New Mexico Insurance Insights

01/23/2026

🚨 Friends, let's talk about something that hits the wallet hard: CHEAP INSURANCE

"Cheap" insurance might feel like a win today... but it can cost you WAY more tomorrow. 😩💸

You see those super-low quotes online or from that one company promising rock-bottom rates " I only pay $29 for my new car"? .........................Here's the real story most people miss:

1. Coverage gaps that leave you exposed

Cheap policies often skimp on limits or exclude stuff like Uninsured Motorist coverage or even your entire roof! You may be only paying $29 a month but you could be left footing the bill for your entire roof or not being compensated for being unable to go to work due to injury following a car accident.

- Real example: A low-liability-only auto policy might save $50/month... until you're at fault and owe $20k+ in medical bills or repairs for someone you injured by accident

2. Higher deductibles

That low premium usually means a sky-high deductible ($1,000–$2,500+). We have all seen that new vehicle driving around with a missing bumper and red tape over the tail light. You will have to save that $50 a month for the next few years before you can pay for those damages.

3. Claims nightmares

Cheaper companies sometimes have slower service, more denials, or fight payouts harder to keep costs down. (Stats show denial rates can vary wildly between insurers—some hit 20–30% on disputed claims!) When you need help most? Crickets or delays. Look for claims Satisfaction numbers before you buy, right now Farmers is sitting at the best in the industry per 2025 data 94%

Bottom line: Cheap insurance isn't always affordable insurance. Instead look for value.

It's like buying the cheapest tires—they might save you now, but leave you stranded when you need them the most. 🛞💥

Pro tip: Find a good LOCAL agent! Remember C's get degrees and some agent see customers as nothing more than a paycheck. Shop for value, not just the lowest number. Compare apples-to-apples (same coverage limits, deductibles, etc.), check reviews for claims handling (J.D. Power, NAIC complaint ratios), and ask about real customer experiences.

What's your biggest insurance horror story—or smart move—that saved you money in the long run? Drop it below! 👇 Let's help each other avoid the traps. Cheap doesn't = good.

01/19/2026

01/13/2026

Hey NM, with the cost of technology on the rise, having a dropped phone, tablet or computer can mean $1000's in unplanned expenses. Lucky Farmers has just released a new device protection product that not only protects your mobile electronics, it also covers all your other home electronics from TVs and gaming systems to Roombas and headphones. Link below for all the details and at $35 a month far cheaper than anything offered from AT&T, Verizon, T-Mobile or Apple and covers a whole lot more!

DM me for details or click on the link below.

https://instore-amer.likewize.com/farmers/selfenroll?refid=16256132Dado2606&utm_medium=agent

🎧 Not Just Phones: What Else is Covered?
Farmers® Total Device Protection helps you cover more than you think:
✔ Tablets
✔ VR headsets
✔ Gaming consoles
✔ Smartwatches
✔ Headphones & fitness bands
✔ Smart thermostats
Help protect your eligible household tech with one easy plan.

https://instore-amer.likewize.com/farmers/selfenroll?refid=16256132Dado2606&utm_medium=agent

09/24/2024

This month is life insurance awareness month, which makes it a great time to review what life insurance you have in place and if you have any questions its, also a great time to get a hold of me and get them answered. In most cases we can get something in place for a little as $25 a month

Lets Talk!

01/08/2024

Understanding Escrow Accounts in Homeownership

Many individuals, myself included, often encounter the concept of an escrow account for the first time when purchasing their initial home. During this period, a barrage of unfamiliar terms, including "escrow account," is introduced. Essentially, an escrow account is established based on the trust (or lack thereof) between you and your lender.

The majority of mortgages mandate the inclusion of an escrow account to manage the payment of taxes and insurance. This requirement stems from the lender's hesitation to entrust borrowers with these crucial payments, and reasonably so. Failure to pay insurance premiums could result in the loss of the home, which serves as collateral, while unpaid taxes grant local authorities rights to the property.

Here's how it operates: each month, when you make your mortgage payment, it is divided into three segments – one for the loan payment, one for insurance, and one for taxes. The latter two portions are funneled into a savings account, commonly referred to as the escrow account, to ensure timely payments of taxes and insurance.

Annually, you receive a new tax bill from the county, and your insurance company issues a renewal offer. Any increase in these bills prompts a corresponding rise in your monthly mortgage payment to maintain sufficient funds in the escrow account for the upcoming year.

If you notice a surge in your insurance bill, it's an opportune moment to explore alternative options or consult with your insurance agent to prevent an unwarranted escalation in your monthly mortgage payment.

I trust this information proves helpful. Should you seek further clarification, feel free to reach out. Wishing you a fantastic week ahead!

Call now to connect with business.

01/01/2024

🐸💡 Insurance Alert! 🛡️✨

Hey everyone! 🌟 Let's talk about insurance rates and the proverbial frog in hot water. 🐸🔥

Imagine you're that frog, and the water you're in symbolizes your insurance rates. As the temperature gradually rises, you might not notice the change at first. Similarly, insurance rates can creep up over time (sometimes all at once), and you might not realize how much you're paying until it's too late.

Here's the deal:

1️⃣ Gradual Increases: Like the frog not noticing the heat, insurance rates can slowly rise, impacting your budget without you realizing it.

2️⃣ Avoiding the Boil: The frog might stay in the water until it's too late to jump out. Don't wait until your budget is boiling over! Regularly check and compare insurance rates to make sure you're not paying more than necessary.

3️⃣ Shop Around: Just as the frog needs to react to the changing water temperature, you should proactively shop around for insurance. Compare quotes to ensure you're getting the best value for your coverage.

4️⃣ Best Coverage: Don't compromise on coverage! While checking rates, make sure you're getting the best coverage that fits your needs. It's not just about the price; it's about having the right protection.

Ready to take control? 🌡️💼 Click the links below to get personalized insurance quotes and ensure you're getting the best coverage:

🔗 Auto Quote Request https://fb.jotform.com/223414923906052
🔗 Home Quote Request https://form.jotform.com/223404786316053

Don't be the frog in hot water with rising insurance rates! Be proactive, make sure your insurance fits your budget, and that you're getting the coverage you need. 🤝💙

Have a Great New Year!!

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