Carlsbad, NM Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Carlsbad, NM, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Discounts Available on Car Insurance in Carlsbad, NM
The average cost of car insurance in Carlsbad, NM, is $1125. Auto insurance is a vital part of owning a car. It protects you financially in the event of an accident or theft and can help you get back on the road after an accident. Here are a few things to remember when shopping for auto insurance in Carlsbad, NM. The amount of coverage you need depends on a few factors, including your car's value and driving record. Most auto insurance policies will cover damages to your car caused by an accident, theft, or vandalism. However, you may want to purchase additional coverage for things like rental car reimbursement or roadside assistance.
Once you have decided how much coverage you need, you can start shopping for auto insurance in Carlsbad, NM. Be sure to get quotes from several different companies so that you can compare rates. You should also ask about discounts available, such as for good drivers or students who maintain good grades. After comparing prices from the leading auto insurance companies in Carlsbad, New Mexico, Zimlon has created a list of auto insurance companies in the area.
By Obeying Driving Regulations
Car insurance companies use your "driving record" to help determine your rates. This is a record of all the moving violations you've been convicted of and any accidents you've been involved in. The more violations and accidents you have, the more you'll pay for insurance. But even one speeding ticket can cause your rates to go up. For example, drivers in Carlsbad, New Mexico, who received a ticket for speeding or running a red light must pay an additional +$276 and +$262 to the total insurance cost. So, to save money on car insurance, it's important to obey traffic laws.
Car Insurance in Lansing, MI, Based on Age
In Carlsbad, NM, your age is one of the most important factors in determining car insurance rates. Teens and young adults are typically the most expensive to insure because they are the most likely to be involved in an accident. As you get older and gain more experience behind the wheel, your rates will usually go down. For instance, drivers in their 30s and 40s in Carlsbad, New Mexico, pay $1,113 and $1,071 in auto insurance, respectively, while teenagers pay $3,650.
By Availing of Multi-Car Discounts
Many insurance companies offer discounts for policyholders who insure more than one vehicle with them. This can be a beneficial discount if you have multiple drivers in your household. To get the best multi-car discount, shopping around and comparing rates from different insurance companies is important. Some companies may offer a higher discount than others, so it pays to do your research. Car owners typically pay $1,958 for two vehicles and $2,936 for three in Carlsbad, New Mexico. They might save, on average, $293 to $439 on car insurance in Carlsbad, New Mexico.
Factors that can influence the cost of car insurance in Carlsbad, NM are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Carlsbad, NM Auto Insurance Rates
- Carlsbad, NM Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Carlsbad, NM
- Multi Vehicle Insurance Savings in Carlsbad, NM
- How Credit Score Affects Car Insurance Rates in Carlsbad, NM
- How DUI Affects Auto Insurance Premiums in Carlsbad, NM
- Top Auto Insurance Agents Near Carlsbad, NM
- How Driving Violations Affect Auto Insurance Rates in Carlsbad, NM
- Carlsbad, NM Auto Insurance Discounts on Anti Theft Feature
- Carlsbad, NM Auto Insurance Company Reviews
Carlsbad, NM Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Carlsbad, NM with that of other cities in and around Carlsbad.
| Carlsbad | Happy Valley | Whites City | Livingston Wheeler | Eddy County | La Huerta | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,125 | $1,985 | $2,069 | $1,303 | $1,356 | $1,459 |
Carlsbad, NM Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Carlsbad, NM based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Carlsbad | $1,820 | $1,537 |
| Whites City | $2,131 | $1,800 |
| Happy Valley | $2,045 | $1,727 |
| Eddy County | $1,033 | $873 |
| Livingston Wheeler | $1,113 | $940 |
| La Huerta | $1,878 | $1,586 |
Carlsbad, NM Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Carlsbad, NM usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,650 |
| 20 Years | $1,445 |
| 30 Years | $1,113 |
| 40 Years | $1,071 |
| 50 Years | $992 |
| 60 Years | $1,006 |
| 70 Years | $1,171 |
Carlsbad, NM Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Carlsbad, NM can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,958 | $293 |
| 3 Vehicles | $2,936 | $439 |
| 4 Vehicles | $3,915 | $585 |
Savings on 2 Vehicles bundle:$293
Savings on 3 Vehicles bundle:$439
Savings on 4 Vehicles bundle:$585
Carlsbad, NM Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Carlsbad, NM.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Carlsbad | $1,125 | $1,771 |
| Whites City | $2,069 | $3,258 |
| Happy Valley | $1,985 | $3,125 |
| Eddy County | $1,356 | $2,135 |
| Livingston Wheeler | $1,303 | $2,052 |
| La Huerta | $1,459 | $2,297 |
Carlsbad, NM Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $965 |
| Excellent (740-799) | $1,102 |
| Good (670-739) | $1,172 |
| Average (580-669) | $1,529 |
| Poor (300-579) | $1,835 |
Carlsbad, NM Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Dunagan Associates | Travelers | 212 W STEVENS ST, CARLSBAD, 88220 | 575-885-2138 |
| Wafd Insurance | Allstate | 101 S Canyon St, Carlsbad, 88220 | (575) 885-4131 |
| J S Ward & Son Inc | Liberty Mutual Independent | 101 4TH ST S, ARTESIA, 88210 | 575-746-2796 |
| J S Ward & Son, Inc. | None | 602 West Pierce, Carlsbad, 88220 | None |
| Perry Conner | Farmers | 807 S 1st St, Artesia, 88210 | (575) 746-8989 |
| Golden Insurance Agency | None | 1901 W Main St, Artesia, 88210 | None |
Carlsbad, NM Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$50 | $1,175 |
| Driver's Failure In Showing Documents | +$109 | $1,234 |
| Driving With An Expired Registration | +$116 | $1,241 |
| Driving At A Considerably Slow Pace | +$244 | $1,369 |
| Using A Cellphone While Driving | +$258 | $1,383 |
| Running A Red Light | +$262 | $1,387 |
| Speeding | +$276 | $1,401 |
| Driving A Vehicle Without The Required Permission | +$350 | $1,475 |
| Driving With An Expired/Suspended License | +$758 | $1,883 |
Carlsbad, NM Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,080 |
| Active Disabling Device | $1,080 |
| Tracking Device | $1,058 |
| Passive Disabling Device | $1,046 |
Latest Auto Insurance Reviews in Carlsbad, NM | Back to Top
ProgressiveCompared to other policies, my car insurance policy is not that much higher. I have stayed with Progressive because of their great customer service and helpfulness with any issues I've had.
AllstateI have had Allstate auto insurance for many years, probably about 10 or so. During that time I have submitted two claims, both of which the other driver was found to be 100% at fault.
ProgressiveThe customer service seems fine, however I mostly deal with automatic/online service. I have only once spoken to someone. Their online service is easy to understand and use.