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New Mexico auto insurance provides you with a valuable safety net in the event of an accident. It protects you from being held responsible for others' losses, which can be a financially devastating occurrence.
Many New Mexico residents don't realize how costly going without auto insurance can be—until they are involved in an accident and their home, savings, future wages and other assets are seized to cover the cost of related car repairs, medical bills and lawsuits.
As you can see, driving without this kind of protection just doesn't pay!
Protection You Must Carry
New Mexico auto insurance provides you with liability protection, which pays for the other driver's expenses when you are at fault in an accident.
Liability insurance must be purchased and maintained in the following amounts:
* $25,000 per person
* $50,000 per accident
* $10,000 property damage
However, keep in mind that these New Mexico auto insurance amounts are only minimum guidelines. Most insurers recommend you carry additional insurance to further protect yourself from additional expense or suit due to accidents.
You will not even be able to register your vehicle without purchasing New Mexico auto insurance. So make sure you purchase at least the above amounts before you get behind the wheel.
Protecting Yourself, Too
Physical damage insurance, which pays for your own losses and damages, is also available in the form of comprehensive or collision policies. Although these are not required by New Mexico state law, your lender or leasing company may require you to add them to your New Mexico auto insurance policy.
Some New Mexico auto insurance companies may be willing to offer you discounts based on the following factors:
Knowledgeable New Mexico auto insurance agents can tell you which of these discounts they offer and how much that discount will lower your premium.
If insurers do not mention discounts when you speak with them, be sure to inquire about them yourself.
Check Them Out!
It is important to closely examine insurers' financial stability ratings and complaint histories before purchasing your New Mexico auto insurance policy.
This type of information can be obtained through the following consumer rating companies, provided by the Insurance Information Institute (I.I.I.):
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