Locating better insurance prices for your Chevy Sonic in New Mexico can turn out to be difficult, but you can learn the following methods to find lower rates.
There are more efficient ways to find insurance online so you’re going to learn the absolute fastest way to get price quotes on a Chevy and find the lowest price from both online companies and Albuquerque agents.
Cheap Chevy insurance rate quotes in Albuquerque
The providers in the list below can provide quotes in New Mexico. If you wish to find cheap car insurance in NM, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Get cheaper rates on Chevy Sonic insurance in Albuquerque with these insurance discounts
Some insurers do not advertise the complete list of policy discounts in a way that’s easy to find, so below is a list a few of the more well known and the more hidden ways to save on insurance.
- Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
- Onboard Data Collection – Insureds that choose to allow their insurance company to study when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they have good driving habits.
- Paper-free Discount – Some of the larger companies may give you up to $50 for buying your policy on their website.
- Early Switch Discount – A few insurance companies allow discounts for buying a new policy before your current coverage expires. You may see this discount when you get Albuquerque car insurance quotes online.
- Military Deployment Discount – Being on active deployment in the military can result in better prices.
- Low Mileage – Keeping the miles down on your Chevy may enable drivers to earn lower premium rates due to less chance of an accident.
- Good Drivers – Accident-free drivers can save as much as half off their rates than drivers with accidents.
As a sidenote, some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.
A few popular companies and some of their more popular discounts are:
- 21st Century offers premium reductions for air bags, anti-lock brakes, theft prevention, 55 and older, teen driver, and automatic seat belts.
- State Farm includes discounts for anti-theft, multiple policy, Drive Safe & Save, safe vehicle, and Steer Clear safe driver discount.
- AAA discounts include pay-in-full, good driver, AAA membership discount, anti-theft, multi-policy, multi-car, and education and occupation.
- Liberty Mutual offers discounts including newly retired, new vehicle discount, hybrid vehicle, preferred payment discount, safety features, new graduate, and newly married.
- Progressive has savings for multi-policy, homeowner, online quote discount, continuous coverage, and multi-vehicle.
When comparing rates, check with each company or agent which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in Albuquerque.
When should I get advice from an insurance agency?
Some consumers prefer to get advice from a local agent and that is not a bad decision Agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of price shopping on the web is that you can find lower rates and also buy local. Buying from small agencies is still important in Albuquerque.
For easy comparison, once you complete this form (opens in new window), your information is immediately sent to companies in Albuquerque who will give you quotes for your insurance coverage. You won’t even need to find an agent on your own as quotes are delivered to you directly. In the event you want to get a comparison quote from a specific insurance company, you would need to visit that company’s website and give them your coverage information.
Not all car insurance agents are the same
If you prefer to buy insurance from a good Albuquerque insurance agent, there are two different agency structures that you can choose from. Insurance policy providers are classified as either independent or exclusive. Both insure your vehicles properly, but it is a good idea to know the difference in how they write coverage since it can affect the type of agent you choose.
Independent Insurance Agents
Independent insurance agents are appointed with more than one company so they have the ability to put coverage with an assortment of companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and the insured can keep the same agent.
If you need cheaper insurance rates, you will definitely want to get some free quotes from a few independent agents for maximum quote selection. They often place coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.
Listed below are Albuquerque independent insurance agencies that may be able to provide free rate quotes.
- Daniels Insurance Inc
320 Gold Ave SW # 700 – Albuquerque, NM 87102 – (505) 766-9676 – View Map - Lorraine Y Chavez Insurance Agency, Inc.
8224 Louisiana Blvd NE – Albuquerque, NM 87113 – (505) 821-7123 – View Map - J. B. Martin Insurance Agency
8500 Menaul Blvd NE #345 – Albuquerque, NM 87112 – (505) 888-8846 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive are contracted to one company and some examples include Allstate and State Farm. They are unable to provide prices from multiple companies so you might not find the best rates. These agents are usually well trained on the products they sell and that can be a competitive advantage. A lot of people use the same agent mostly because of high brand loyalty and strong financial ratings.
The following are exclusive insurance agents in Albuquerque willing to provide price quote information.
- Cindy Maxwell – State Farm Insurance Agent
8244 Menaul Blvd NE – Albuquerque, NM 87110 – (505) 883-9000 – View Map - Chavez Geissler Agency – Farmers Insurance
3517 Wyoming Blvd NE – Albuquerque, NM 87111 – (505) 271-2222 – View Map - Stephanie Valdez – State Farm Insurance Agent
5921 Lomas Blvd NE a – Albuquerque, NM 87110 – (505) 255-8676 – View Map
Selecting a auto insurance agent needs to be determined by more than just a cheap quote. Any agent in Albuquerque should have no problem answering these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Is the agent and/or agency licensed to do business in New Mexico?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Where would your vehicle be repaired?
- Are claims handled at the agent’s location?
- How long have they been in business?
- How is replacement cost determined on your vehicle?
Best car insurance company in New Mexico
Finding the best company can be a challenge considering how many companies sell insurance in New Mexico. The information listed below could help you analyze which coverage providers you want to consider comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
A little work can save a LOT of money
Affordable Chevy Sonic insurance in Albuquerque is definitely available from both online companies as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide rates over the internet and most of the time these regional carriers provide coverage only through independent insurance agents.
Insureds change insurance companies for a variety of reasons including high prices, lack of trust in their agent, being labeled a high risk driver or even unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.
As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed physical damage coverage only to regret that it was a big error on their part. The aim is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.
How to find cheaper quotes for Chevy Sonic insurance in Albuquerque
The most effective way to get the cheapest Chevy Sonic insurance in Albuquerque is to regularly compare quotes from providers who can sell car insurance in New Mexico.
- Get an understanding of car insurance and the factors you can control to prevent expensive coverage. Many risk factors that are responsible for high rates such as high-risk driving behaviors and a not-so-good credit rating can be amended by making minor changes in your lifestyle.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.
- Compare the quotes to your existing coverage to determine if you can save on Sonic insurance in Albuquerque. If you find a better price and make a switch, make sure coverage does not lapse between policies.
One important bit of advice is that you use identical coverages on every quote request and and to get price estimates from as many companies as you can. Doing this helps ensure an accurate price comparison and and a good selection of different prices.
Additional resources
- How to Avoid Staged Accidents (State Farm)
- How Much is Albuquerque Auto Insurance for a Nissan Sentra? (FAQ)
- How Much are Albuquerque Car Insurance Rates for Good Students? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)