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I just got a quote from State Farm in Alamogordo for insurance on my 2016 F-150 and was surprised that the same Uninsured Motorist coverage I pay $46 per six months for here in Oregon is $142.88 per six months in New Mexico. Agent confirms that it's because the number of uninsured drivers on New Mexico roads is very high. Is this likely related to the proximity to the border and its issues?
Is this likely related to the proximity to the border and its issues?
I don't think it has anything to do with the border, but rather a lack of enforcement of the "requirement to have insurance" law. And the likelihood that those who do have insurance have the minimum, which is less than you have, meaning that you insure for the difference. Lots of fairly poor people here.
I don't think it has anything to do with the border, but rather a lack of enforcement of the "requirement to have insurance" law.
From what I've heard by listening to my police scanner (radio) for the last 20-plus years, it's the fact that so many who are stopped for infractions are driving with suspended licenses and registrations as well as being uninsured. And many have outstanding warrants for "failure to appear." It's no different for those convicted of DUI who are repeat offenders and yet they just keep on keeping on!
Until there is some way to get these repeat offenders off the roads and keep them off, and tougher inescapable penalties, the problems will persist.
Is this likely related to the proximity to the border and its issues?
You used to see a lot more Mexican national license plates (particularly those from Chihuahua) on New Mexico roads in decades past than you do today. A fun cultural fact, the Chihuahua license plate used to say "FRONT CHIH" on it, which was short for "Fronterizo Chihuahua" (Chihuahua "the border", not "the Chihuahua Frontier").
I was always told as a child that the Mexicans were idiots because they put "FRONT" on the back of the car.
In the rare instances I see them nowadays, I've always found Mexican drivers to drive annoyingly legally (if everyone else is going 80 in a 65, they're going 63). I suppose if the roles were reversed..
Wow, Nevada leads the pack with 7.2 percent undocumented.
And yes, New Mexico has an uninsured driver rate of 22 percent, vs. 9 percent in Oregon. That sure 'splains the difference in insurance rates.
Get quotes elsewhere and see if you can do better. Try an independent agent that can quote you with several different carriers.
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