Eldorado at Santa Fe Auto Insurance Rates, Quotes, Agents & Reviews in NM

Eldorado at Santa Fe, NM Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Eldorado at Santa Fe, 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.

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Factors that can influence the cost of car insurance in Eldorado at Santa Fe, 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.


Eldorado at Santa Fe, NM Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Eldorado at Santa Fe, NM with that of other cities in and around Eldorado at Santa Fe.

Eldorado at Santa Fe Santa Fe County Galisteo Agua Fria Ca-ada de los Alamos Lamy
Average Insurance Rates $1,551 $1,469 $1,455 $1,398 $1,562 $1,452

Eldorado at Santa Fe, 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 Eldorado at Santa Fe, 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)
Eldorado at Santa Fe $1,467 $1,239
Santa Fe County $1,088 $919
Lamy $1,352 $1,142
Ca-ada de los Alamos $1,868 $1,578
Galisteo $1,056 $892
Santa Fe $3,572 $3,017
Glorieta $2,507 $2,118
Agua Fria $956 $807

Eldorado at Santa Fe, NM Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Eldorado at Santa Fe, 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 $5,033
20 Years $1,993
30 Years $1,535
40 Years $1,477
50 Years $1,368
60 Years $1,387
70 Years $1,614

Eldorado at Santa Fe, NM Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Eldorado at Santa Fe, 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 $2,668 $434
3 Vehicles $4,002 $651
4 Vehicles $5,335 $869

Savings on 2 Vehicles bundle:$434

Savings on 3 Vehicles bundle:$651

Savings on 4 Vehicles bundle:$869


Eldorado at Santa Fe, 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 Eldorado at Santa Fe, NM.

Location Average Insurance Cost Post DUI Insurance Rate
Eldorado at Santa Fe $1,551 $2,442
Santa Fe County $1,469 $2,313
Lamy $1,452 $2,286
Ca-ada de los Alamos $1,562 $2,459
Galisteo $1,455 $2,291
Santa Fe $1,205 $1,897
Glorieta $1,350 $2,126
Agua Fria $1,398 $2,201

Eldorado at Santa Fe, 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) $1,331
Excellent (740-799) $1,519
Good (670-739) $1,616
Average (580-669) $2,109
Poor (300-579) $2,530

Eldorado at Santa Fe, 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 +$68 $1,619
Driver's Failure In Showing Documents +$150 $1,701
Driving With An Expired Registration +$160 $1,711
Driving At A Considerably Slow Pace +$337 $1,888
Using A Cellphone While Driving +$355 $1,906
Running A Red Light +$361 $1,912
Speeding +$380 $1,931
Driving A Vehicle Without The Required Permission +$482 $2,033
Driving With An Expired/Suspended License +$1,045 $2,596

Eldorado at Santa Fe, 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 $1,489
Active Disabling Device $1,489
Tracking Device $1,458
Passive Disabling Device $1,442