As summer winds down, many New Mexico families are preparing for a busy season filled with back to school activities, weekend road trips, sporting events, and holiday travel. It’s a great time to review your auto insurance policy and make sure your coverage still fits your needs.
A quick insurance checkup can help you avoid unexpected surprises if you’re ever involved in an accident.
1. Review Your Deductible
Do you remember what your deductible is?
Choosing a higher deductible can lower your monthly premium, while a lower deductible means you’ll pay less out of pocket if you need to file a claim. Take a moment to review your deductible and decide if it still makes sense for your budget.
2. Make Sure All Drivers Are Listed
Has your household changed recently?
You may need to update your policy if:
- A teen has recently earned their driver’s license.
- Someone in your household has moved in or out.
- A family member is driving one of your vehicles regularly.
- Someone is no longer using a covered vehicle.
Keeping your driver information current helps ensure everyone who should be covered is properly listed.
3. Update Vehicle Information
If you’ve bought, sold, or traded a vehicle this year, make sure your insurance policy reflects those changes.
Even smaller updates, such as adding custom equipment or making significant modifications to your vehicle, may affect your coverage.
4. Look for Coverage Gaps
Now is a good time to review the protections included in your policy.
Ask yourself:
- Do you have comprehensive and collision coverage?
- Are your liability limits high enough to protect your assets?
- Do you have uninsured or underinsured motorist coverage?
- Would roadside assistance or rental reimbursement be helpful?
- Do you have enough coverage if your vehicle is totaled?
Your insurance needs can change over time, so it’s worth reviewing your options each year.
5. Prepare for More Time on the Road
Fall often means more driving than you realize.
Between school drop offs, after school activities, weekend sports, family gatherings, and holiday travel, your vehicle may spend much more time on the road. Making sure your insurance is up to date can give you confidence wherever the season takes you.
Let ABQ Insurance Help
If you’ve added a new driver, purchased another vehicle, or simply want to review your current coverage, the team at ABQ Insurance is here to help. We’ll answer your questions, explain your options, and help you find coverage that fits your needs and budget.
Contact one of our convenient locations today to schedule your auto insurance review.
ABQ Insurance
Albuquerque Office
📞 (505) 217-2100
Rio Rancho Office
📞 (505) 433-6990
