1. New Mexico home insurance: You'll pay higher premium if you buy a house in a locality which has only a volunteer fire service instead of a full-time fire service. Also bear in mind that your premiums will be further affected by your home's distance from a fire station, firefighting equipment or hydrant. Simply put: the closer your house is to firefighters and their equipment, the more affordable your rates will be.

2. You'll save more if you buy a house as close as possible to a police station. This also will help in reducing your homeowners insurance premium.

3. New Mexico home insurance: Is the neighborhood a trouble spot? Insurers regard houses in such neighborhoods as high risks and higher rates are the unavoidable consequence. Two homes just a street away from each other could be grouped into opposite risk zones on an insurer's map. You can call up an insurance agent or insurance office and ask. The home on the adjoining street could be zoned into a low crime area while yours is zoned to a high crime area.

4. A better secured home will attract some discounts too. Dead-bolt locks and burglar alarms may get you savings of around five percent. With the installation of special security systems you could be given discounts of about 20 percent from some insurance companies. Just remember that those systems must be those recommended by your insurer for you to get such big discounts. If you consider how expensive such advanced security systems are, the discounts you get for fitting them may be far less than what you spent.

5. New Mexico home insurance: A home of smokers will pay expensive rates. It will save you much if no one living your household smokes. Over 20,000 residential fires are caused by smoking annually. Discounts to non-smoking households aren't available with all insurance companies.

New Mexico home insurance: You will save more by visiting a minimum of 3 quotes sites. If you do this, you will get the lowest quotes available since three sites will give not less than 15 quotes altogether.