Albuquerque Auto Insurance

Albuquerque, New Mexico, affectionately known as 'The Duke City', originated as a military outpost. It grew by great numbers as patients with respiratory diseases flooded the city from all over the country.

Today, almost half a million people call Albuquerque home. Of those, the ones who drive to work spend an average of 20 minutes in commute time. This adds up to a whopping 8,677,000 hours spent stuck in traffic for the city of Albuquerque, as well as $154 million in tax dollars. The individual driver will spend about 15 hours in traffic each year and spend $276 on the resulting car repairs and maintenance. These numbers add up to 43 – that is, Albuquerque is the 43rd most congested urban area in the US.

There are 1,236,488 licensed drivers in New Mexico with an average of .84 cars registered to each one. For each of those vehicles, New Mexican drivers will pay an average of $663 for auto insurance. This makes them the 24th most expensive state for car insurance premiums.

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Protect Your Car and Save on Auto Insurance in Albuquerque

If this sounds like a lot of money, you do not have to feel trapped by your geographical location. There are things you can do to qualify for discounts and lower your car insurance rates. Some of these include:

• Follow traffic laws. This means stopping at stop signs, wearing your seat belt, and not driving if you've had even one glass too many. The fewer violations on your driving record, the lower your auto insurance rates will be.
• Maintain good credit. Car insurance companies, like every financial organization, pay close attention to your credit rating. If you are deemed a 'good risk,' you'll likely be offered lower rates on your car insurance premiums.
• Protect your car from thefts by installing a high grade anti-theft device. If you show that you are interested in protecting your investment, auto insurance adjusters will be interested in protecting you for a lower fee.

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Protecting your car from theft is especially important in Albuquerque. In 2004, the city reported 5,565 cars stolen. This puts them in 18th place in the nation for high car theft rates in urban areas. Showing that you intend to fight this trend will go a long way with your insurance adjuster.

The best way to protect your car, however, is by purchasing your auto insurance through a provider that is trustwworthy. No matter how low your rates are, if your policy is not backed by a reputable car insurance company who will honor your contract, then it is not worth your money.

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010