How to Know You're Wasting Money for Car Insurance in Las Cruces
Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you're not alone.
There are many to buy insurance from, and though it is a good thing to have a choice, it makes it harder to compare rates.
It's important to check car insurance prices every six months due to the fact that insurance rates are constantly changing. Just because you found the best rates a few years ago there may be better deals available now. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to stop overpaying for insurance.
More discounts equal less premium
The price of auto insurance can be rather high, but there are discounts available that you may not know about. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be manually applied prior to getting the savings.
- Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
- Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
- Sign Online - Certain companies may give you up to $50 for buying your policy over the internet.
- Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
- Drivers Education - Require your teen driver to complete a driver education course if it's offered in school.
- Military Rewards - Being deployed with a military unit may qualify for rate reductions.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down your premiums.
For a list of companies who offer car insurance discounts in New Mexico, click here.
Compare Quotes for Las Cruces Car Insurance
Most major insurance companies like GEICO, State Farm and Progressive provide prices for coverage online. Obtaining pricing is fairly straightforward as you just type in the coverages you want into the quote form. Once entered, the system will obtain credit information and your driving record and returns a price quote based on these factors. Quoting online makes comparing rates easy, but the time required to go to different websites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to perform this step if you want to find a lower rate.
Quote rates the easy way
A more efficient way to lower your rates makes use of a single form that obtains quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes price shopping online much more enjoyable. After sending the form, it gets priced and you can select any one of the quotes that you receive.
If you find a better price you can simply submit the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.
In order to find out how much you're overpaying now, click here and complete the simple form. If you have your current policy handy, we recommend you replicate your coverages as close as possible to your current policy. This helps ensure you will get a price comparison based on identical coverages.
Affordable insurance is out there
As you shop your coverage around, never sacrifice coverage to reduce premiums. In many instances, someone sacrificed collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best price.
Cheaper car insurance can be sourced both online and with local Las Cruces insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not offer online quoting and most of the time these small insurance companies sell through independent agents.
We just presented a lot of techniques to get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from a small mutual company. These companies may cover specific market segments cheaper as compared to the big name companies such as .
