Alamogordo Auto Insurance For Less Than You’re Paying Now

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me when I say you’re not alone. Lots of insurers contend for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate

If you have insurance now or are looking for a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. Buying car insurance in Alamogordo is easy if you know what you’re doing. New Mexico drivers just need to learn the most effective way to shop on the web.

How to Lower Your Auto Insurance Cost in Alamogordo, New Mexico

Most companies quote coverage prices on the web. The process is quite easy as you simply enter your coverage information into a form. Once entered, their system will order credit information and your driving record and returns a price based on these and other factors. This makes comparing rates easy, but the work required to visit each company’s website and repetitively type in the same information gets old quite quickly. Unfortunately, it is important to compare as many rates as possible if you are searching for better prices.

The smarter way to find lower prices requires only one form to get prices from multiple companies. The form is fast, requires less work, and makes rate comparisons much more enjoyable. After sending your information, it is quoted with multiple companies and you can pick any or none of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase coverage. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out how much you can save on auto insurance, click here to open in new window and complete the simple form. To compare your current rates, we recommend you enter the coverages identical to your current policy. This makes sure you’re receiving comparison quotes for similar coverage.

Discounts are available to cut your rates

Companies don’t always publicize all available discounts in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Organization Discounts – Being a member of certain professional organizations may earn a discount on your policy.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Drive Less and Save – Keeping the miles down could be rewarded with better rates on cars that stay parked.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Own a Home – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • No Claims – Drivers who don’t have accidents can earn big discounts compared to drivers who are more careless.
  • Federal Employees – Active or retired federal employment may qualify you for a discount with certain companies.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

To choose insurers with the best auto insurance discounts in New Mexico, click here.

What about using a local agent?

Certain consumers would prefer to buy from a local agent and that is a personal choice. Insurance agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is the fact that you can find lower rates and still have an agent to talk to.

By using this quick form, your coverage information is submitted to local insurance agents in Alamogordo who will compete to get your business. You won’t need to drive around due to the fact that quote results will go to the email address you provide. How’s that for easy!

Choosing an provider shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

  • Do they feel the quoted coverages are adequate?
  • How are they compensated?
  • Is the agency involved in supporting local community causes?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do the companies they represent have a solid financial rating?
  • How often do they review policy coverages?

Compare rates from both independent and captive auto insurance agents

When finding a local agent, there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Alamogordo are either independent or captive. Both types can insure your vehicles, but it’s worth learning how they are different since it may influence your agent selection.

Captive Agents

Captive insurance agents are contracted to one company like State Farm, AAA and Liberty Mutual. They are unable to shop your coverage around so always compare other rates. These agents are well schooled on the products they sell which can be an advantage.Alamogordo New Mexico insurance ad

Below are captive insurance agencies in Alamogordo who can help you get rate quotes.

State Farm Insurance – 2904 N White Sands Blvd – Alamogordo, NM 88310 – (505) 437-9948
Allstate Insurance – 602 N White Sands Blvd – Alamogordo, NM 88310 – (505) 437-3105

Independent Agencies or Brokers

These agents are not required to write business for one company but instead can place your coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.

When comparison shopping, it’s recommended you get quotes from multiple independent agents to ensure the widest selection of prices.

The following is a short list of independent insurance agencies in Alamogordo willing to provide comparison quotes.

Gregory Insurance – 1111 10th St – Alamogordo, NM 88310 – (505) 434-4773
George Gandy Insurance – 420 9th St – Alamogordo, NM 88310 – (505) 437-2892
J T Hallbeck Agency – 921 New York Ave – Alamogordo, NM 88310 – (505) 443-0211

To view a complete directory of Alamogordo insurance agents, visit this site.

Upon getting satisfactory answers to your questions and locked in a price quote, you have narrowed it down to an insurance agency that can insure your vehicles.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs will benefit from professional help.

  • Why is insurance for a teen driver so high in Alamogordo?
  • When should I not file a claim?
  • Is there coverage for injuries to my pets?
  • Can I drive in Mexico and have coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy only the required New Mexico minimum liability coverage?
  • Does my vehicle need full coverage?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn How to Lower your Rates

It’s important that you understand the rating factors that help determine your auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with big savings.

The following are a few of the “ingredients” auto insurance companies consider when setting rates.

  • Too many auto insurance claims drive up costs – Auto insurance companies in New Mexico provide better rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Car insurance is intended to be relied upon for the large, substantial claims.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Younger drivers pay higher rates – More mature drivers are more responsible, file fewer claims and are safer drivers. Young drivers are known to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
  • Performance level impacts rates – The performance level of the car you are buying insurance for makes a substantial difference in the rate you pay. Small economy passenger models generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
  • The more you drive the more you pay – Driving more miles in a year’s time the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage.
  • Higher safety ratings means cheaper insurance – Safer cars get lower rates. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you.
  • Liability coverage is peace of mind – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Multiple policies with one company can save – Many insurers will award you with lower prices to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.

Auto insurance myths debunked

New Mexico drivers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, GEICO and Progressive. They all seem to have a common claim that you’ll save big if you switch your policy.

Alamogordo New Mexico insurance ad

But how can every company say the same thing? It’s all in the numbers.

Different companies can use profiling for the type of customer that earns them a profit. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Any driver who meets those qualifications will get the preferred rates and most likely will save when they switch companies.

Potential insureds who don’t measure up to this ideal profile will have to pay higher rates which leads to business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that much. That’s why insurance companies can claim big savings. Because of the profiling, it’s extremely important to quote coverage with many companies. It is impossible to predict which insurance companies will have the lowest rates.

More comparisons equals lower rates

We covered a lot of techniques to get a better price on auto insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers could even find that the most savings is with an unexpected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

Low-cost auto insurance is available from both online companies and with local Alamogordo insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer online price quotes and these small, regional companies work with independent agents.

As you restructure your insurance plan, do not reduce coverage to reduce premium. Too many times, someone dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at an affordable rate.

To learn even more about auto insurance

More tips and info about auto insurance can be found at the New Mexico Insurance Division website. Consumers can find disaster information, find out industry alerts, and find out which companies have the most complaints.

Additional helpful sites include this page for New Mexico auto insurance and this page of insurance agents in Alamogordo.