Auto Insurance
Coverage for wherever the road takes you.
From daily commutes to weekend drives, your auto insurance should fit the way you use your vehicle.
Based in Albuquerque, Western Assurance Associates serves clients throughout New Mexico, Texas, Colorado, and Arizona. Our team takes the time to understand your needs, explain your options, and help you explore coverage from the insurance companies we work with.
What can auto insurance help protect?
An auto policy can include several different types of coverage. The right combination depends on your vehicle, your needs, and the level of protection you’re comfortable with.
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Helps protect you if you’re legally responsible for injuries to another person or damage to someone else’s property in an accident.
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Helps pay to repair or replace your vehicle after a covered collision, subject to your deductible and policy limits.
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Helps protect you when you’re involved in a covered accident with a driver who has no insurance or not enough insurance to cover the loss.
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Helps cover eligible medical expenses for you and your passengers following a covered accident, up to the limits of your policy.
How much auto insurance does New Mexico require?
New Mexico drivers are required to carry minimum liability limits of:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$10,000 per accident for property damage
Meeting the state minimum is only a starting point. We’ll help you consider whether higher limits make sense for your situation.
Liability, collision, comprehensive what do you actually need?
Not every driver needs the same combination of coverage.
Liability helps protect you when you’re responsible for injuries or property damage to others, while collision and comprehensive help protect your own vehicle in different situations.
We’ll help you understand the differences and choose coverage that fits your vehicle and needs.
What affects the cost of auto insurance?
Your premium can depend on factors such as your driving history, vehicle, location, coverage limits, deductibles, and other rating factors used by the insurance company.
Different insurers can evaluate those factors differently, which is one advantage of working with an independent agency like Western.
More than a price.
Coverage that fits.
A lower premium doesn’t always mean the same protection.
At Western Assurance Associates, we’ll help you compare your options, understand the differences, and choose coverage that makes sense for you and your vehicle.