El Paso, TX Car Insurance Savings the Insurance Companies Don’t Want You to Know About

If you are a novice to online car insurance shopping, you may be overwhelmed by the sheer number of online car insurance companies and websites vying for business in El Paso.

It’s important to compare prices at least once a year due to the fact that insurance rates change regularly. Even if you got the lowest rates on your last policy you will most likely find a better rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper car insurance.

Finding the best rates in El Paso is not rocket science. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. But Texas consumers must know the way insurance companies market on the web and apply this information to your search.

How to Get Car Insurance in El Paso

There are several ways to compare rate quotes from car insurance companies in your area. The easiest way to find the cheapest insurance rates involves getting comparison quotes online. This is very easy and can be done in several different ways.

• The easiest and least time consuming way to get quotes would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do multiple quote forms for each company you want a rate for. One form submission will get you price quotes from multiple low-cost companies.It’s the quickest way to get rates.
• A more time consuming way to get comparison quotes requires you to visit the website of each company to request a price quote. For instance, let’s say you want rates from GEICO, Allstate and Progressive. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular.

  For a handy list of car insurance company links in El Paso, click here.

It’s up to you how you get prices quotes, just compare identical quote information for every company. If the quotes have unequal deductibles or liability limits it will be impossible to decipher which rate is best in El Paso. Quoting even small variations in coverage limits may result in a large different in cost. And when price shopping your coverage, more quotes will increase your chances of finding the best offered rates.

Discounts are available to cut your rates

Auto insurance companies don’t list every discount in a way that’s easy to find, so we took the time to find both the well known as well as the least known ways to save on car insurance.

• Student in College – Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
• Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
• Organization Discounts – Participating in a professional or civic organization could qualify you for a break when shopping for car insurance.
• Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
• No Accidents – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
• Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
• Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
• Homeowners Savings – Owning a home in El Paso may earn you a small savings because owning a home requires personal responsibility.

Drivers should understand that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

To see a list of companies with discount car insurance rates in Texas, click here.

Everyone needs different coverages

When buying the right insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

For instance, these questions may help you determine whether or not you might need professional guidance.

• Can I rate high risk drivers on liability-only vehicles?
• Am I covered if I crash into my own garage door?
• Does my policy pay for OEM or aftermarket parts?
• Is my cargo covered for damage or theft?
• Am I covered by my spouse’s policy after a separation?
• Is my babysitter covered when using my vehicle?
• When would I need rental car insurance?
• Are my tools covered if they get stolen from my vehicle?
• Do I need roadside assistance coverage?
• Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

For more Texas car insurance information

More detailed Texas car insurance information is available at the Texas Department of Insurance website. Consumers can read industry bulletins, report car insurance fraud, and download brochures.