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Las Cruces, New Mexico Car Insurance


Most residents of Las Cruces have a short commute to work. It's usually about 18 minutes from anywhere in the city. Like Las Cruces some car insurance is mandated by the state, meaning you must carry liability on your vehicle, no matter what kind of car you drive. The newer the auto, the more coverage that you should have in order to protect your investment.

Other factors that come into play are your driving record, your credit history, how many other people drive your car, where you live and how often you drive. In other words, how often is that car on the road. Las Cruces is not a big city, so even one fatal accident is a big deal in this area. A couple of years ago there were six fatal accidents involving 9 people in the crashes.

Insurance companies in this area place a premium on safety equipment such as seat belts, and airbags to name just two devices. Insurers also favor that everyone, but especially young drivers take defensive safe driving courses. These courses can lead to steep discounts in your monthly premium. Don't think that because you're not speeding that you're safe. Accident statistics reveal that the fatal accidents happened at an average speed of 25 miles per hour. So it is important to practice safe driving technique on all roads, not just highways. Auto theft is also a big deal in Las Cruces. Where you park your car at night as well as what type of car you drive is an issue. Parking your car in a garage, if you can, and anti theft devices installed on the auto can lead to deep discounts in your favor.

Which ever kind of car that you drive, shop around for your auto insurance coverage. Don't go with the first offer. Survey several companies before making a decision. The insurance industry is very competitive and doing a little research will save you money in the long run.