Is Your Silver City, NM Auto Insurance Too High? Start Saving Today

Overwhelmed by the dozens of auto insurance choices in Silver City? Many other drivers are as well. Drivers have so many options that it can quickly become a ton of work to find lower rates.

It is always a good idea to shop coverage around periodically due to the fact that insurance rates are variable and change quite frequently. If you had the best price on your last policy other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance online, so by reading this article, you’re going to learn some good information on how to reduce your auto insurance bill.

Discounts are basically free money

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but a few must be asked for before you get the savings.

  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Passive Restraint Discount – Vehicles with factory air bags can get savings of more than 20%.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. But all discounts will bring down your premiums.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • Is my vehicle covered for flood damage?
  • How high should my medical payments coverage be?
  • Can I afford low physical damage deductibles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?
  • What is covered by UM/UIM coverage?
  • Is my nanny covered when driving my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

But buying car insurance online seems impersonal

A small number of people would prefer to get advice from a local agent. One of the best bonuses of comparing insurance prices online is you may find the best rates and still choose a local agent. Buying from small agencies is important particularly in Silver City.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is emailed to insurance agents in Silver City who will compete to get your business. There is no need to visit any agencies since price quotes are sent straight to your inbox. It doesn’t get any easier! You can find the lowest rates AND an agent nearby.

What type of Silver City car insurance agent is right for you?

When searching for a good Silver City insurance agent, there are two types of insurance agents from which to choose. Agents can either be captive or independent (non-captive).New Mexico insurance quotes

Independent Agents

Independent insurance agents are not required to write business for one company so they have the ability to put coverage with many different companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.

When comparing rates, we recommend you get quotes from multiple independent agents for the best price selection. They also have the ability to place coverage with different regional companies who may have lower rates.

Listed below are Silver City independent insurance agencies that may be able to provide comparison quotes.

  • Farm Bureau Insurance – 4505 Highway 180 E – Silver City, NM 88061 – (505) 538-5864
  • Peters Agency Insurance – 601 E 19th St – Silver City, NM 88061 – (505) 538-3787
  • Insurance Unlimited Inc – 106 W 14th St – Silver City, NM 88061 – (505) 388-4801
Captive Agents

Captive agents write business for a single company like Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. They are trained well in insurance sales which helps them compete with independent agents. Consumers sometimes buy insurance from these agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

The following are captive agencies in Silver City who can help you get rate quotes.

  • Farm Bureau Insurance – 4505 Highway 180 E – Silver City, NM 88061 – (505) 538-5864
  • State Farm Insurance – 502 Silver Heights Blvd – Silver City, NM 88061 – (505) 388-1969
  • Allstate Insurance – 610 N Bullard St – Silver City, NM 88061 – (505) 388-3282
  • Farmers Insurance Group – 315 S Hudson St # 2 – Silver City, NM 88061 – (505) 538-2941

For a full directory of auto insurance agents in Silver City, visit this site.

Deciding on an auto insurance agent shouldn’t rely on just a cheap price. Any agent should have no problem answering these questions:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • What insurance companies do they recommend if they are an independent agent?
  • If you have an accident, will your rates go up?
  • How are claims handled?
  • How often do they review policy coverages?
  • Who is covered by the car insurance policy?

Once you have positive responses to any questions you have and a low price estimate, you have narrowed it down to an auto insurance agent that can properly service your auto insurance policy.

Buyer beware of auto insurance advertising tricks

Auto insurance providers like State Farm, Allstate and GEICO consistently run ads in print and on television. They all say the same thing of big savings if you change your policy. How does each company say the same thing?

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer could be a mature driver, owns a home, and has excellent credit. A driver who matches those parameters gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t qualify for the requirements must pay higher rates which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That’s why companies can state the savings.

Car insurance in Silver City

This illustrates why you absolutely need to get quotes from several different companies. It is impossible to predict the company that will have the lowest rates.

New Mexico insurance information

Additional information can be found on the New Mexico Insurance Division website. Click here for link. New Mexico consumers can learn about specific coverages, file complaints about an insurance agent or broker, and report car insurance fraud.

Shop smart and save

Drivers switch companies for a variety of reasons including lack of trust in their agent, unfair underwriting practices, questionable increases in premium or even poor customer service. Regardless of your reason for switching companies, finding a new company is actually quite simple.

In this article, we presented many ideas to reduce auto insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company.

Affordable auto insurance is available on the web and with local Silver City insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.