06:41 | 22/11/2021 Print
|10 Best Car Insurance Companies In New Mexico With Cheapest Quotes and Good Services|
If you are having trouble looking for the best insurance companies with cheap quotes and good prices, the article below will help you.
New Mexico is a state in the Southwestern United States. It is one of the Mountain States of the southern Rocky Mountains, sharing the Four Corners region of the western U.S. with Utah, Colorado, and Arizona, and bordering Texas to the east and southeast, Oklahoma to the northeast, and the Mexican states of Chihuahua and Sonora to the south.
New Mexico has one of the highest rates of uninsured drivers in the United States. Throughout the United States, 13% of drivers do not have insurance; in New Mexico, almost 21% of the cars on the road are uninsured. This, along with the poor condition of the streets, could be factors contributing to the cost of auto insurance in the state. It is not easy to find a good car insurance company with cheap quotes and good services, that’s why we are here to help you.
Each state requires that you have certain types of coverage with minimum liability limits. The insurance industry recommends that your bodily injury liability limits be at least $100,000 per person and $300,000 per occurrence.
New Mexico law requires drivers to have auto liability insurance. New Mexico is considered a traditional tort state, which means if you are in an accident with another driver his or her insurance company covers your losses or you have to file a lawsuit to recover disputed damages for injuries and property. New Mexico law mandates that auto insurance policies provide the following:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$10,000 per accident for property
Uninsured/underinsured motorist coverage. Insured motorists who are concerned about being in an accident with an uninsured motorist can purchase this optional coverage to ensure their losses are covered.
Medical Payments Coverage or MPC. This optional coverage pays for reasonable expenses you and your passengers incur because of injury in a motor vehicle accident, regardless of fault. Coverage amounts available vary from company to company. You may wish to purchase it if you do not have health insurance, or to supplement any health insurance you do have.
Collision & Comprehensive. Collision insurance pays for damages to your car caused by another vehicle, an object or a rollover. Its not required by law, but most lenders require collision coverage for financing. Comprehensive insurance protects you against damage to your own car from perils like fire, theft, glass damage, hail, wind, flood or vandalism. Comprehensive isn't required either. If you have an older car, consider dropping these types of coverage to save on insurance premiums.
If you can afford more insurance, carrying more than the mandatory minimum requirement is recommended. Think about the amount of insurance you'll need when you need it the most. Families should sit down with their insurance agent or company representative to determine the right amount for each individual and family.
New Mexico uses a three-stage licensing system for new drivers under the age of 18. The first stage is the learner's permit, for which teens become eligible at age 15. Only supervised driving with an adult 21 or older is allowed with this permit. It's important to note that a teen must complete or be enrolled in driver's education to receive a permit. At age 15 ½ and after 50 hours of supervised driving, a teen can apply for the provisional license. This license allows teens to drive unsupervised during daytime hours. After holding the provisional license for 12 months, a teen may apply for a full license.
(According to The Zebra)
3. State Farm
6. The Hartford
8. Cal Casualty
Safeco Insurance, a member of Liberty Mutual Group, is an American insurance company. It held the naming rights to the Seattle Mariners baseball stadium Safeco Field from its opening in 1999 through the end of the 2018 season.
While Safeco policies include these standard types of coverage, the company also offers these unusual features that set it apart from most insurers:
First aid reimbursement up to $10,000 for first aid administered after an accident.
Accident forgiveness: After a certain number of years with no accidents or violations, Safeco won’t raise your rates after your first accident.
Diminishing deductible: If you don’t make a car insurance claim, Safeco will reduce your collision deductible each year by $100, up to $500 or five years.
In addition, you can choose from several coverage options if they’re available in your state, including:
Rideshare coverage: If you drive for a company like Uber or Lyft, your personal policy is suspended while you use the app. Meanwhile, the ridesharing company’s insurance is limited between rides. Safeco can cover the gap for less than $10 per month for most drivers in states where this coverage is available.
New car replacement: If your car is totaled or stolen and is less than one year old, Safeco will pay to replace it with a comparable new car.
Personal property coverage pays out if your belongings are damaged in an accident or stolen from your car. Typically, this is covered by renters or homeowners insurance if you have it.
An emergency assistance package includes roadside assistance and personal property protection, plus up to $100 for expenses and up to $500 for meals, lodging and transportation if you’re in an accident more than 25 miles from home.
Gap coverage: If your car is totaled or stolen, Safeco pays the difference between how much is left on your loan or lease and the value of your car.
Electronic key and lock replacement pay to replace lost or stolen electronic keys, remote control pads, and locks, with no deductible.
CD and DVD replacement pays out when your audio-visual media such as DVDs, CDs, and videotapes are damaged or stolen.
Custom equipment coverage will protect equipment that was not installed at the factory or dealership, including permanently installed audiovisual equipment, a modified or custom engine, roll bars, custom wheels, murals, and decals.
Pet coverage pays for veterinary expenses or a death benefit if your cat or dog is injured or dies in a collision.
USAA offers great rates for its policyholders for both auto and homeowners insurance. Young drivers are particularly likely to save the most by selecting USAA for car insurance. And for homeowners insurance shoppers, people with more expensive homes are likely to find particularly low premiums with USAA.
USAA auto insurance coverages
USAA provides standard coverages, such as liability, comprehensive and collision insurance, that you would expect from an auto insurer or that might be required in your state. In terms of additional coverage options, USAA has a wide variety of insurance offerings but does not offer anything that you wouldn't likely be able to find with a similar national insurer.
Car Replacement Assistance coverage: This is essentially what other insurers might call "new car replacement coverage." Car Replacement Assistance (CRA) pays 20% — in addition to the actual cash value of the vehicle — if your car is totaled. This coverage is not available for leased cars. CRA is only available to vehicles with both comprehensive and collision coverage, and signing up for CRA could increase your premiums by 5%.
Accident Forgiveness: With Accident Forgiveness, USAA auto insurance customers will not see their rates go up after one at-fault accident. Similar to Geico's accident forgiveness program, this coverage can either be earned or purchased. Qualifying drivers who have no at-fault accidents for five years while being insured with USAA will automatically receive this benefit. Purchasing this coverage could cost drivers an additional 4% in their auto insurance premiums, judging from the quotes we gathered.
Rental Reimbursement: In the event of a covered loss where your vehicle is in need of repair, USAA will pay for a rental vehicle. Unlike other insurers — which let you select a daily limit as well as a limit per claim — USAA lets customers select a type of vehicle: Economy, Standard, Multipassenger-Truck or Large SUV. The specific coverage limits for Rental Reimbursement will be spelled out in your insurance policy. According to the quotes we gathered, adding this coverage with an economy rental costs around $60 more per year.
Towing and Labor: If you are in need of roadside assistance, having this coverage will pay for the cost of towing to the nearest repair shop, the cost of gas delivery, a tire change and any labor performed where your car broke down. USAA will specify coverage limits on your individual policy. We found this coverage to cost an additional $18 on yearly auto insurance premiums for each driver profile we examined.
Rideshare Gap Protection: This coverage protects rideshare drivers during the times where they may not be covered by their personal auto insurance policy or the coverage provided by their rideshare service — such as Uber or Lyft.
Customers looking for full glass coverage — so they won't have to pay out of pocket for windshield or window repairs — might be disappointed with USAA's offerings. Unlike many other insurers, full glass coverage is only automatically included by USAA with comprehensive coverage only in Florida, Kentucky, Massachusetts and South Carolina. However, USAA customers may have the option to choose full glass coverage — for an additional charge — if they live Arizona, Connecticut, Minnesota or New York.
Gap insurance is designed for drivers who finance or lease their vehicles, and it covers the difference between what drivers owe and what their cars are worth in the event of a total loss. USAA does not offer gap insurance for leased vehicles, though it does provide similar products for purchased vehicles.
Drivers who get a car loan through USAA have the option to purchase Total Loss Protection, which functions similarly to gap insurance. This will cover the gap between what you owe and your car's actual cash value (ACV) up to $50,000, including $1,000 of your deductible.
Car Replacement Assistance (CRA) — which can cover the same costs as gap insurance — is available if you have either bought a car outright or have an auto loan through USAA or another lender. The main difference between gap insurance and CRA is that CRA will pay 20% more than the ACV of your car, whether this exceeds or is less than the amount you owe on a vehicle. For example, if you totaled your car and owed more than 20% over the ACV of your car, you would be left paying out of pocket for the remaining balance of your loan. While gap insurance is also limited on how much it will cover, in most cases the limit will be greater than 20% of your car’s ACV. On the other hand, if your car isn’t financed, CRA can play a valuable role in helping you to purchase a new vehicle in the case your car is totaled, not just pay off a loan as gap insurance does.
State Farm dominates in the auto insurance space with a market share of 16%. The insurance company's coverage spans the U.S. Those who prefer a more personal experience can easily get in contact with State Farm's network of agents. This popular insurance company also boasts good ratings from reputable third parties, with positive assessments of its customer satisfaction and financial outlook.
Coverage options and discounts for State Farm car insurance are comparable with those offered by other large companies — but those looking for an impressive selection of add-ons and extras could be found wanting.
State Farm Auto Insurance Coverage
With State Farm car insurance, you can get all the standard types of car insurance offered by most companies. These include:
Liability auto insurance (bodily injury/property damage)
Comprehensive car insurance
Medical payments (MedPay)
Personal injury protection (PIP)
Uninsured/underinsured motorist coverage (UM/UIM)
It should be noted that BI/PD is required by almost all states. Some states also require medical coverage or UM/UIM. All no-fault states require PIP since it covers the driver no matter who is at fault.
Car Insurance Extras
You can get a number of add-ons with State Farm, which is one reason why State Farm insurance reviews so well. These add-ons include:
Rental and travel expense coverage: With a Car Rental Expense, State Farm will cover a rental car while your car is being repaired after a covered claim (up to the limits you choose). With Travel Expenses, State Farm will pay for meals, lodging, and transportation (up to $500) if you get in an accident more than 50 miles from home and can’t get home. The insurance provider also covers a return trip to pick up your car. Finally, State Farm auto insurance can pay up to $500 toward a deductible after you have an accident in a rental car.
Rideshare insurance coverage: If you drive for Uber or Lyft, you should add this option to your policy. That’s because a standard auto insurance policy doesn’t cover commercial use of your vehicle. You are usually covered by the rideshare company when you are driving to pick up a person or drop them off, but you aren’t covered when you are waiting to accept a trip from the app.
State Farm roadside assistance: State Farm offers emergency road service that includes one hour of labor at the breakdown site, towing to the nearest repair shop, fluid delivery, jump-starts, spare tire installation, and lockout services.
Allied has a wide array of offerings for the average driver. Their discounts aren’t as robust as some, but the company benefits from a strong financial rating and a generally favorable customer service rating, which makes sense considering that their parent company is Nationwide. If you are looking for the cheapest car insurance, or indeed other types of coverage like home or business insurance, it could still be worth your while to shop around to find the best insurance rates.
Allied car insurance coverages and benefits
As part of Nationwide, Allied offers an extensive selection of optional coverages and benefits to supplement your car insurance policy. For new-car drivers, Allied offers "good as new" coverage, sometimes called new car replacement. For up to three years after you buy a new vehicle, this coverage will pay for a completely new replacement vehicle if your car is totaled or stolen.
Allied's loss of use coverage is also more flexible than many competitors. Rather than limiting you to renting a car, you can also use the funds to pay for alternative forms of transportation, such as ride-hailing services or public transit.
Allied car insurance optional coverages
Loss of use coverage pays for transportation costs while your car is being repaired after a crash. You can rent a car or use the money for public transportation and cabs.
Accident and minor violation forgiveness protects you against rate increases after one at-fault accident or minor violation, such as a speeding ticket.
Good-as-new coverage pays to replace your car if it's been totaled or stolen for up to three years after buying a new car.
Gap coverage pays for the difference between your car's actual cash value (ACV) and the amount you have left on your lease or loan if your vehicle is totaled or stolen.
Vanishing deductible decreases your deductible by $100 for each year of safe driving.
Total loss deductible waiver covers your collision or comprehensive deductible if your car is totaled in a crash.
Roadside assistance includes a variety of services if your car breaks down. Allied offers two levels of coverage.
Allied Insurance discounts
Allied Insurance offers an array of discounts for safe driving or policy bundling (grouping multiple policies together). However, many of the discounts it offers are also available at competing insurers. One exception is Allied's special discount for members of the Farm Bureaus of California, Delaware, Maryland, Ohio or Pennsylvania.
Multipolicy/bundle discount if you have Allied car insurance plus home or life insurance policies
Multivehicle discount for insuring multiple vehicles
New vehicle discount for insuring new vehicles
Accident-free discount for each year you don't get in an accident
Good student discount for students with a B average or better
Prior carrier discount for switching to Allied from another insurer
Farm Bureau discount for being a member of Farm Bureau in California, Delaware, Maryland, Ohio or Pennsylvania
Dairyland Insurance was established in 1953 and is headquartered in Wisconsin. The company sells auto insurance, motorcycle insurance and off-road vehicle insurance in 37 states. Dairyland advertises affordable car insurance policies and also offers non-standard insurance, including SR-22 filings, for high-risk drivers.
Dairyland offers several discount opportunities for drivers who want to get a lower rate. In terms of coverage, the company offers several endorsements for more protection, like gap insurance and special parts coverage.
Types of coverage
Dairyland offers full coverage and minimum coverage policies that comply with state requirements. You can purchase liability, comprehensive, collision, medical payments, uninsured/underinsured motorist coverage and personal injury protection insurance, depending on your state’s car insurance laws.
In addition to standard auto insurance policies, Dairyland also offers several add-on coverage options, including:
Special equipment coverage: Special equipment coverage pays to repair or replace aftermarket or custom parts you have installed in your vehicle after a covered claim.
Gap insurance: If your car is financed or leased, gap insurance will help pay off your loan balance if your new car gets totaled in a covered accident.
Rental reimbursement: Rental reimbursement will pay for a rental car if your vehicle is getting repaired after a covered accident.
Dairyland has several discounts available for drivers who want to save money on car insurance. Keep in mind that some discounts may only be offered in select states. While the company offers common discounts, like policy bundling, here are some of the more unique savings opportunities you can get:
Homeowner discount: If you own a home that is insured, you may qualify for a discount. You can also get a renters discount in some states.
Advanced quote discount: You could get a discount if you apply for a car insurance quote at least one week in advance from the day your policy begins.
Transfer discount: Dairyland may give you a discount if you have had a car insurance policy with the same carrier for at least six months prior to switching.
The Hartford is an insurance company that provides an array of coverage options. The Hartford — which caters primarily to drivers aged 50 and older — partners with AARP to offer special benefits to the organization's members. JD Power rates The Hartford as below average in overall client satisfaction, but the company's financial strength is high. The company has a low complaint ratio, according to the National Association of Insurance Commissioners (NAIC).
The AARP Auto Insurance Program from The Hartford Coverage
The Hartford offers a complete selection of standard auto insurance coverages, including:
Liability (bodily injury and property damage)
Personal injury protection
Uninsured and underinsured motorist
To round out your car’s protection, The Hartford also offers:
Rental car reimbursement
Towing and labor
Full glass coverage
Loan/lease (gap) insurance
In addition to the standard coverages above, the AARP Auto Insurance Program from The Hartford also offers the following features and benefits:
New car replacement coverage
RecoverCare (personal services following an accident with injuries)
No-deductible windshield repair service
Legal representation for accidents
Accident forgiveness (must qualify)
Disappearing collisions deductible (must qualify)
Factors That Affect Your Cost
Insurers offer unique rates depending upon individual factors, including your driving record, location, age, your vehicle and how you use it (personal only), typical mileage, credit-based insurance score, and other factors that can vary between U.S. states. The amount of insurance coverage you want to purchase also impacts your premium.
Progressive started its ignition in the auto insurance business in 1937 when Joseph Lewis and Jack Green had the idea of offering basic insurance that anyone could afford. Today, Progressive is the third-largest auto insurance company in the United States and a leading seller of commercial auto insurance and motorcycle insurance.
About Progressive Car Insurance
Progressive sells insurance for cars, RVs, ATVs, classic cars and boats. For drivers who prefer more unique forms of transportation, Progressive also offers Segway, Sea-Doo, golf cart and snowmobile insurance.
Optional auto insurance coverage types include roadside assistance, custom parts, rideshare insurance and rental reimbursement. Progressive also offers a deductible savings bank which helps pay your deductible. For every claim-free policy period, Progressive will subtract $50 from your deductible.
Additionally, Progressive sells loan/lease payoff coverage (also known as gap insurance). This helps cover the difference between what you owe on the car and the car’s actual worth if it’s totaled in an accident covered by your policy.
Progressive’s Usage-Based Auto Insurance
Progressive offers a usage-based program, known as Snapshot, which determines your insurance rate in part based on your actual driving.
You’ll get an automatic discount simply for participating in the program (depending on your state). Your personalized insurance rates will be calculated based on when you renew your policy, based on your driving habits.
Progressive Auto Insurance Discounts
Progressive offers many discounts, especially for drivers who practice safe driving habits. If you have a teen driver, look for Progressive’s discounts for teen drivers, good students and distant students.
If you’re a loyal Progressive customer, you can benefit from the multi-policy and multi-car discounts. Here are a few other insurance discounts you may qualify for:
Multi-policy discount: Do you have multiple policies with Progressives such as home and auto insurance? If so, this discount can save you up to 5%.
Multi-car discount: Save up to 4% by listing more than one vehicle on your car insurance policy.
Continuous insurance: If you’ve continuously had an auto insurance policy with no gaps or cancellations, whether it’s with Progressive or another insurance company, you may be eligible for a discount.
Teen driver discount: Progressive offers discounts for teen drivers on your policy to help offset the cost of adding an inexperienced driver.
Good student discount: If you add a student to your policy and they maintain a “B” average, you may be eligible for a 10% discount.
Homeowner discount: Even if you don’t insure your home through Progressive, you could receive up to 10% off your policy for being a homeowner.
Online quote discount: If you get a quote online for a Progressive policy, you could receive up to 7% off your policy.
Sign online discount: Progressive will take up to 9% off your policy if you sign your policy documents online.
Paperless discount: If you opt for paperless statements, you will automatically receive a discount.
Pay in full discount: If you pay the full policy bill upfront you can get a discount.
Automatic payments: For those who don’t want to pay in advance for their policy, you can set up automatic payments from your checking account and receive a discount. Unfortunately, you can’t combine the pay in full discount and automatic payment discount.
|Photo: Independent Colleges and Universities of New Jersey|
California Casualty has provided insurance for more than 100 years. Based in San Mateo, California, the company offers a wide range of coverage types in a number of U.S. states. However, eligibility is limited to those who work in the professions of education, nursing, law enforcement or who work as a first-responder. With its relatively limited scope, the company aims to provide special perks and benefits to its customers that wouldn’t otherwise be available.
California Casualty auto insurance coverage options
Policyholders can expect standard auto policy options including liability, comprehensive and collision coverage, uninsured motorist coverage, personal injury protection (where applicable) and medical payments. However, the company also offers some unique coverages that aren't widely available elsewhere. See below some of the additional car insurance options available through California Casualty.
For an added premium, you can add roadside assistance which can help in the event that your vehicle breaks down. This coverage includes towing and more.
Car insurance in Mexico through Cal Casualty
California Casualty partners with Mexican car insurance company Mexpro to provide coverage for international journeys south of the border. Learn more about getting coverage in Mexico.
Unique coverage perks
California Casualty customers can expect features unique to the company, including optional coverages like the following:
Coverage designed for educators
Coverage designed for firefighters and peace officers
California Casualty car insurance discounts
California Casualty offers many ways to save on your car insurance. Below is a list of some of the more common car insurance discounts available through Cal Casualty:
|Photo: 3Q Digital|
Farmers’ strongest feature is its customer service, which translates into a speedy claim process and potentially discounted rates for customers. Farmers has a strong coverage network with more than 48,000 exclusive and independent agents and approximately 21,000 employees available across all 50 states, but not the District of Columbia.
Customer reviews of Farmers generally paint the company’s agents in a positive light, so policyholders are likely to have a good experience when interacting with the company’s employees.
In terms of price, Farmers offers rates far higher than what major competitors offer. For instance, we found that Farmers' rates for a 35-year-old driver with a clean record were 67% more expensive than what Geico offered. Similarly, home insurance rates from Farmers were 30% more expensive than Allstate's rates, according to Value Penguin.
Farmers Car Insurance Coverage Options
With Farmers you can get an insurance quote online, or you can contact an agent for personalized assistance. Farmers offers the following coverage options:
This is an option you can add to your policy. Farmers will forgive one at-fault accident for every three years you go without one, helping to keep your premiums from going up.
If you’re at fault in an accident, collision coverage pays for the repairs to your vehicle. It covers repairs after accidents with other vehicles, objects, and animals.
Comprehensive coverage pays for repairs to your vehicle resulting from incidents other than accidents, such as storms or theft.
If you added after-market equipment to your vehicle, such as speakers or custom wheels, the customized equipment option will cover the cost to repair or replace those features. It’s available on any vehicle with comprehensive or collision coverage.
Full Windshield and Glass
With this coverage you’ll pay nothing out of pocket to replace your windshield or glass. It offers a $0 deductible on glass repair and replacement.
Glass Deductible Buyback
This also covers glass repair and replacement but has a $100 deductible.
This option is popular for car collectors and antique vehicle owners. It pays you a defined, agreed-upon value if your car is a total loss.
Nearly all states require liability insurance, which covers you when you’re at fault in an accident. It pays for damage and the cost of injury to others.
Loss of Use
While your car is being repaired, this pays a flat sum for transportation. You can use it to pay for public transportation, car rentals, taxis, or rideshare services.
No matter who is at fault in an accident, medical payments pays for medical care for you and your passengers.
New Car Replacement
New car replacement will pay to replace your vehicle with a new one of the same make and model if your car is totaled within the first two model years and 24,000 miles.
Original Equipment Manufacturer (OEM)
OEM coverage pays for the use of factory-original parts in repairs. It’s available on cars up to 10 years old.
Personal Injury Protection (PIP)
PIP covers the cost of your rehabilitation and lost wages after an accident, regardless of who is at fault.
If you have personal umbrella coverage, you can have additional liability insurance above the limits of your auto policy. It helps protect your assets in case of a lawsuit.
A popular option for car collectors, this will pay up to $750 to replace spare parts you keep on hand.
Towing and Roadside Assistance
If your car is disabled, this provides 24/7 aid. You can get help with towing, tire changes, or locksmith services.
Uninsured motorist coverage ameliorates your losses if you’re in an accident with a motorist who doesn’t have insurance. Underinsured motorist protection covers you if your accident partner has insufficient insurance. Both help pay for damages to your vehicle and any bodily injuries you or your passengers sustain.
Allstate Insurance was founded in 1931 as an auto insurance company. The first policy, costing $41.60, was a 12-month policy for a 1930 Studebaker. Wondering about the name Allstate? The name came from a car tire in the Sears catalog. Today Allstate ranks at No. 4 for private passenger auto insurance, behind State Farm, Geico and Progressive.
Allstate Car Insurance
Allstate sells insurance for cars, RVs, ATVs, motorcycles and boats. For those who have classic cars and want to protect their antique cars, Allstate also sells classic car insurance. Optional coverage types include:
Uninsured and underinsured motorist
Sound system insurance
Personal injury protection
For drivers worried about a rate increase after an accident, Allstate offers accident forgiveness insurance as another add-on to your policy. Ths coverage “forgives” an accident and it won’t result in a premium increase, even if the accident was your fault.
If you just bought a new car, you might want to consider new car replacement insurance. If your car is two model years old or less, this coverage replaces your car with a new car of the same make and model if it was totaled in an accident covered by your policy.
Other add-ons offered by Allstate include rideshare insurance and additional car insurance for drivers who are going south of the border to Mexico, according to Forbes.
Allstate Car Insurance Discounts
Allstate offers several discounts, especially for safe drivers. Parents of teen drivers can take advantage of discounts like the smart student discount and the teenSMART driver education program. You can also get discounts on car features like anti-lock brakes and anti-theft devices. Other Allstate auto insurance discounts include:
Multiple policy discount: If you have more than one Allstate policy, you could save money off your premiums.
Early signing discount: If you sign your policy seven or more days before it becomes effective, you could receive a discount.
Responsible payer discount: If you haven’t received a cancellation notice within the past year, you can get a discount.
Anti-lock brake discount. Driving a car with anti-lock brakes will save you money on your car insurance.
New car discount: If you are the first owner of a car that is the current model year or one year prior, you could save money on your premium payments.
Anti-theft discount. If you have an anti-theft device in your car, you’ll save money on your car insurance premium.
EZ plan pay discount: Get a discount by setting up an automatic payment plan.
Allstate eSmart discount: By signing up for an ePolicy and going paperless, you can get a discount.
FullPay discount: You can save by paying your annual premium in full.
Safe driving club discount: If you meet certain safe driving requirements, you could qualify for the safe driving club and earn a discount.
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