group & Individual Life Insurance
      • Group Medical Plans
      • Individual Heath Insurance
      • Voluntary Benefits
    • Services
      • Benefits Administration
      • Medicare
      • Municipality Benefits Consulting
    • Compliance
      • Compliance Alerts
  • About M&P
    • Vision, Mission & Core Values
    • The M&P Team
    • Insurance Companies M&P Represents
    • Contact Us
  • Request a Quote

Auto

Home Auto

Auto-InsuranceAuto insurance with Melcher & Prescott.

Get the lowest possible rates. With access to more than 20 national, regional and local companies, ensuring you get the lowest rates.

Convenience of just one bill.  Save money and have just one bill by combining your Personal Auto with other policies.

Many ways to Save.

Multiple vehicle. Discounts for more than one vehicle on a policy.

Multi-policy. Discounts, which can offer greater discounts when you have more policies written with the same company.

Good driver. Discounts for drivers with good driving records.

Good student. Discounts for drivers who have B average.

Vehicle safety. Discounts for devices such as airbags, antilock brakes and anti-theft systems

Pay-in-full. Discount for policyholders who pay one annual premium instead of choosing monthly payments

Replacement-CostPopular coverages.

Replacement cost coverage. Ensure that the replacement cost will be based on a new current model year vehicle or the Manufacturer’s Suggested Retail Price for a current year model.

Loan or Lease Gap Coverage. Extend coverage for the difference between the debt you still owe on your loan or lease and the actual cash value of the vehicle.

Other available endorsements. First accident forgiveness, credits for defensive driving courses, full glass coverage, waiver of collision deductible, and loan or lease coverage.

  • Coverage available in New Hampshire
  • New Hampshire Required Auto Insurance

Auto liability. Includes liability coverage for bodily injury and property damage that result due to an accident in which you were at fault

Uninsured/underinsured motorist bodily injury. Covers your injuries when you are involved in an accident in which uninsured or underinsured driver was at fault

Medical payments. Covers certain medical expenses for a specified time period that are incurred due to an auto accident, regardless of fault

Collision. Protects your vehicle should it obtain damage in a collision with another vehicle or other object

Comprehensive. Protects your vehicle in instances of damage or loss not otherwise covered by your base policy, such as hail, theft or vandalism

Towing and labor. Pays for roadside assistance when your vehicle stops working.

Rental reimbursement/transportation expenses. Helps pay rental costs when your vehicle is being repaired after a covered loss in your policy

New Hampshire law does not require that you purchase automobile insurance, unless proof of insurance coverage is needed due to an accident or driving record. If you purchase coverage, the following is the minimum available coverage available:

$25,000 bodily injury coverage per person

$50,000 bodily injury per accident

$25,000 property damage

$1,000 medical payments

Uninsured/underinsured motorist coverage is automatically written at the same bodily injury limit.

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  • Melcher & Prescott Insurance
  • 426 Main St, Laconia, NH 03246
  • 603-524-4535
  • 603-528-4442
  • insure@Melcher-Prescott.com
  • https://www.melcher-prescott.com

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