Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced staff to determine the best coverages for you.

Insurance Services of New Mexico provides insurance for all kinds of vehicles:

  • New or Used Auto Insurance
  • Classic Car Insurance
  • Motorcycle and ATV Insurance
  • RV and Mobile Home Insurance
  • Boat Insurance

How much auto insurance is right for you?

Based in New Mexico, our team understands the auto insurance needs of our customers in the Land of Enchantment.

Auto insurance requirements vary by state. In some states, to drive you must carry:

Liability coverage
to pay for losses you cause others, or:

No-fault coverage
to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or

Both coverages
Even in states where coverage isn't required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)
Comprehensive coverage is very similar to collision coverage-the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or 'act of God'. Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

Every person is unique. Talk to us today to find out how to get the best price and value on auto insurance for you.




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