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Is it possible to get affordable car insurance for high risk drivers?


If you have a less-than-perfect driving record, it can be difficult to find an insurance company that provides affordable car insurance for high risk drivers -- or "non-standard" insurance.

At Simone Insurance, we understand that accidents can happen to anyone at any time. That's why we offer affordable policies that help you get back on track. You may be considered a high risk driver if any of the following apply:

  • You have multiple speeding tickets or traffic violations in a short period of time
  • You have more than 6 points on your driving record
  • You've had at-fault accidents while uninsured
  • Your record includes a DUI/DWI conviction
  • You're a teen driver
  • You've had a lapse in coverage

Looking for affordable insurance? We know that it can be difficult to find the right insurance that fits your needs. That's why, here at Simone Insurance, we want to help you make sure you get the right coverage that fits your needs. Call today 603.812.6474.



3 easy ways to get an affordable car insurance quote

Call us today and find out how much you can save. You may qualify for a discount for even cheaper auto insurance.

  • Get affordable auto insurance online

  • Call today 603-436-3922


What is it? Homeowners find that "enough" HOME INSURANCE means a sufficient amount to rebuild their home. Remember that the foundation and the land are not covered under the policy and therefore will not figure into an insurance settlement. When determining the replacement cost of your home do not use the sale price, the tax assessment or the value the mortgage company calculated. All these can vary greatly from the construction costs.


This information was compiled to help consumers answer some of the most frequently asked questions about homeowners insurance. Additional questions or comments should be made to the Division of Insurance or please call today 603-436-3922.

auto insurance, home owner insurance

Replacement Cost
It's the amount to repair or replace the damaged property using materials of like kind and quality, without deduction for depreciation. Depreciation is the loss of value that develops as an item ages or wears. Actual Cash Value is the replacement cost of an item, less the amount for depreciation. A new option available to consumers is modified or functional replacement cost. At the time of a loss, modified replacement cost will restore the home to a functional condition.

Flood Insurance

In most cases, insurance companies have the option to replace the item, if possible, through their vendor of choice. They do this because they generally can replace your item at less cost because of their ongoing business relationship with a specific vendor. Should you decide not to replace the item, your insurer may pay you only the amount that they would have spent to replace the item through their vendor.


Most homeowner policies do not provide coverage for damages resulting from flooding. If you live in a flood-prone area, you should consider and may be required by your lending institution to purchase a flood insurance policy. The National Flood Insurance Program makes federally-backed flood insurance available to property owners many New Hampshire communities that have agreed to adopt and enforce floodplain management ordinances. If you wish to purchase flood insurance, you may do so by contacting one of us.



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Auto and car insurance
Auto and car insurance
Auto and car insurance
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