Auto Insurance in New Mexico

Auto Insurance in New Mexico

Insurance NM

Every driver needs insurance. When considering auto insurance in NM, there are several important factors that should go into your decision.

1. Liability Coverage

State law requires minimum liability coverage, but you likely want coverage that goes beyond this minimum. Consider insurance coverage that provides protection in the case of serious accidents resulting in injury, death or damage to a high-value vehicle.

2. Uninsured/Underinsured Motorist Coverage

In the event that the person who causes the accident does not carry enough insurance to fully cover damages to your vehicle, uninsured/underinsured motorist coverage steps in. This is a way to fully cover yourself and your vehicle.

3. Comprehensive Coverage

Comprehensive coverage includes incidents such as damage to a vehicle from theft and vandalism, or storm damage and falling tree limbs. Generally, this includes a low deductible.

4. Other Considerations

You may want the following insurance coverage:

  • Medical coverage for the driver and any passengers or victims
  • Rental car costs when your car or a victims car is in the shop
  • Emergency roadside aid
  • Special discounts such as multi-vehicle discounts, good driver discounts and good student discounts

When searching for auto insurance in NM, of course you want the minimum coverage required by state law, but its recommended that you go above this minimum. Protect yourself, your passengers and your vehicle by having full coverage that meets all your needs.