Cheap Car Insurance for Handicapped Drivers in New Mexico

The vehicle that is being insured is a significant factor when comparing the most economical car insurance for handicapped drivers. Vehicles with limited top-end speed, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models. The tables below ranks insurance costs for a selection of the cheapest automobiles to insure in New Mexico.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Mexico minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific location which can change auto insurance rates substantially.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Mexico minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific garaging location which can modify auto insurance rates significantly.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Mexico minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in your specific New Mexico location which can raise or lower auto insurance rates significantly.

When buying insurance for drivers with handicaps, one of the key factors that is used by insurance companies to calculate the policy price is where you choose to live in New Mexico. Densely populated urban areas like Albuquerque, Santa Fe, and Los Alamos will most likely have higher rates, whereas areas with less congestion benefit from having to pay less for coverage.

The table below rates the most expensive areas in New Mexico for handicapped drivers to buy an auto insurance policy in.

Price information shown is comparative as specific New Mexico zip code can impact auto insurance rates substantially.

Discounts on cheap car insurance for handicapped drivers in New Mexico

Insurance companies that sell policies for handicapped drivers may provide rate discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. A few popular companies and a partial list of their discounts are outlined below.

• Progressive offers discounts for online signing, online quote discount, continuous coverage, good student, multi-policy, multi-vehicle, and homeowner.
• Farmers Insurance may include discounts for electronic funds transfer, early shopping, good student, business and professional, and bundle discounts.
• Farm Bureau includes discounts for safe driver, good student, renewal discount, multi-vehicle, youthful driver, and 55 and retired.
• State Farm may have discounts that include multiple policy, student away at school, multiple autos, defensive driving training, good student, and Drive Safe & Save.
• GEICO has savings for federal employee, anti-lock brakes, seat belt use, anti-theft, and multi-vehicle.
• SAFECO offers discounts including drive less, accident prevention training, multi-car, bundle discounts, safe driver, teen safety rewards, and anti-lock brakes.
• Liberty Mutual offers premium reductions for multi-policy, exclusive group savings, hybrid vehicle, new vehicle discount, multi-car, safety features, and newly retired.

The illustration below illustrates the comparison of insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, no violations or accidents, New Mexico state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, safe-driver, accident-free, passive restraint, anti-theft, and claim-free discounts applied. When discounts are applied, the the amount saved on auto insurance for handicapped drivers is 28% or $444.

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Ratings for New Mexico auto insurance companies

Insuring your vehicle with the right insurer can be challenging considering how many choices drivers have in New Mexico. The company rank data displayed below could help you decide which coverage providers you want to consider when shopping around.

These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on New Mexico business are not included in the list. To check prices and find cheaper insurance for handicapped drivers, click this link.

Top 10 Major Auto Insurance Providers Overall in New Mexico

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Allstate

Allstate, Progressive, State Farm, or Geico: Which is best?

If you want reliable car insurance for drivers with handicaps, four companies to consider are Allstate, Progressive, State Farm, and Geico. The following table ranks some of the different options and features shoppers can expect to find with each one.