If you are looking for cheap New Mexico auto insurance, simply put your zip code at the top of this page. You will get the list of the cheapest auto insurance providers in your area. Comparing auto insurance quotes from these companies will allow you to locate the best rate for your coverage.
Below you can find a variety of information that every New Mexico driver should know about car insurance, DUI laws, top stolen cars and more.
New Mexico Car Insurance Requirements
The minimum requirement for a New Mexico car insurance is liability coverage for bodily injuries and property damages. In New Mexico, the minimum coverage amount for bodily injury is $25,000 for every injured person or a total of $50,000 for the accident. For property damages, the minimum coverage amount is at least $10,000. The state’s basic car insurance requirement is also known as the 25/50/10 coverage.
In New Mexico, the tort system is followed with regards to settling disputes on who caused the vehicular accident or collision. Under the tort system, someone must be held accountable for the cause for the accident. The person responsible along with his car insurance provider will then have to pay for the total costs of the vehicular accident or collision.
A Few Car Insurance Cost Saving Tips in New Mexico
Even if you already have the basic car insurance coverage, you could still lower the amount of premium you pay through several ways. Listed below are some ways or tips on how to further lower your car insurance costs.
Shop around, ask and compare quotes from as many car insurance companies as you can possibly can. This is the simplest and effective way to find out if you really got the most affordable if not the cheapest car insurance rates around. Using the internet to accomplish this task will greatly lessen the time and effort on your part.
Raising the deductible amount can significantly lower your car insurance costs. Minor repairs on your car will not cost you much. Frequent filing of car insurance claims even on minor repairs can actually raise your car insurance premiums. A deductible is the amount you first have pay in the event of a vehicular accident or collision. Any excess will be shouldered by the insurance company as long as the amount is within the coverage limit.
Look and ask for any discount that you may qualify for. Car insurance providers normally provide discounts to qualified customers but many people are not aware of such discounts. If you simply asks your car insurance provider you might be surprise as to how many kinds of discounts you could possibly avail. For example many insurance companies provide discounts to car owners that do not always use their cars except on important trips. If your car annually incurs a mileage that is lower than the national average, you can qualify for a discount.
DUI or DWI Laws in the State of New Mexico
The state follows the implied consent law when it comes to conducting blood alcohol content (BAC) level tests. This means that driving within the borders of New Mexico implies that the motorist consents to be subjected to a blood alcohol content (BAC) level chemical test if required by the state. Refusal to undergo such chemical test, charges of aggravated DWI will be filed and the driver’s license will be suspended automatically for a period of 1 year even if it is only a first time offense.
In New Mexico, drivers with a BAC level of .08 percent or greater can be arrested for violating the DUI law. Even if the motorist’s BAC level is below .08 percent, the police can still arrest the driver if he or she fails the field sobriety test, has a poor driving pattern or even shows physical signs of being under the influence of liquor. For drivers under the age of 21, the legal BAC level limit is only .01 percent.Penalties for First Time DUI or DWI Offenders in New Mexico
A first time DUI offense is considered as a misdemeanor in the state of New Mexico.
A first time DUI offender can pay up to $500 in fines.
The DUI offender may face the possibility of spending up to 90 days in jail.
The DUI offender must enter a DUI or DWI school and also participate in a rehabilitation program.
The first time offender will also need to enter and participate in an alcohol abuse screening process in which the offender would have to financially shoulder.
The court may order that the first time offender install an ignition interlock device on all the vehicles that he or she owns or drives.
In addition, the court can also order that the first time offender render 24 hours of community service.
The driver’s license of the first time DUI offender would be put on probation.
Penalties for Second Time DUI or DWI Offenders in New Mexico
In the state of New Mexico, there is no look back period. This means that if you have already been convicted once for drunk driving, the subsequent DUI charges will be considered as a second offense.
The second DUI conviction will be regarded as a misdemeanor.
A second time DUI offense will require a mandatory jail time of 96 hours.
The second time DUI offender will have to pay $500 fine.
For the second DUI conviction, the offender will have to render at least 38 hours of community service.
The DUI offender would need to participate in an alcohol screening and abuse program.
Because it is already a second DUI conviction, the offender must undergo a more thorough alcohol abuse treatment program. The treatment can be inpatient, residential or custodial but the treatment period must not be less than 28 days.
The court this time will require that an ignition interlock device be installed on all the vehicles owned or will be driven by the second time DUI offender.
If the charges filed are aggravated, the court can imposed an additional jail time of 360 days and an additional fine of $500.
A second DUI conviction will mean the revocation of the driver’s license for a period of 1 year.
The Average Car Insurance Cost in New Mexico versus the National Average
In New Mexico, the state’s average car insurance premium is around $1,290 which is lower than the national average premium of around $1,442. In the major urban areas of New Mexico, the average car insurance premium can be higher than the national average. In the rural areas of New Mexico, the average car insurance premium is very much lower than the national average.
The Top Ten Vehicles Stolen in the State of New Mexico
Car insurance providers would normally charge higher insurance premiums if your vehicle is among the top list of cars that thieves love to steal. Owners would have to install security gadgets on their vehicles to make sure that the car is secure against thieves. Drivers of these vehicles would have to park or leave their cars in a secure place in order to discourage thieves from stealing their vehicles. The installation of security devices and taking the necessary precautions will help lower the risks of thieves stealing your car. It can also help convince the auto insurance providers to lower your premiums if the risks of theft to your car are minimal.
Dodge Ram 2005 Model
Honda Accord 1991 Model
Honda Civic 1995 Model
Chevrolet Pickup (Full Size) 1992 Model
Ford F150 Pickup 2004 Model
Ford F250 Pickup 1999 Model
Ford F350 Pickup 2004 Model
Toyota Camry 1990 Model
Jeep Wrangler 2004 Model
Ford Explorer 1994 Model
Below you can find a variety of information that every New Mexico driver should know about car insurance, DUI laws, top stolen cars and more.
New Mexico Car Insurance Requirements
The minimum requirement for a New Mexico car insurance is liability coverage for bodily injuries and property damages. In New Mexico, the minimum coverage amount for bodily injury is $25,000 for every injured person or a total of $50,000 for the accident. For property damages, the minimum coverage amount is at least $10,000. The state’s basic car insurance requirement is also known as the 25/50/10 coverage.
In New Mexico, the tort system is followed with regards to settling disputes on who caused the vehicular accident or collision. Under the tort system, someone must be held accountable for the cause for the accident. The person responsible along with his car insurance provider will then have to pay for the total costs of the vehicular accident or collision.
A Few Car Insurance Cost Saving Tips in New Mexico
Even if you already have the basic car insurance coverage, you could still lower the amount of premium you pay through several ways. Listed below are some ways or tips on how to further lower your car insurance costs.
Shop around, ask and compare quotes from as many car insurance companies as you can possibly can. This is the simplest and effective way to find out if you really got the most affordable if not the cheapest car insurance rates around. Using the internet to accomplish this task will greatly lessen the time and effort on your part.
Raising the deductible amount can significantly lower your car insurance costs. Minor repairs on your car will not cost you much. Frequent filing of car insurance claims even on minor repairs can actually raise your car insurance premiums. A deductible is the amount you first have pay in the event of a vehicular accident or collision. Any excess will be shouldered by the insurance company as long as the amount is within the coverage limit.
Look and ask for any discount that you may qualify for. Car insurance providers normally provide discounts to qualified customers but many people are not aware of such discounts. If you simply asks your car insurance provider you might be surprise as to how many kinds of discounts you could possibly avail. For example many insurance companies provide discounts to car owners that do not always use their cars except on important trips. If your car annually incurs a mileage that is lower than the national average, you can qualify for a discount.
DUI or DWI Laws in the State of New Mexico
The state follows the implied consent law when it comes to conducting blood alcohol content (BAC) level tests. This means that driving within the borders of New Mexico implies that the motorist consents to be subjected to a blood alcohol content (BAC) level chemical test if required by the state. Refusal to undergo such chemical test, charges of aggravated DWI will be filed and the driver’s license will be suspended automatically for a period of 1 year even if it is only a first time offense.
In New Mexico, drivers with a BAC level of .08 percent or greater can be arrested for violating the DUI law. Even if the motorist’s BAC level is below .08 percent, the police can still arrest the driver if he or she fails the field sobriety test, has a poor driving pattern or even shows physical signs of being under the influence of liquor. For drivers under the age of 21, the legal BAC level limit is only .01 percent.Penalties for First Time DUI or DWI Offenders in New Mexico
A first time DUI offense is considered as a misdemeanor in the state of New Mexico.
A first time DUI offender can pay up to $500 in fines.
The DUI offender may face the possibility of spending up to 90 days in jail.
The DUI offender must enter a DUI or DWI school and also participate in a rehabilitation program.
The first time offender will also need to enter and participate in an alcohol abuse screening process in which the offender would have to financially shoulder.
The court may order that the first time offender install an ignition interlock device on all the vehicles that he or she owns or drives.
In addition, the court can also order that the first time offender render 24 hours of community service.
The driver’s license of the first time DUI offender would be put on probation.
Penalties for Second Time DUI or DWI Offenders in New Mexico
In the state of New Mexico, there is no look back period. This means that if you have already been convicted once for drunk driving, the subsequent DUI charges will be considered as a second offense.
The second DUI conviction will be regarded as a misdemeanor.
A second time DUI offense will require a mandatory jail time of 96 hours.
The second time DUI offender will have to pay $500 fine.
For the second DUI conviction, the offender will have to render at least 38 hours of community service.
The DUI offender would need to participate in an alcohol screening and abuse program.
Because it is already a second DUI conviction, the offender must undergo a more thorough alcohol abuse treatment program. The treatment can be inpatient, residential or custodial but the treatment period must not be less than 28 days.
The court this time will require that an ignition interlock device be installed on all the vehicles owned or will be driven by the second time DUI offender.
If the charges filed are aggravated, the court can imposed an additional jail time of 360 days and an additional fine of $500.
A second DUI conviction will mean the revocation of the driver’s license for a period of 1 year.
The Average Car Insurance Cost in New Mexico versus the National Average
In New Mexico, the state’s average car insurance premium is around $1,290 which is lower than the national average premium of around $1,442. In the major urban areas of New Mexico, the average car insurance premium can be higher than the national average. In the rural areas of New Mexico, the average car insurance premium is very much lower than the national average.
The Top Ten Vehicles Stolen in the State of New Mexico
Car insurance providers would normally charge higher insurance premiums if your vehicle is among the top list of cars that thieves love to steal. Owners would have to install security gadgets on their vehicles to make sure that the car is secure against thieves. Drivers of these vehicles would have to park or leave their cars in a secure place in order to discourage thieves from stealing their vehicles. The installation of security devices and taking the necessary precautions will help lower the risks of thieves stealing your car. It can also help convince the auto insurance providers to lower your premiums if the risks of theft to your car are minimal.
Dodge Ram 2005 Model
Honda Accord 1991 Model
Honda Civic 1995 Model
Chevrolet Pickup (Full Size) 1992 Model
Ford F150 Pickup 2004 Model
Ford F250 Pickup 1999 Model
Ford F350 Pickup 2004 Model
Toyota Camry 1990 Model
Jeep Wrangler 2004 Model
Ford Explorer 1994 Model
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