Follow These Insider Ways for Lower Las Cruces, NM Car Insurance

If online car insurance comparisons are new to you, it’s easy to get confused by the hoards of online car insurance companies and websites competing for business in Las Cruces.

Discounts are basically free money

Companies offering auto insurance don’t always advertise every available discount very clearly, so we took the time to find some of the best known and the more hidden savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Own a Home – Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less than drivers with accident claims.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • 55 and Retired – Older drivers may be able to get a small decrease in premiums.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • One Accident Forgiven – A few companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.

Keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

To choose insurers who offer car insurance discounts in New Mexico, click here to view.

Free Las Cruces Car Insurance Quotes

Most major insurance companies such as State Farm, Allstate and GEICO quote insurance quotes on the web. The process is pretty easy as you just enter as detailed in the form. Behind the scenes, their system collects your credit score and driving record and quotes a price.

Online quotes makes it a lot easier to compare rates but the time required to go to a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to perform this step in order to get better car insurance pricing.

The better way to compare rates

A more efficient way to lower your car insurance bill uses one form that obtains quotes from many companies. It saves time, requires less work, and makes rate comparisons a lot less work. After sending your information, it is rated with multiple companies and you can pick any one of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To compare pricing, simply click here to open in new window and enter your information. To compare your current rates, we recommend you complete the form with deductibles and limits identical to your current policy. This way, you will receive rate comparison quotes for similar insurance coverage.

Lower your Las Cruces Car Insurance Rates

Consumers need to have an understanding of the factors that play a part in calculating car insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get lower car insurance prices.

  • Tickets mean higher rates – Your driving citation history has a big impact on rates. Good drivers get better rates than people who have multiple driving citations. Just one speeding ticket can increase rates forty percent or more. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Better crash test results mean better rates – Safer cars tend to have better insurance rates. These vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
  • Multi-policy discounts can save money – Most insurance companies will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal. You may still be able to find better rates by buying car insurance from a different company.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Both sexes have accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like DUI and reckless driving.
  • High deductibles save money – Deductibles for physical damage define the amount you are required to spend out-of-pocket before your car insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Don’t buy coverages you don’t need – There are many additional coverages that you can buy on your policy. Coverages like roadside assistance, towing coverage and motor club memberships are some examples. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
  • Save money with special equipment – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Rate your vehicle for proper use – The more you drive each year the more you will pay for car insurance. Most companies rate vehicles based on their usage. Cars that are left in the garage qualify for better rates than those used for commuting. Verify your car insurance policy is rated on the correct driver usage.

Neighborhood agents for car insurance

Some consumers just want to get advice from a local agent and that is a personal choice. Professional agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent.

To make it easy to find an agent, after completing this short form, your coverage information is submitted to insurance agents in Las Cruces who will return price quotes for your coverage. There is no need to leave your computer because quoted prices will be sent directly to your email. It doesn’t get any easier!save money image

Deciding on an insurer should depend on more than just a cheap price. Some important questions to ask are:

  • If you are a high risk driver, do they have special markets for your coverage?
  • How long has their agency been in business in Las Cruces?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do they feel the quoted coverages are adequate?
  • What insurance company do they write the most business with?
  • Do they carry Errors and Omissions coverage?
  • How often do they review policy coverages?

Best car insurance agent in Las Cruces

When researching an insurance agent, you need to know there are two types of insurance agents to choose from. Agencies in Las Cruces are classified as either independent or captive. While both can properly insure your vehicles, but it’s good to learn the differences because it can impact your agent selection.

Captive Insurance Agents

These agents write business for a single company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agents are trained well on their products and sales techniques which can be an advantage. Consumers often buy insurance from these agents partially due to the brand legacy and the convenience of having a single billing for all their coverages.

The following is a list of captive agencies in Las Cruces willing to provide price quote information.

  • State Farm Insurance – 3850 Foothills Rd – Las Cruces, NM 88011 – (505) 382-4427
  • Allstate Insurance Co – 2134 N Main St – Las Cruces, NM 88001 – (505) 524-5804
  • Farm Bureau Insurance – 1799 Avenida DE Mesilla – Las Cruces, NM 88005 – (505) 647-9099
  • Farmers Insurance Group – 1591 E Lohman Ave # J – Las Cruces, NM 88001 – (505) 525-3106
Independent Insurance Agents

Independent insurance agents are not locked into one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, it’s recommended you get quotes from several independent insurance agents to get the best comparison. Many write coverage with lesser-known insurance companies which may provide better rates.

Shown below is a short list of independent insurance agencies in Las Cruces who can help you get price quotes.

  • Ohmen Insurance – 2983 Sundance Cir – Las Cruces, NM 88011 – (505) 521-1323
  • Insurance Unlimited – 250 S Downtown Mall # 1 – Las Cruces, NM 88001 – (505) 526-4497
  • Insure Core Agency – 2000 E Lohman Ave # E – Las Cruces, NM 88001 – (505) 525-3222
  • Gregg Martin Agency – 250 W Amador Ave # 101 – Las Cruces, NM 88005 – (505) 525-3107
  • Talbot Agency Inc – 255 E Lohman Ave – Las Cruces, NM 88001 – (505) 524-8686

For a full directory of car insurance agents in Las Cruces, view this link.

Upon receiving positive responses to any questions you have and an affordable coverage quote, you’ve probably found an auto insurance agent that meets your needs to properly insure your vehicles.

How can State Farm, Allstate and GEICO save drivers who switch?

Consumers in New Mexico constantly see and hear ads for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all say the same thing that you can save after switching to them.

But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of driver that earns them a profit. An example of a profitable customer could be a mature driver, owns a home, and has great credit. Any driver that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who do not match these standards will be charged higher prices and this can result in business not being written. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make those claims. That is why you should get as many comparisons as possible. Because you never know the company that will provide you with the cheapest rates.

In the end, you save

We’ve covered many tips how you can shop for car insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the lowest premiums are with the least-expected company.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, delays in paying claims, being labeled a high risk driver and even policy cancellation. It doesn’t matter why you want to switch finding a great new company can be less work than you think.

Cheaper car insurance is attainable from both online companies as well as from independent agents in Las Cruces, and you need to price shop both in order to have the best price selection to choose from. Some companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

Even more information can be found at the New Mexico Insurance Division website. New Mexico drivers can read industry bulletins, find out industry alerts, view agent and company licensing information, and file complaints about an insurance agent or broker.

Additional helpful sites include this link for New Mexico car insurance quotes and this link where you can make Las Cruces car insurance comparisons.