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New Mexico Car Insurance


New Mexico State Welcome sign - Four Corners InsuranceEvery state has specific requirements for Car Insurance. In the state New Mexico, it is required that a’’ registered vehicles are covered by Car Insurance. Four Corners Insurance is here to help you find the best Car Insurance in New Mexico. At Four Corners Insurance, you will be able to find multiple rates on New Mexico Car Insurance from the top providers in the state. Contact us at 1-800-771-7758 or request a free New Mexico Car Insurance quote today!


The New Mexico Car Insurance Requirements

According to law, drivers in New Mexico must have at least the minimum required liability Car Insurance for their vehicle. Liability Insurance protects other drivers and pedestrians in the event you are found at fault for an incident.

The Minimum Coverage Limits per accident include:

  • $25,000 for injury or death, per person.
  • $50,000 for total injury or death if multiple people are hurt in the accident.
  • $10,000 for property damage.


Coverage Options

There are also other optional coverage options available for your New Mexico Car Insurance policy. These options provide an extra layer of protection for your vehicle. Some of the additional New Mexico Car Insurance coverage options include:

  • CollisionCoverage– covers damages to your vehicle caused by an accident
  • Comprehensive – provides coverage for damage not related to accidents like water and fire
  • Medical payments – Covers medical costs if you’re injured in an accident
  • Towing and labor.


What is Uninsured and Underinsured Motorist Coverage?

What happens if you’re involved in a collision, at the person at-fault doesn’t have enough insurance to cover the damage to your vehicle? What if they don’t have insurance at all? With this option, any damage caused to your vehicle that can’t be covered by the other person’s policy will be covered by your insurance.

New Mexico law requires that all drivers have this coverage on their New Mexico Car Insurance policies. That being said, drivers do have the option to opt out if they do so in writing.


Proof of Insurance

New Mexico uses an electronic database contain the registration and insurance information of every vehicle in the state. Your New Mexico Car Insurance provider is responsible for reporting this information to the database.

If your information is not in the database, you will receive a letter notifying you to update your insurance information. If you do not have insurance or you do not comply with your warning letter, you face suspension of your registration.


How Much Will Car Insurance Cost?

There are a few key factors that determine the cost of your New Mexico Car Insurance policy. These factors include:

  • Your driving record.
  • Your car's:
    • Make.
    • Model.
    • Year.
  • Your credit score.
  • Deductibles:
    • This is the out-of-pocket amount you are responsible for towards a claim.
    • Higher deductibles mean lower premiums.


New Mexico Car Insurance Discounts

There are numerous ways that you can save on New Mexico Car Insurance. Many providers offer a range of discounts. Some of the more common New Mexico Car Insurance discounts include:

  • Good driver
  • Good student
  • Anti-theft device
  • Safety device
  • Multi-car policy

When you contact Four Corners Insurance in search of Car Insurance in New Mexico, we’ll do our best to help you find ways to save on your policy. So give us a call now at 1-800-771-7758 and speak to one of our skilled agents about New Mexico Car Insurance. You can also get your results instantly by requesting a New Mexico Car Insurance quote for free!

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