If you’ve never shopped for Albuquerque auto insurance quotes online, by this point your are probably baffled by the diversity of local and online companies vying for business in Albuquerque.
A recent NerdWallet.com study revealed that almost 70% of drivers have purchased from the same company for more than four years, and approximately 38% of consumers have never compared rates to find lower-cost insurance. Many drivers in New Mexico could save roughly 40% each year just by getting comparison quotes, but they mistakenly think it’s difficult to shop their coverage around.
Do you qualify for discounts?
Insurance can cost an arm and a leg, but you can get discounts that you may not even know about. Certain discounts will be applied when you purchase, but less common discounts must be asked about prior to getting the savings.
- Paperwork-free – Some auto insurance companies give back up to $50 for buying your policy on your computer.
- 55 and Retired – Older drivers may qualify for reduced rates.
- Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts could save 15% off PIP or medical payments premium.
- Early Switch Discount – A few larger companies give discounts for switching policies early. Ten percent is about the average savings.
- Telematics Discount – Insureds that choose to allow their company to spy on driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
- Buy New and Save – Insuring a new City Express can be considerably cheaper since newer vehicles are generally safer.
Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, companies don’t profit that way.
The diagram below illustrates the difference between Chevy City Express insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no accidents or driving violations, New Mexico state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, multi-policy, and marriage discounts applied.
To choose providers who offer online Chevy City Express insurance quotes in New Mexico, click here.
To find cheap rates, there are a couple of ways to get quotes from different companies. The best method to find the cheapest insurance rates is to use the internet to compare rates. It’s important to know that more quotes provides better odds of finding a lower rate.
The auto insurance companies shown below offer free rate quotes in Albuquerque, NM. If you wish to find the best auto insurance in NM, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Chevy City Express insurance analysis
The premium table below covers detailed analysis of insurance prices for Chevy City Express models. Learning more about how policy premiums are established helps drivers make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$208||$404||$364||$22||$108||$1,106||$92|
|City Express Cargo 1500 2WD||$208||$490||$364||$22||$108||$1,192||$99|
|City Express Cargo 3500 2WD||$238||$490||$364||$22||$108||$1,222||$102|
|City Express 2500 LT 2WD||$238||$490||$364||$22||$108||$1,222||$102|
|City Express 2500 2WD||$238||$490||$364||$22||$108||$1,222||$102|
|City Express 2500 LS 2WD||$238||$490||$364||$22||$108||$1,222||$102|
|City Express 3500 2WD||$238||$490||$364||$22||$108||$1,222||$102|
|City Express Cargo 1500 AWD||$238||$490||$364||$22||$108||$1,222||$102|
|City Express 1500 LS 2WD||$238||$490||$364||$22||$108||$1,222||$102|
|City Express 1500 LS AWD||$238||$578||$364||$22||$108||$1,310||$109|
|City Express 1500 AWD||$238||$578||$364||$22||$108||$1,310||$109|
|City Express 1500 LT 2WD||$238||$578||$364||$22||$108||$1,310||$109|
|City Express Cargo 1500 Turbo Diesel 2WD||$238||$578||$364||$22||$108||$1,310||$109|
|City Express Cargo 2500 Turbo Diesel 2WD||$270||$578||$364||$22||$108||$1,342||$112|
|City Express 3500 LT 2WD||$270||$578||$364||$22||$108||$1,342||$112|
|City Express 3500 LS 2WD||$270||$578||$364||$22||$108||$1,342||$112|
|City Express 3500 2WD||$270||$578||$364||$22||$108||$1,342||$112|
|City Express 1500 LT AWD||$270||$578||$364||$22||$108||$1,342||$112|
|City Express Cargo 3500 Turbo Diesel 2WD||$270||$578||$364||$22||$108||$1,342||$112|
|City Express Cargo 1500 Turbo Diesel AWD||$270||$578||$364||$22||$108||$1,342||$112|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Mexico minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific location information which can increase or decrease price quotes noticeably.
Auto insurance agents can give valuable advice
Some consumers just want to sit down with an agent and that is just fine! A good thing about getting free rate quotes online is that you can find lower rates and still have a local agent. And providing support for small agencies is important particularly in Albuquerque.
After completing this form (opens in new window), your insurance data is submitted to local insurance agents who want to provide quotes to get your business. You never need to find an agent as quotes are delivered to your email. It’s the lowest rates without a big time investment. If you have a need to get a rate quote from a specific insurance company, you can always visit that company’s website and fill out their quote form.
If you want a reliable insurance agent, you must know there are a couple different agency structures from which to choose. Insurance agencies are considered either exclusive or independent.
Independent Agencies or Brokers
Agents that choose to be independent are normally appointed by many insurers and that allows them to write policies with an assortment of companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move your policy to a different company and the insured can keep the same agent.
If you are comparing rate quotes, we highly recommend that you include price quotes from independent agents to have the best price comparison. They also have the ability to place coverage with small regional insurance companies which may provide better rates.
Shown below is a short list of independent insurance agents in Albuquerque that may be able to give pricing information.
- Webster Insurance Agency Inc
1201 Eubank Blvd Suite 3 – Albuquerque, NM 87112 – (505) 294-1497 – View Map
- J. B. Martin Insurance Agency
8500 Menaul Blvd NE #345 – Albuquerque, NM 87112 – (505) 888-8846 – View Map
- Menicucci Insurance Llc
2116 Vista Oeste NW Bldg 5 – Albuquerque, NM 87120 – (505) 883-3683 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only write with one company like Farmers Insurance, State Farm, or Allstate. They generally cannot compare other company’s rates so they really need to provide good service. These agents receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents mainly due to loyalty to the company rather than having low rates.
Shown below are exclusive insurance agents in Albuquerque who can help you get price quotes.
- Rick Buckner – State Farm Insurance Agent
9601 Sage Rd SW d – Albuquerque, NM 87121 – (505) 833-9596 – View Map
- Ray Pratt – State Farm Insurance Agent
9998 Montgomery Blvd NE a – Albuquerque, NM 87111 – (505) 298-7579 – View Map
- Richard Moore – State Farm Insurance Agent
5353 Wyoming Blvd NE b – Albuquerque, NM 87109 – (505) 821-6000 – View Map
Finding the right insurance agency shouldn’t rely on just the bottom line cost. Get answers to these questions too.
- Do they carry Errors and Omissions coverage?
- Can you get a list of referrals?
- Which companies do they recommend if they are an independent agency?
- Does the company allow you to choose your own collision repair facility?
- Do the agents have professional certifications like CPCU or CIC?
- If you raise deductibles, how much can you save?
Which auto insurance company is best in New Mexico?
Choosing the right company can be rather challenging considering how many companies provide coverage in New Mexico. The company ratings shown below could help you analyze which car insurance providers to look at shopping your coverage with.
Top 10 Albuquerque Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Top 10 Albuquerque Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+
Smart consumers save more
Lower-priced Chevy City Express insurance in Albuquerque is available online and from local agencies, so you should compare both to have the best chance of lowering rates. There are still a few companies who don’t offer rates over the internet and many times these smaller providers work with independent agents.
When you buy Albuquerque auto insurance online, never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.
Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, policy non-renewal, poor customer service or even high rates after DUI convictions. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.
How to find low-cost Chevy City Express insurance in Albuquerque
The easiest way to get affordable Chevy City Express insurance is to annually compare prices from insurance carriers in Albuquerque. Price quotes can be compared by completing these steps.
Step 1: Try to understand how insurance works and the modifications you can make to lower rates. Many rating criteria that result in higher prices like traffic citations, accidents, and a less-than-favorable credit history can be controlled by paying attention to minor details.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like Progressive and State Farm, while independent agencies can give you price quotes from multiple companies.
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available in Albuquerque. If you can save money and make a switch, make sure coverage is continuous and does not lapse.
Step 4: Notify your agent or company to cancel the current policy and submit the required down payment along with the signed application to your new carrier. As soon as you can, safely store the certificate of insurance along with the vehicle’s registration papers.
An important bit of advice to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on each quote and and to get price estimates from as many different insurance providers as possible. Doing this provides a fair price comparison and many rates to choose from.
Additional auto insurance information is located at the links below
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Who Has Affordable Albuquerque Auto Insurance Rates for Homeowners? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Young Drivers in Albuquerque? (FAQ)
- Who Has Affordable Albuquerque Auto Insurance for a Toyota Corolla? (FAQ)
- How Much is Albuquerque Car Insurance for Welfare Recipients? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Understanding Rental Car Insurance (Insurance Information Institute)