No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada. Your policy won't cover international travel outside of Canada. Whether you're on vacation out of state or taking a long road trip, you can drive with confidence knowing that you're insured up to the limits of your policy. If you spend a significant amount of time out of state, the situation can get complicated when it comes to the state where your insurance policy should come from.
You may also need an additional policy if you store cars in two different states. Your personal auto policy with Progressive can cover you while you're driving a rental car, up to the extent of the coverage you have for your own vehicle. For example, if you have comprehensive coverage for your car, that protection will extend to most rental vehicles. According to an auto insurance study, State Farm could offer the best car insurance in New Mexico for those looking for great customer service.
If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. If you use your car only on weekends or for occasional day trips, you'll likely save fewer miles on your car each year than if you also used it for work, and that can be factored into your quote. However, before you decide to temporarily suspend car insurance, remember that some coverages, such as comprehensive coverage, can protect your vehicle even when you're off the road. The Name Your Price tool, in particular, could help streamline the shopping experience for customers looking for the best car insurance in New Mexico, but aren't sure which coverage options are best for them.
You should avoid completely canceling your car policy if you plan to drive again in the future, as a lapse in car insurance coverage will likely result in a higher premium when you start driving again. But if it's a company car that isn't your personal property, your company must manage the necessary insurance. You'll also need to give the insurance company your address, a basic summary of your claims and your insurance history, as well as the types of coverage options you would like to include. If you keep your car for an extended period of time, suspending car insurance could save you money.
However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. It's important that you honestly answer your insurer's questions about car use, as lying can be considered auto insurance fraud. You'll likely be asked to maintain a minimum level of comprehensive auto insurance coverage and car collision coverage, in addition to the state-mandated liability coverage, even if you don't drive your car.
Because of the state's location, New Mexico drivers may be especially interested in Allstate's tourist car insurance policy in Mexico. While there is no distinction between a pleasure car insurance policy and one for trips to work, the use of the car can be a factor affecting the quote and rate of car insurance.