If you want to save the most money, the best way to get more affordable Ford Fusion Energi insurance in Albuquerque is to regularly compare price quotes from companies in New Mexico. Rate comparisons can be done by following these steps.
- Read and learn about the different coverages in a policy and the changes you can make to keep rates in check. Many rating criteria that are responsible for high rates like at-fault accidents, speeding tickets, and a poor credit rating can be controlled by making minor driving habit or lifestyle changes.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies.
- Compare the new rates to your existing policy and determine if there is any savings. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your current company of your intention to cancel your current car insurance policy and submit payment along with a signed and completed policy application to the new company. Make sure you put the proof of insurance certificate in your vehicle.
An essential thing to point out is that you’ll want to compare identical limits and deductibles on each quote and and to get price quotes from as many car insurance companies as possible. This guarantees an accurate price comparison and a complete price analysis.
It’s a fact that insurance companies don’t want you to look for cheaper rates. People who get price comparisons are likely to buy a new policy because there is a good chance of finding better rates. A study showed that drivers who compared prices once a year saved $3,500 over four years compared to drivers who didn’t regularly shop around.
If finding the lowest price on insurance in Albuquerque is why you’re reading this, then having some knowledge of how to shop and compare insurance coverage can help make the process easier.
Keep in mind that more quotes helps improve the odds of finding more affordable insurance.
The companies shown below are our best choices to provide price quotes in New Mexico. If you wish to find the best cheap auto insurance in Albuquerque, NM, we suggest you compare several of them to get the cheapest price.
Insurance agent or online?
Some consumers still like to get advice from a local agent and there is nothing wrong with that. A good thing about comparing rate quotes online is that drivers can save money and get better rates and still choose a local agent. Supporting small agencies is important especially in Albuquerque.
Upon completion of this form (opens in new window), the quote information is instantly submitted to companies in Albuquerque who will give you bids for your business. You won’t need to visit any agencies as quotes are delivered directly to your email. You’ll get the best rates and an insurance agent to talk to. If you need to compare rates from a specific car insurance provider, don’t hesitate to search and find their rate quote page and submit a quote form there.
Best auto insurance agent in Albuquerque
If you want a local agent, it’s helpful to know the types of insurance agents and how they differ in how they quote coverages. Car insurance agents in Albuquerque can be classified as either exclusive agents or independent agents.
Independent Agencies or Brokers
These agents are not restricted to one company so they can quote policies with an assortment of companies and potentially find a lower price. If you want to switch companies, they simply switch companies in-house which is easy for the insured.
When comparing car insurance rates, you definitely need to get some free quotes from multiple independent agents for maximum quote selection.
Shown below is a list of independent agents in Albuquerque that can possibly get you cheap rate quotes.
Commercial West Insurance
2616 Mesilla St NE #2 – Albuquerque, NM 87110 – (505) 255-9577 – View Map
Lorraine Y Chavez Insurance Agency, Inc.
8224 Louisiana Blvd NE – Albuquerque, NM 87113 – (505) 821-7123 – View Map
Sunset Insurance Corporation
1905 San Mateo Blvd NE – Albuquerque, NM 87110 – (505) 247-2578 – View Map
Exclusive Agents
These type of agents can usually just insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to shop your coverage around so they really need to provide good service. These agents receive extensive training on their company’s products and that can be a competitive advantage.
Shown below is a list of exclusive agents in Albuquerque that can give you price quotes.
State Farm: Nancy Berch
2716 San Pedro Dr NE – Albuquerque, NM 87110 – (505) 881-1008 – View Map
Bob Strilich – State Farm Insurance Agent
6751 Academy Rd NE a – Albuquerque, NM 87109 – (505) 823-9333 – View Map
Stephanie Valdez – State Farm Insurance Agent
5921 Lomas Blvd NE a – Albuquerque, NM 87110 – (505) 255-8676 – View Map
Choosing an car insurance agent should include more criteria than just a cheap quote. The answers to these questions are important, too.
- What insurance companies do they work with in Albuquerque?
- Do they offer accident forgiveness?
- Which company do they place the most coverage with?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does their agency support local causes in Albuquerque?
- In the event of vehicle damage, can you pick the collision repair facility?
What is the best auto insurance company in Albuquerque?
Buying coverage from the top auto insurance company can be difficult considering how many choices you have in New Mexico. The company rank data displayed below may help you pick which companies you want to consider shopping your coverage 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 |
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Data Source: Insure.com Best Car Insurance Companies