Belen Car Insurance

Everything you need to know about your policy

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Belen New Mexico Car Insurance

There's nothing like cruising the open roads to make you feel alive. If you're not insured, you could be opening yourself up to risk. Belen, NM, car insurance can help cover every exposure you'll have when driving the streets. 

A Belen, NM, independent insurance agent will have access to numerous carriers so that you're fully prepared. They'll do the leg work and shop around highly rated markets, giving you proper protection. Connect with a local expert for custom quotes to get started in minutes. 

What Is Car Insurance?

Each state has its own set of rules when it comes to driving a motorized vehicle. The majority of states mandate auto insurance in some form or fashion. Check out which minimum limits of liability are required in Belen, NM.

  • Car insurance: This coverage supplies bodily injury and property damage protection to others. Minimum limits start at $25,000 per person/ $50,000 per accident/ $10,000 property damage.

Property damage and bodily injury accidents can add up fast. This makes it essential to have a policy with the proper limits. 

What Does Car Insurance Cover in Belen, New Mexico?

In addition to your auto policy's liability limits, you have some choices on extra coverages. These can help protect your vehicles from damage and are typically referred to as full coverage. Check out what they are in Belen, NM.

  • Liability coverage: This is the primary coverage on any auto policy and pays for a lawsuit arising out of bodily injury and property damage to another. 
  • Gap coverage: Pays for the difference in your remaining loan balance and the market value when a total loss occurs.
  • Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
  • Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: Will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Collision coverage: Pays for property damage to your car in the event of a crash.

Save on Car Insurance

Our independent agents shop around to find you the best coverage.

How Much Does Car Insurance Cost in Belen, New Mexico?

Everyone's car insurance premiums are unique to them. While you can't get an exact rate without a quote, you can know what goes into calculating one. Check out rating criteria the companies use below in Belen, NM.

  • The coverages you choose
  • Policy discounts that may apply 
  • Your claims history
  • Your insurance score
  • Catastrophes reported 
  • Local crime rates 
  • Your motor vehicle record (MVR)

The national annual average cost of car insurance is $1,311. In New Mexico, it comes in just below the national at $1,237 annually.

Number of Uninsured Motorists in New Mexico

In Belen, NM, your auto policy won't cover you from an uninsured/underinsured driver without proper coverage. Uninsured/underinsured motorists insurance can be added to your policy and will pay for damage or bodily injury to you when another driver doesn't have the right insurance. Let's look at the facts.

  • National average of uninsured drivers: 13.0%
  • New Mexico average of uninsured drivers: 20.8%

Vehicle Thefts in Belen, New Mexico

If you're a victim of vehicle theft, your car insurance will only respond when you have comprehensive coverage. This is an optional limit that is necessary to avoid out-of-pocket expenses when a loss takes place. Let's take a peek at the theft rates per 100,000 people.

  • National average: 228.9
  • New Mexico average: 485.8
  • Belen average: 648.4

How an Independent Insurance Agent in Belen, New Mexico, Can Help 

If you're looking for the perfect car insurance policy in Belen, New Mexico, you're not alone. There are numerous options when it comes to finding the right insurance. Fortunately, a licensed professional can help review your policy for free, making it a no-brainer.

A Belen, NM, independent insurance agent does the shopping through their markets, ensuring you have the best coverage in town. Not only that, but they'll find a competitive rate so that you're not breaking the bank. Connect with a local expert on to get started today.

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