Car Insurance in Artesia - 10 Discounts You Might be Missing

No one looks forward to paying for car insurance, particularly when their premiums are through the roof. Companies like State Farm, Allstate, GEICO and Progressive continually hit you with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices periodically since rates are constantly changing. Even if you got the lowest rates a couple years back you may be paying too much now. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

If you have insurance now or are looking for a new policy, you can use these techniques to find the best rates while maintaining coverages. Finding the best rates in Artesia is easy if you know what you're doing. New Mexico vehicle owners just need to know how to buy car insurance online.

Artesia Car Insurance Comparisons

Most major insurance companies give price estimates online. Getting quotes is quite simple as you just type in your personal and coverage information as detailed in the form. Behind the scenes, the system will obtain credit information and your driving record and provides a quote based on many factors. Online quotes streamlines rate comparisons, but the work required to visit many different websites and type in the same information is monotonous and tiresome. But it's very important to compare as many rates as possible in order to get the best price on car insurance.

A less time-consuming method to compare rates is to use a quote form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much easier. Immediately after you send the form, your coverage is rated and you can choose your choice of the returned quotes. If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you enter just like they are on your policy. This way, you will have rate quotes based on similar coverages.

Are you getting all your discounts?

Car insurance companies do not advertise all their discounts in a way that's easy to find, so we break down both the well known and the more hidden savings tricks you should be using. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

Save with a New Car - Adding a new car to your policy can save up to 30% since new cars are generally safer.
Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Multi-car Discount - Buying coverage for more than one vehicle on one policy could earn a price break for each car.
Bundle and Save - When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
Federal Employees - Simply working for the federal government can save as much as 8% with select insurance companies.
Good Student - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
Club Memberships - Being a member of a civic or occupational organization is a good way to get lower rates on car insurance.

Drivers should understand that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, companies wouldn't make money that way.

For a list of companies offering car insurance discounts in Artesia, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different so your insurance should reflect that For instance, these questions may help highlight whether you could use an agent's help.

Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

More detailed New Mexico car insurance information can be found at the New Mexico Insurance Division website. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, read consumer alerts, and view a list of available companies.

Best coverage at the best price

As you go through the steps to switch your coverage, it's not a good idea to reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. Your aim should be to buy the best coverage you can find at an affordable rate.

We just covered many tips how you can lower your car insurance rates. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with an unexpected company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as .