Finding the Right Insurance Company in Roswell, NM

Roswell, New Mexico is home to about 48,000 residents. It is the fifth largest city in the state. Located in the southeastern region, Roswell lies on the Pecos River. It is surrounded by livestock farms and oil and gas operations. The city has a rich history and culture. It is known for being the site of an alleged UFO crash in 1947. This led to the rise of a major tourist industry focused on UFOs and space exploration.

With a thriving local economy, residents of Roswell need to protect their assets. This makes having proper insurance coverage important. There are many insurance companies operating in the city. Read on to learn about major firms and how to pick the right one for your needs.

Types of Insurance Carriers in Roswell

Roswell, NM has a range of insurance carriers offering various policies:

• Auto Insurers – Major firms like Geico, State Farm, Allstate, and Farmers provide car insurance. There are also local independent agencies.

• Home Insurers – National brands such as Liberty Mutual, Travelers, and Nationwide offer homeowners insurance. Local brokers also provide policies.

• Business Insurers – Companies like The Hartford, Chubb, CNA, and Erie Insurance offer commercial plans for Roswell companies.

• Health Insurers – Top health insurance providers in the city include Blue Cross Blue Shield of New Mexico, Presbyterian Health Plan, and Western Sky Community Care.

• Life Insurers – National life insurance companies with regional offices include Northwestern Mutual, New York Life, and Pacific Life.

You can purchase insurance directly through company websites, agents, or on health insurance exchanges.

How to Choose the Right Insurance Company

With so many insurance options in Roswell, picking the right provider involves research and comparison. Here are some tips on choosing quality insurance:

• Check financial strength ratings – Choose companies with ratings of “A” or higher from agencies like A.M. Best. This indicates financial stability.

• Compare quotes – Get quotes from multiple insurers to find the best rates for your specific needs.

• Look at customer service reviews – Pick a company known for easy claims processing and responsive customer service.

• Consider discounts – Find insurers offering discounts like safe driver, home security, multi-policy, and loyalty rewards.

• See if they offer additional benefits – Look for value-added benefits like roadside assistance with auto insurance or identity theft protection on homeowners policies.

• Understand the policy details – Read policy documents to ensure you get the coverage you need. Avoid gaps.

• Check provider networks – For health plans, ensure your doctors, hospitals, and pharmacies are in-network to minimize costs.

• Ask friends and family – Personal recommendations from people you know can help identify reputable companies.

Top Insurance Companies in Roswell, NM

Some leading insurance carriers with a strong presence in Roswell are:

Auto Insurance

• State Farm
• Geico
• Allstate
• Progressive
• Farmers Insurance

Homeowners Insurance

• State Farm
• Allstate
• Farmers Insurance
• Liberty Mutual
• Nationwide

Health Insurance

• Blue Cross Blue Shield of New Mexico
• Molina Healthcare
• Presbyterian Health Plan
• Cigna
• UnitedHealthcare

Life Insurance

• Northwestern Mutual
• New York Life
• State Farm
• Pacific Life
• Mutual of Omaha

Local Independent Insurance Agencies

In addition to national insurance brands, many independent insurance agencies operate in Roswell. These family-owned businesses offer policies from multiple insurance companies. This allows them to shop rates and tailor plans. Some leading local agencies include:

• Angelica Quintana – Meridian Financial LLC
• Ollie O Atkinson – Atkinson Insurance Agency
• Brown & Brown Insurance – Roswell
• Powell Insurance Agency
• Roberson-Nay Insurance Agency LLC
• Jim Harris Insurance Agency
• Salvador Zamora – Zamora Insurance Agency

When you work with a local insurance broker, they leverage their market knowledge to find you the right coverage. They also provide personalized service and advocacy when you have a claim.

How Local Agencies Help Find the Best Insurance

Independent insurance agencies in Roswell can help identify the right insurance company for your situation. Here are some benefits of using a local agency:

• Offer choice – They work with multiple insurers and can match you with the best company based on pricing, features and financial strength.

• Provide expert guidance – Agents have specialized product knowledge and can explain coverage to ensure you get the right policy.

• Know the local area – They understand the risks and challenges specific to Roswell like weather exposures, crime rates, and accident frequency.

• Offer personalized service – You have someone who knows you and your insurance needs. They proactively keep your policy updated.

• Advocate for you – In the event you have a claim denied, they can negotiate on your behalf and appeal denials.

• Ease switching process – Agencies make it simpler to change insurers if you are unsatisfied without starting anew.

• Consolidate policies – You can often bundle multiple policies like home and auto for a multi-policy discount.

So take advantage of insurance expertise in your area. Visit or call some Roswell agencies to discuss your insurance options.

Top Factors to Consider When Choosing Insurance

Regardless of whether you choose a national carrier or local agency, picking the right insurance involves assessing some key factors:

Coverage Details

• Does the policy offer the scope of coverage you require? Avoid gaps.

• Are any important exclusions or limitations applied?

• Will claim limits be sufficient for your assets?

Cost

• What is the annual or monthly premium?

• Are you eligible for any discounts to reduce the base rate?

• How much are the deductibles and copays? Are they affordable?

Company Reputation

• Does the insurer have strong financial ratings indicating stability?

• Are customers satisfied with ease of claims and customer service?

• How long has the company been in business?

Agent/Agency Rapport

• Were they attentive to your needs and questions?

• Do they take a consultative approach in recommending a policy?

• Will they provide ongoing support and policy management?

Take the time to make an informed insurance decision for your specific situation in Roswell. With an abundance of insurance choices, you can find coverage that fits your budget and gives you peace of mind.