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Having your car insured is one of the best ways to safeguard your investment, and it is a requirement in many states. New Mexico is no different. In this article, we will be exploring the top five insurance auto companies in NM. We’ll dive deep into each company’s offerings to help you make an informed decision on which auto insurance policy to purchase.
Top Five Insurance Auto Companies in NM: An Overview
Auto insurance is a must-have for all vehicle owners in NM. It helps to cover the costs of damages caused by collisions or other unforeseen incidents. When it comes to choosing an auto insurance provider, there are many options available in New Mexico. Here is a brief overview of the top five insurance auto companies in NM:
1. Allstate Insurance Company
Allstate is a top-rated insurance provider in NM with an A+ rating from the Better Business Bureau. They offer a wide range of policies, including liability, collision, comprehensive, and personal injury protection policies. Allstate’s policies also come with several benefits, including accident forgiveness, new car replacement, and roadside assistance.
Liability Policy
Allstate’s liability policy offers coverage for bodily injury and property damage. It is required by law in NM, and it covers damages you cause to others in the event of an accident.
Collision Policy
Allstate’s collision policy covers damage to your car in the event of an accident, regardless of who is at fault. It covers the cost of repairs or a replacement vehicle.
2. State Farm Insurance Company
State Farm is another top-rated insurance provider in NM with an A+ rating from the Better Business Bureau. They offer a range of auto insurance policies, including liability, collision, comprehensive, and personal injury protection policies. State Farm’s policies also come with several benefits, including accident forgiveness, rental car coverage, and roadside assistance.
Comprehensive Policy
State Farm’s comprehensive policy covers damage to your car that results from incidents like theft, vandalism, or natural disasters. It also covers damage caused by hitting an animal while driving.
Personal Injury Protection Policy
State Farm’s personal injury protection policy provides coverage for medical expenses and lost wages in the event of an accident, regardless of who is at fault.
3. Farmers Insurance Company
Farmers Insurance Company is a top-rated insurance provider in NM with an A+ rating from the Better Business Bureau. They offer a range of auto insurance policies, including liability, collision, comprehensive, and personal injury protection policies. Farmers Insurance Company’s policies also come with several benefits, including accident forgiveness, new car replacement, and roadside assistance.
Liability Policy
Farmers Insurance Company’s liability policy offers coverage for bodily injury and property damage. It is required by law in NM, and it covers damages you cause to others in the event of an accident.
Collision Policy
Farmers Insurance Company’s collision policy covers damage to your car in the event of an accident, regardless of who is at fault. It covers the cost of repairs or a replacement vehicle.
4. American Family Insurance Company
American Family Insurance Company is a top-rated insurance provider in NM with an A+ rating from the Better Business Bureau. They offer a range of auto insurance policies, including liability, collision, comprehensive, and personal injury protection policies. American Family Insurance Company’s policies also come with several benefits, including accident forgiveness, new car replacement, and roadside assistance.
Liability Policy
American Family Insurance Company’s liability policy offers coverage for bodily injury and property damage. It is required by law in NM, and it covers damages you cause to others in the event of an accident.
Comprehensive Policy
American Family Insurance Company’s comprehensive policy covers damage to your car that results from incidents like theft, vandalism, or natural disasters. It also covers damage caused by hitting an animal while driving.
5. Liberty Mutual Insurance Company
Liberty Mutual Insurance Company is a top-rated insurance provider in NM with an A+ rating from the Better Business Bureau. They offer a range of auto insurance policies, including liability, collision, comprehensive, and personal injury protection policies. Liberty Mutual Insurance Company’s policies also come with several benefits, including accident forgiveness, new car replacement, and roadside assistance.
Roadside Assistance Policy
Liberty Mutual Insurance Company’s roadside assistance policy provides coverage for a variety of situations, including towing, battery jump-starts, and lockout services.
Collision Policy
Liberty Mutual Insurance Company’s collision policy covers damage to your car in the event of an accident, regardless of who is at fault. It covers the cost of repairs or a replacement vehicle.
Frequently Asked Questions
1. Why is auto insurance important in NM?
Auto insurance is important in NM because it provides financial protection in the event of an accident. It covers the costs of damages caused to your car or others’ cars, as well as medical expenses and lost wages.
2. What are the minimum requirements for auto insurance in NM?
The minimum requirements for auto insurance in NM are liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, and $10,000 per accident for property damage.
3. What factors affect the cost of auto insurance in NM?
The cost of auto insurance in NM is affected by many factors, including your age, driving history, the type of car you drive, and where you live. Other factors that may affect the cost of your premium include your credit score, marital status, and the amount of coverage you choose.
4. What is collision coverage?
Collision coverage is a type of auto insurance that covers the costs of damages to your car in the event of an accident, regardless of who is at fault.
5. What is comprehensive coverage?
Comprehensive coverage is a type of auto insurance that covers damage to your car that results from incidents like theft, vandalism, or natural disasters. It also covers damage caused by hitting an animal while driving.
6. What is personal injury protection (PIP) coverage?
Personal injury protection (PIP) coverage provides coverage for medical expenses and lost wages in the event of an accident, regardless of who is at fault.
7. What are the benefits of buying auto insurance from a top-rated company in NM?
Buying auto insurance from a top-rated company in NM provides several benefits, including top-notch customer service, a range of policy options to choose from, and discounts that can help you save money on your premiums.
Conclusion
Having auto insurance is not only important in NM but also a legal requirement. In this article, we have provided a detailed overview of the top five insurance auto companies in NM. We hope that this information will help you make an informed decision when choosing an auto insurance provider. Remember to always compare policies and prices before making a final decision to ensure you get the best coverage at the best price.
| Company Name | Policy Types | Benefits |
|---|---|---|
| Allstate | Liability, collision, comprehensive, and personal injury protection policies | Accident forgiveness, new car replacement, and roadside assistance |
| State Farm | Liability, collision, comprehensive, and personal injury protection policies | Accident forgiveness, rental car coverage, and roadside assistance |
| Farmers Insurance | Liability, collision, comprehensive, and personal injury protection policies | Accident forgiveness, new car replacement, and roadside assistance |
| American Family Insurance | Liability, collision, comprehensive, and personal injury protection policies | Accident forgiveness, new car replacement, and roadside assistance |
| Liberty Mutual Insurance | Liability, collision, comprehensive, and personal injury protection policies | Accident forgiveness, new car replacement, and roadside assistance |
