Reader’s Question:

Is it true that a car insurance company here in New Mexico can give preferred auto insurance ratings or premiums to certain professions?

Andrea

Rio Rancho, NM

Yes, it is possible for certain individuals or professions to have better rates than others. Except for those under military, national guard or coast guard service, certain jobs that posses low-risk in getting involved in accidents can be given discounted auto insurance ratings on their premiums. Such jobs include work-at-home employees or professionals like engineers, doctors or teachers and others who have “Desk Jobs”. Aside from the low accident risk these kind of drivers posses, an auto insurance may also see the possession of college degrees and an indicator of a more responsible driver.

You may also be interested to know about other ways to increase your chances of getting favorable auto insurance ratings and premiums for your vehicle there in New Mexico:

1. Other forms of auto insurance discounts are available, including those for completing defensive driving classes, good student discounts for students who are bringing home good grades, installing additional safety measures and mechanisms on your car and taking advantage of low mileage discounts.

2. Don’t forget to ask about good driver discounts if you have been driving for three to five years without having incurred any traffic violations or gotten involved in car accidents.

3. Some providers have annual payment features that allows for cheap auto insurance premiums in the long run. You could also go with higher deductibles on your policy to lower down your regular premiums.

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