Understand your auto insurance options

The right starting point is a clear picture of your vehicle, drivers, current coverage, and the reason you are shopping.

Information to have ready

• Vehicle year, make, and model
• Where the vehicle is principally kept
• Who will drive it
• Whether a policy is active, recently ended, or has never been in place
• Any written notice that describes a coverage or financial-responsibility requirement

Liability coverage

New Mexico’s published minimum liability limits are $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage. Minimum limits are not a recommendation that they will cover every loss. Consider your circumstances and discuss available limits with a qualified insurance professional.

Questions worth asking

• What coverage is included and what is excluded?
• What is the total amount due to start the policy?
• What recurring payments and fees apply?
• When does coverage begin?
• How will proof of insurance be provided?
• What should I do if a government notice asks for something specific?

We cannot promise a particular price or insurer decision. The final terms depend on the insurer, the application, and the policy issued.