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albuquerque, take note - additional auto insurance discounts

Once you've gotten your online quotes for you Albuquerque area zip and are narrowing down your choices, you may want to consider whether or not you qualify for any of the following discounts. (Note - some of these will be taken into consideration as you get your quotes):

  1. Good behavior discounts
    • Clean record:  If you have avoided claims and tickets in the past, this should bring your policy down.
    • Continuity of insurance:  Some carriers will provide a discount if you have retained auto insurance without break for a number of years.

  2.  Loyalty discounts
    • Combination of insurance:  If you insure your home and your car with the same company, you can receive a discount of up to 10%-20% on both; also, you often get a discount for insuring more than one car with the company.
    • Renewal:  When you renew your auto insurance, be sure to ask for any discount that might apply.

  3. State in life discounts
    • Student:  Some auto insurance carriers provide discounts for students.
    • Some professional affiliations can provide you with a discount.  Be sure to inquire after a full list.
    • Age:  With some companies, as you get beyond a certain age threshold, you pay less.
    • Gender:  Women often pay less for auto insurance than men, simply because they are women (and women historically get in fewer accidents, receive less tickets, etc.).
    • Credit rating:  You’ll pay less if you have good credit.

  4. Vehicle-related discounts
    • Theft recovery or deterrent devices on your car often bring your premium down.
    • Passive restraints and airbags are also a plus.
    • Finally, if you drive a relatively low number of miles each year (e.g. 12,000 or less), you may get a discount because you’re out on the road less.