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Cheapest Car Insurance in New Hampshire

While New Hampshire doesn’t mandate insurance, drivers must meet financial responsibility requirements in case of accidents. Read on to know all about the cheapest car insurance in New Hampshire.
cheapest car insurance in New Hampshire
Cheapest Car Insurance in New Hampshire
This blog details options available for the cheapest car insurance in New Hampshire. Thorough research, planning, and comparison go a long way in making a sound decision.
In this article

Navigating New Hampshire’s car insurance market reveals intriguing insights. New Hampshire presents rates significantly under the national averages at an average yearly expense of $1,262 for full coverage and a minimal $319 for minimum coverage. Despite New Hampshire’s drivers paying $1,530 per year, slightly less than the U.S. average of $1,543, the state’s overall average insurance rate stands at a commendably affordable $999 yearly – a staggering 35% below the national average. In this comprehensive guide, we delve into the intricacies of New Hampshire’s insurance landscape and try to zero in on the cheapest car insurance in New Hampshire. 

We aim to unravel the most budget-friendly and suitable policies designed to cater to a diverse spectrum of drivers, encompassing varied demographics and driving histories. Join us as we uncover the pathways to securing the cheapest yet reliable car insurance options tailored to New Hampshire residents.

Cheapest Car Insurance in New Hampshire

In January 2024, New Hampshire’s average full coverage insurance is $1,262 annually, significantly below the national average. Moreover, the state’s average cost for minimum coverage car insurance, at just $319 per year, also falls notably below the national average. Despite these favorable figures, our comprehensive assessment of various insurers reveals even more cost-effective alternatives in New Hampshire’s insurance landscape. This thorough evaluation aims to unveil the most competitive and budget-friendly coverage options available to consumers in the state.

What is the Cheapest Car Insurance in New Hampshire?

In New Hampshire, car insurance rates, aligning with the national average, amount to $1,530 annually, slightly below the U.S. average of $1,543 annually. According to our analysis, USAA offers the most affordable car insurance rates in New Hampshire, providing a sample rate of $738 annually. However, since USAA policies are exclusive to the military community, non-military drivers might discover that Auto-Owners Insurance presents the most economical option with an average premium of $758 per year.

COMPANYAVERAGE RATE
Allstate$1,774
Auto-Owners Insurance$758
Farmers$2,395
Geico$1,101
Nationwide$1,148
Progressive$1,540
State Farm$830
The Hanover$3,483
USAA$738
Statewide Average$1,530

How We Chose the Cheapest Companies in New Hampshire

Our meticulous approach to selecting the most cost-effective car insurance companies in New Hampshire involved a comprehensive methodology rooted in data analysis. We meticulously evaluated premium quotes from numerous insurers, examining various coverage options, demographic considerations of policyholders, and regional influences. Beyond solely comparing rates, our assessment encompassed considerations such as available discounts, customer satisfaction, and the insurers’ financial stability. This thorough process ensures our recommendations prioritize affordability while emphasizing superior service quality and reliability for New Hampshire residents.

Comparing car insurance quotes can help you zero in on the best deal that falls within your budget and provide the coverage you need in case of an accident. You can use Beem to find the best insurance quotes to help you make the right choice.

Cheap Car Insurance in New Hampshire

In New Hampshire, car insurance rates fall close to the national average, with drivers paying approximately $1,530 annually, slightly under the U.S. average rate of $1,543 annually. However, it’s important to note that several factors beyond location influence auto insurance rates. Elements such as a driver’s age and driving record impact insurance premiums in the state.

New Hampshire Rates for Teen Drivers

In New Hampshire, insuring teenage drivers can be notably costly due to their higher risk factors. According to our analysis, Auto-Owners Insurance offers the state’s most economical rates for teen drivers, averaging around $1,868 annually for females and $2,011 for males. These figures starkly contrast with the average statewide rates for teenage drivers, which typically amount to $5,619 for females and $6,421 for males. As such, Auto-Owners Insurance presents a significantly more affordable option compared to the state averages for insuring teen drivers in New Hampshire.

COMPANY17-YEAR-OLD FEMALE17-YEAR-OLD MALE
Allstate$3,854$3,854
Geico$3,209$3,280
Nationwide$3,989$5,236
Progressive$9,214$10,231
State Farm$2,756$3,417
USAA$3,070$3,289
Statewide Average$5,619$6,421

Cheapest for 20-year-old Drivers

Obtaining affordable car insurance poses challenges for those in their 20s due to high insurance costs. As drivers in this age group gain more experience, premiums tend to decrease. However, some insurers consistently offer competitive rates for young drivers, emphasizing the importance of exploring multiple quotes for cost-effective options.

Cheapest full coverage car insurance in New Hampshire for 20-year-olds

For comprehensive coverage in New Hampshire, three companies offer the lowest rates for 20-year-olds: MMG at $145 monthly, Concord Group at $151, and The Hanover at $155 monthly. These insurers cater to clean driving records, providing yearly rates below $1,900.

Cheapest minimum coverage car insurance in New Hampshire for 20-year-olds

If seeking minimal coverage, consider The Hanover offering at $29 per month, Concord Group at $60 per month, and MMG at $65 per month. These companies provide basic coverage to 20-year-old drivers in New Hampshire for an annual premium under $800.

Cheapest auto insurance in New Hampshire for 20-year-olds with poor credit

For 20-year-olds with poor credit in New Hampshire, Concord Group offers coverage at $89 per month, followed by Patriot Insurance at $94 per month and Geico at $95 per month. These insurers provide minimum coverage options, accommodating drivers with poor credit scores.

Cheapest auto insurance in New Hampshire for 20-year-olds with one speeding ticket

Drivers in New Hampshire with a recent speeding ticket can find affordable coverage with The Hanover at $29 per month, Concord Group at $69 per month, and Encompass at $76 per month. These companies offer minimum coverage tailored for individuals with one speeding violation.

Cheapest auto insurance in New Hampshire for 20-year-olds with one at-fault crash

In New Hampshire, drivers with an at-fault crash can consider The Hanover at $37 per month, Concord Group at $89 per month, and MMG at $95 per month for minimum coverage. These insurers accommodate drivers with recent at-fault accidents at competitive rates.

Cheapest auto insurance in New Hampshire for 20-year-olds after a DUI

Following a DUI in New Hampshire, The Hanover offers coverage at $42 per month, followed by Progressive at $88 per month and Concord Group at $106 per month. These insurers cater to individuals with a DUI record, providing affordable minimum coverage options.

Cheapest for 30-year-old Drivers

Entering their thirties, individuals can expect more promising and affordable car insurance rates than in their teens or twenties. While age notably decreases insurance costs, factors like driving history and vehicle type still affect pricing. To secure reduced premiums, 30-year-old drivers should explore insurance options and leverage available discounts, emphasizing competitive rate shopping.

Cheapest full coverage car insurance in New Hampshire for 30-year-olds

In New Hampshire, 30-year-olds seeking full coverage can opt for MMG at $93 per month, Concord Group at $94 per month, and Safety Insurance at $99 per month. These insurers provide comprehensive coverage at competitive annual rates below $1,200.

Cheapest minimum coverage car insurance in New Hampshire for 30-year-olds

For minimal coverage, The Hanover offers rates at $19 per month, MMG at $29 per month, and Safety Insurance at $31 per month for 30-year-old drivers in New Hampshire. These companies provide basic coverage options at annual premiums under $400.

Cheapest auto insurance in New Hampshire for 30-year-olds with poor credit

30-year-olds with poor credit in New Hampshire can consider Concord Group at $136 per month, Mapfre at $154 per month, and Geico at $160 per month for full coverage. These insurers cater to individuals with poor credit scores, offering competitive rates below $2,000 annually.

Cheapest auto insurance in New Hampshire for 30-year-olds with one speeding ticket

For drivers with one recent speeding ticket, The Hanover offers rates at $19 per month, Safety Insurance at $31 per month, and Encompass at $34 per month for minimum coverage in New Hampshire. These insurers accommodate drivers with one speeding violation at affordable annual rates.

Cheapest auto insurance in New Hampshire for 30-year-olds with one at-fault crash

In New Hampshire, 30-year-old drivers with an at-fault crash can consider Concord Group at $136 per month, MMG at $139 per month, and Mapfre at $149 monthly for full coverage. These insurers offer competitive rates for individuals with recent at-fault accidents.

Cheapest auto insurance in New Hampshire for 30-year-olds after a DUI

Following a DUI in New Hampshire, MMG offers rates at $158 per month, Concord Group at $165 per month, and The Hanover at $170 per month for full coverage. These insurers provide cost-effective options for individuals with a DUI record.

Cheapest for 40-year-old Drivers

Forty-year-old drivers generally encounter better insurance rates than their younger counterparts. Still, they might face higher premiums than older age groups. Securing affordable car insurance involves thorough comparison shopping among insurers. Pay-per-mile insurance could benefit those with good driving records who drive less frequently, potentially reducing costs based on mileage. Shopping around and considering tailored insurance models remain crucial strategies for 40-year-olds seeking competitively priced coverage.

Cheapest full coverage car insurance in New Hampshire for 40-year-olds

For comprehensive coverage in New Hampshire, 40-year-olds may consider MMG at $76 per month, Concord Group at $82 per month, and Safety Insurance at $97 per month. These insurers offer annual rates below $1,250 and cater to drivers with clean records.

Cheapest minimum coverage car insurance in New Hampshire for 40-year-olds

Seeking minimum coverage, The Hanover offers rates at $19 per month, MMG at $22 per month, and Concord Group at $28 per month for 40-year-old drivers in New Hampshire. These companies provide basic coverage options at yearly premiums under $400.

Cheapest auto insurance in New Hampshire for 40-year-olds with poor credit

Drivers with poor credit in New Hampshire consider Concord Group at $117 monthly, Mapfre at $143, and Geico at $154 monthly for full coverage. These insurers offer competitive rates tailored to individuals with lower credit scores.

Cheapest auto insurance in New Hampshire for 40-year-olds with one speeding ticket

For drivers with one recent speeding ticket, The Hanover offers rates at $19 per month, Safety Insurance at $30 per month, and MMG at $31 per month for minimum coverage in New Hampshire. These insurers accommodate drivers with one speeding violation at affordable annual rates.

Cheapest auto insurance in New Hampshire for 40-year-olds with one at-fault crash

In New Hampshire, 40-year-old drivers with an at-fault crash might consider MMG at $113 per month, Concord Group at $117 per month, and Mapfre at $138 per month for full coverage. These insurers offer competitive rates for individuals with recent at-fault accidents.

Cheapest auto insurance in New Hampshire for 40-year-olds after a DUI

Following a DUI in New Hampshire, MMG offers rates at $128 per month, Concord Group at $143 per month, and Progressive at $163 per month for full coverage. These insurers provide cost-effective options for individuals with a DUI record.

Cheapest for 50-year-old Drivers

Drivers in their 50s often enjoy more cost-effective car insurance rates, with further reductions anticipated as they near their 60s. Despite potential fluctuations due to factors like gender and location, comparing quotes among insurers is wise. Our list of affordable auto insurance companies is helpful for seeking tailored coverage.

Cheapest full coverage car insurance in New Hampshire for 50-year-olds

For comprehensive coverage in New Hampshire, 50-year-olds can consider MMG at $70 per month, Concord Group at $77 per month, and Safety Insurance at $84 per month. These insurers offer yearly rates below $1,100 for drivers with clean records.

Cheapest minimum coverage car insurance in New Hampshire for 50-year-olds

Opting for minimal coverage, The Hanover provides rates at $19 per month, MMG at $20 per month, and Concord Group at $26 per month for 50-year-old drivers in New Hampshire. These companies offer basic coverage options at annual premiums under $325.

Cheapest auto insurance in New Hampshire for 50-year-olds with poor credit

For 50-year-olds with poor credit in New Hampshire, Concord Group offers $111 per month, Mapfre $130 per month, and Safety Insurance $141 per month for full coverage. These insurers provide competitive rates tailored to individuals with lower credit scores.

Cheapest auto insurance in New Hampshire for 50-year-olds with one speeding ticket

Drivers with one recent speeding ticket might consider The Hanover at $19 per month, Safety Insurance at $26 per month, and MMG at $28 per month for minimum coverage in New Hampshire. These insurers accommodate drivers with one speeding violation at affordable annual rates.

Cheapest auto insurance in New Hampshire for 50-year-olds with one at-fault crash

In New Hampshire, 50-year-old drivers with a recent at-fault crash might consider MMG at $104 per month, Concord Group at $111 per month, and Mapfre at $127 per month for full coverage. These insurers offer competitive rates for individuals with recent at-fault accidents.

Cheapest auto insurance in New Hampshire for 50-year-olds after a DUI

Following a DUI in New Hampshire, MMG provides rates at $118 per month, Concord Group at $135 per month, and Progressive at $147 per month for full coverage. These insurers offer cost-effective options for individuals with a DUI record.

cheapest car insurance in New Hampshire

Cheapest for 60-year-old Drivers

Drivers in their 60s usually benefit from cost-effective car insurance, yet premiums may rise with age. Comparing quotes among insurers is critical to securing affordable coverage. Leveraging senior discounts is wise, ensuring competitively priced insurance for 60-year-olds.

Cheapest full coverage car insurance in New Hampshire for 60-year-olds

In New Hampshire, 60-year-olds seeking comprehensive coverage may consider MMG at $71 per month, Concord Group at $78 per month, and Safety Insurance at $84 per month. These insurers offer annual rates under $1,100 for drivers with clean records.

Cheapest minimum coverage car insurance in New Hampshire for 60-year-olds

Opting for minimum coverage, The Hanover offers rates at $18 per month, MMG at $21 per month, and Safety Insurance at $26 per month for 60-year-old drivers in New Hampshire. These companies provide basic coverage options with annual premiums under $325.

Cheapest auto insurance in New Hampshire for 60-year-olds with poor credit

Drivers with poor credit in New Hampshire consider Concord Group at $112 per month, Mapfre at $130 per month, and Encompass at $140 per month for full coverage. These insurers offer competitive rates tailored to individuals with lower credit scores.

Cheapest auto insurance in New Hampshire for 60-year-olds with one speeding ticket

For drivers with one recent speeding ticket, The Hanover offers rates at $18 per month, Safety Insurance at $26 per month, and MMG at $29 per month for minimum coverage in New Hampshire. These insurers accommodate drivers with one speeding violation at affordable annual rates.

Cheapest auto insurance in New Hampshire for 60-year-olds with one at-fault crash

In New Hampshire, 60-year-old drivers with a recent at-fault crash might consider MMG at $105 per month, Concord Group at $112 per month, and The Hanover at $120 per month for full coverage. These insurers offer competitive rates for individuals with recent at-fault accidents.

Cheapest auto insurance in New Hampshire for 60-year-olds after a DUI

Following a DUI in New Hampshire, MMG provides rates at $119 per month, The Hanover at $134 per month, and Concord Group at $136 per month for full coverage. These insurers offer cost-effective options for individuals with a DUI record.

Cheapest for 70-year-old Drivers

For 70-year-old drivers facing potential insurance cost increases, actively seeking affordable coverage is essential. Comparing quotes among companies is crucial to finding budget-friendly options. Leveraging discounts aimed at seniors, like those for defensive driving courses, helps reduce premiums, ensuring cost-effective insurance coverage.

Cheapest full coverage car insurance in New Hampshire for 70-year-olds

For comprehensive coverage, 70-year-old drivers in New Hampshire might consider Concord Group at $84 per month, MMG at $89 per month, and Encompass at $90 per month. These insurers offer annual rates ranging from $1,011 to $1,076 for clean driving records.

Cheapest minimum coverage car insurance in New Hampshire for 70-year-olds

Opting for minimum coverage, The Hanover offers rates at $20 per month, Vermont Mutual at $28 per month, and MMG at $29 per month for 70-year-old drivers in New Hampshire. These insurers provide basic coverage options with annual premiums under $360.

Cheapest auto insurance in New Hampshire for 70-year-olds with poor credit

Drivers with poor credit in New Hampshire consider Concord Group at $121 per month, Encompass at $140 per month, and Mapfre at $143 per month for full coverage. These insurers offer competitive rates tailored to individuals with lower credit scores.

Cheapest auto insurance in New Hampshire for 70-year-olds with one speeding ticket

For drivers with one recent speeding ticket, The Hanover offers rates at $20 per month, Safety Insurance at $30 per month, and Encompass at $32 per month for minimum coverage in New Hampshire. These insurers accommodate drivers with one speeding violation at affordable annual rates.

Cheapest auto insurance in New Hampshire for 70-year-olds with one at-fault crash

In New Hampshire, 70-year-old drivers with a recent at-fault crash might consider Concord Group at $121 per month, MMG at $133 per month, and Encompass at $135 per month for full coverage. These insurers offer competitive rates for individuals with recent at-fault accidents.

Cheapest auto insurance in New Hampshire for 70-year-olds after a DUI

Following a DUI in New Hampshire, Concord Group provides rates at $147 per month, MMG at $150 per month, and The Hanover at $153 per month for full coverage. These insurers offer cost-effective options for individuals with a DUI record.

How Much Is Full Coverage Car Insurance in New Hampshire?

The average annual cost for full coverage car insurance in New Hampshire is $1,262. Full coverage policies in the state generally encompass liability insurance and comprehensive and collision coverage. While these policies tend to be more costly, they offer increased peace of mind due to the broader protection they afford for your vehicle. Opting for full coverage lowers the risk of out-of-pocket expenses in the event of a claim. Notably, among the most affordable options for full car insurance in New Hampshire are USAA and Nationwide.

Average Annual Car Insurance Rates in New Hampshire by Company

In New Hampshire, the average annual car insurance rate sits at $999, marking a significant 35% reduction compared to the national average. USAA offers the state’s most affordable car insurance rates, boasting a sample rate of $738 annually. However, as USAA policies cater exclusively to the military community, non-military drivers might discover that Auto-Owners Insurance provides the cheapest average rates, with a sample premium of $758 per year.

How Much Is Liability-Only Coverage Car Insurance in New Hampshire?

In New Hampshire, there’s no mandatory requirement for motorists to carry auto insurance. However, those choosing to obtain coverage must secure at least the minimum liability coverage. Opting for minimum coverage often attracts drivers seeking affordable car insurance in New Hampshire. Although minimum coverage doesn’t protect the driver’s vehicle, it caters to those seeking valid insurance. USAA is the most economical company overall for this coverage. Yet, it exclusively serves active duty, retired military members, and their families. For all consumers, State Farm emerges as the next best and cheapest option for liability-only coverage in the state.

Minimum Car Insurance Requirements in New Hampshire

In New Hampshire, the state minimum liability coverage required to drive costs approximately $411 annually legally. While the state doesn’t mandate drivers to carry auto insurance, it enforces certain financial responsibility requirements. Not having insurance and being unable to cover damages after an accident may risk losing your license. However, it’s strongly recommended to purchase auto insurance for protection. New Hampshire mandates a minimum coverage level, including Bodily Injury and Property Damage coverages. These minimum limits are $25,000 per person, $50,000 per accident for Bodily Injury, and $25,000 for Property Damage. Additionally, your policy must include at least $1,000 for Medical Payments coverage and Uninsured Motorist coverage matching your Bodily Injury limits. Many individuals opt for higher coverage amounts than the state minimums. This helps them ensure adequate protection in case of an accident.

Tips for How to Get Cheap Car Insurance in New Hampshire

To secure cost-effective car insurance in New Hampshire, consider these effective strategies tailored to obtaining favorable rates without compromising necessary coverage:

  1. Compare Quotes: Conduct thorough comparison shopping among multiple insurers to pinpoint economical options aligning with your coverage requirements and financial constraints.
  2. Maintain a Clean Driving Record: Your driving history significantly influences insurance rates. Endeavor to uphold a spotless record by avoiding accidents and traffic violations, ensuring eligibility for reduced premiums.
  3. Adjust Deductibles: Opt for higher deductibles to lower premiums. However, choose an amount that remains manageable in case of unexpected incidents.
  4. Seek Available Discounts: Inquire about available discounts, such as those for safe driving records, policy bundling, low mileage, or vehicle safety features like anti-theft systems and anti-lock brakes, to reduce insurance costs.
  5. Assess Coverage Requirements: Familiarize yourself with New Hampshire’s minimum coverage mandates and carefully evaluate your needs. Avoid unnecessary add-ons that could inflate premiums.
  6. Improve Credit Score: A higher credit score often means lower insurance rates. Enhance your creditworthiness by consistently paying bills on time and regularly monitoring your credit report.
  7. Explore Usage-Based Insurance: Some insurers offer insurance programs that calculate premiums based on driving behaviors. This option might lead to potential savings if you’re a safe driver or have limited vehicle usage.
  8. Affiliation Discounts: Check for affiliation or professional association discounts you qualify for, as these affiliations can sometimes unlock additional savings on your insurance premiums.

No-fault Insurance in New Hampshire

New Hampshire operates on an “at-fault” insurance system. This means that in an accident caused by another driver’s negligence, the injured party has the right to pursue compensation for their injuries directly from the at-fault driver. However, New Hampshire does mandate that drivers carry coverage for their injuries, irrespective of fault. This is typically called Medical Payments coverage, known as MedPay. MedPay assists in covering medical expenses resulting from an accident, regardless of fault. It extends to medical bills, health insurance deductibles, and copayments. For New Hampshire residents with auto insurance, the state requires a minimum of $1,000 in MedPay coverage to be included in their policy.

Conclusion

Navigating New Hampshire’s car insurance landscape reveals promising affordability below the national average. While the state doesn’t mandate insurance, drivers must meet financial responsibility requirements in case of accidents. Factors like demographics and coverage needs heavily impact rates. By comparing insurers, understanding state mandates, and seeking tailored coverage, drivers can secure cost-effective options for the cheapest car insurance in New Hampshire. Embracing discounts and obtaining personalized quotes empower individuals to balance comprehensive protection and financial prudence within New Hampshire’s dynamic insurance sphere.

Remember that auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others. 

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FAQs

Is car insurance required in New Hampshire?

New Hampshire does not mandate carrying car insurance coverage. However, individuals must demonstrate the ability to provide funds meeting state financial responsibility requirements if deemed at fault in an accident. Car insurance serves as protection in fault-related accidents or other circumstances.

Which cars are required to be insured in New Hampshire?

Although New Hampshire doesn’t enforce mandatory liability insurance, exceptions exist for individuals convicted of DWI, multiple reckless driving offenses, at-fault crashes when uninsured, or leaving accident scenes. In such cases, mandatory liability coverage is required for three years.

When should I get car insurance in New Hampshire?

While not compulsory, it’s recommended to have liability insurance before registering a vehicle in New Hampshire.

How much car insurance do I need in New Hampshire?

New Hampshire mandates $25,000 per person/$50,000 per accident for bodily injury liability, $25,000 for property damage liability, MedPay, and uninsured motorist coverage for car insurance.

How much is car insurance in my city in New Hampshire?

Car insurance premiums can vary among cities in New Hampshire. To get accurate quotes, provide your specific location when requesting insurance quotes from companies. This ensures tailored and precise estimations for your area.

What happens if my car is not properly insured in New Hampshire?

In an at-fault state like New Hampshire, the individual must cover all incurred injuries and damages out-of-pocket if found responsible for a crash without insurance. Certain drivers in New Hampshire must maintain insurance based on their driving history.

Is New Hampshire a no-fault state?

No, New Hampshire follows an at-fault system. The liable party in a collision bears financial responsibility for all damages and may face lawsuits.

Do I need uninsured motorist coverage in New Hampshire?

Individuals opting for liability insurance in New Hampshire must purchase uninsured motorist coverage.

Is liability insurance required in New Hampshire?

No, New Hampshire doesn’t mandate auto insurance. However, those opting for coverage must purchase minimum liability coverage.

Does New Hampshire accept digital insurance cards?

Yes, drivers in New Hampshire can present digital insurance IDs as valid proof of coverage during traffic stops, at the DMV, or in court. Confirm with your insurer if they provide a digital ID for use.

Is insurance expensive in New Hampshire?

New Hampshire’s car insurance rates are notably affordable, with full coverage prices 42% below the national average and minimum liability costs around 31% cheaper than the country’s average.

What’s the average cost of car insurance in New Hampshire?

The average cost of car insurance in New Hampshire varies due to personal factors and location. State-specific requirements and individual risk elements influence rates. To get precise insurance costs, seek personalized quotes based on your circumstances and location.

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Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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