Has it been over a year since you last compared quotes for more affordable auto insurance rates in Las Cruces, NM? Las Cruces consumers have many options when looking for the best price on Chevy Cruze insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to find the lowest rates. There is a better way to find auto insurance online so you're going to learn the proper way to quote coverages for your Chevy and obtain the cheapest rates from Las Cruces insurance agents and online providers.
It's a great practice to compare premium rates occasionally since prices are rarely the same from one policy term to another. Just because you had the lowest rates on Chevy Cruze insurance in Las Cruces last year other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you're about to learn one of the best ways to find great coverage at a great price.
Low cost Las Cruces Chevy Cruze insurance quotes online
Most of the larger companies give price estimates on their websites. Doing online price comparisons for Chevy Cruze insurance in Las Cruces doesn't take much effort because it's just a matter of typing in your coverage preferences as requested by the quote form. After the form is submitted, their quoting system collects information on your driving record and credit history and returns a price based on the information you submitted.
The ability to get online price quotes for Chevy Cruze insurance in Las Cruces simplifies rate comparisons, and it's also necessary to do this if you are searching for the lowest payment on auto insurance.
If you want to compare pricing, take a look at the companies shown below. If you currently have coverage, we recommend you copy the limits and deductibles exactly as shown on your declarations page. Doing this assures you will have a rate comparison for similar insurance coverage.
The following companies provide quotes in New Mexico. If more than one company is shown, we suggest you compare several of them to get a more complete price comparison.
Slash your insurance rates with these five discounts
Insurance is easily one of your largest bills, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you get a quote, but some must be asked about prior to getting the savings.
- Discount for Good Grades - A discount for being a good student may save you up to 25%. The good student discount can last up until you turn 25.
- Senior Citizen Discount - Drivers that qualify as senior citizens can get lower premium rates.
- Passive Restraints - Vehicles with factory air bags can receive discounts as much as 30%.
- Renewal Discounts - A few insurance companies allow discounts for switching companies before your current Cruze insurance policy expires. It's a savings of about 10%.
- Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
Remember that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, you're out of luck.
A list of companies and the discounts they provide include:
- State Farm may offer discounts for multiple policy, driver's education, good student, anti-theft, Steer Clear safe driver discount, passive restraint, and safe vehicle.
- Farmers Insurance offers discounts including alternative fuel, mature driver, business and professional, bundle discounts, switch companies, good student, and teen driver.
- Progressive policyholders can earn discounts including multi-vehicle, online quote discount, good student, homeowner, multi-policy, and continuous coverage.
- GEICO includes discounts for membership and employees, anti-theft, daytime running lights, anti-lock brakes, defensive driver, military active duty, and multi-vehicle.
- Auto-Owners Insurance may include discounts for safe driver, air bags, paperless, group or association, and anti-theft.
- The Hartford offers discounts for bundle, vehicle fuel type, good student, defensive driver, and air bag.
- Farm Bureau has savings for youthful driver, multi-policy, safe driver, renewal discount, multi-vehicle, and driver training.
- USAA has discounts for annual mileage, new vehicle, good student, driver training, multi-policy, and defensive driver.
If you are trying to find inexpensive Las Cruces auto insurance quotes, ask each company which discounts can lower your rates. Some discounts listed above may not apply to policies in your area. To locate insurance companies that provide some of the discounts listed above in Las Cruces, click here to view.
Insuring your Chevy Cruze just makes sense
Despite the high cost of buying insurance for a Chevy Cruze in Las Cruces, insuring your vehicle is a good idea for several reasons.
- Most states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance if you don't want to risk a ticket. In New Mexico these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, almost every bank will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the lender may have to buy a policy to insure your Chevy for a lot more money and require you to reimburse them for the much more expensive policy.
- Insurance safeguards your Chevy and your assets. It will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if anyone sues you for causing an accident. If you have damage to your Chevy as the result of the weather or an accident, your policy will pay to have it repaired.
The benefits of buying enough insurance definitely exceed the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $800 each year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.
Educate yourself about insurance coverages
Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Collision coverage protection
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like colliding with another moving vehicle, colliding with a tree, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible on your Cruze to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Cruze.
Since a lot of drivers only purchase the least amount of liability that is required (New Mexico limits are 25/50/10), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.
This coverage can cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others. Liability doesn't cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/10 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property.
Liability coverage protects against things like emergency aid, structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. New Mexico requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like theft, fire damage and vandalism. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as funeral costs, dental work, chiropractic care, ambulance fees and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay