relative to discounted motor vehicle insurance premiums for voluntary safety inspections.

HB 1353 requires New Hampshire auto insurers to include premium discounts in their rate filings for vehicles that pass the state's existing annual safety inspections (covering headlights, brakes, tires, etc.). It directly affects insurers and policyholders, as insurers must offer these discounts but cannot penalize drivers who skip inspections or fail them. Key provisions mandate that discounts be actuarially justified, filed with the insurance department, and not tied to a specific percentage. The bill explicitly states that inspections remain voluntary for insurance purposes beyond current state-mandated safety checks, and no surcharges apply for non-participation. The law takes effect January 1, 2027.