El Paso Auto Insurance For Less Than You're Paying Now

Finding lower premiums on El Paso auto insurance is nearly impossible for people who are new to comparing rates online. There are so many choices that it can turn into a ton of work to find the best price in El Paso.

It's important to shop coverage around before your policy renews because insurance rates are constantly changing. Just because you found the best deal a few years ago you may be paying too much now. Starting now, forget all the misinformation about auto insurance because you're about to learn the only way to find better rates and still maintain coverage.

Compare El Paso Auto Insurance Costs

There are several ways of comparing rate quotes and find the best price. The recommended way to find competitive insurance rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to find low rates is to use a rate comparison form click to view form in new window. This easy form eliminates the need for repetitive form entry to each individual auto insurance company. In just a few minutes this one form gets you price quotes direct from many companies. Just one form and you're done.

A less efficient way to compare rate quotes requires a trip to each individual company website and fill out their own quote form. For examples sake, we'll pretend you want rates from , and . To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in El Paso, click here.

The least recommended way of getting rate comparisons to local El Paso insurance agencies. Shopping for auto insurance online makes this process obsolete unless you prefer the trained guidance only provided by licensed El Paso agents. However, consumers can compare the best prices online and still use a local agent.

It's up to you which method you use, but ensure you're using apples-to-apples quote information for every quote you compare. If you use mixed coverages it will be next to impossible to determine the best price in El Paso. Quoting even small variations in coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices gives you a better chance of getting a better price.

Tips to Get Lower El Paso Rates

It's important that you understand the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Shown below are some of the factors used by your company to calculate rates.

Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, vandalism, and windstorm damage. Deductibles for physical damage are how much you are willing to pay out-of-pocket in the event of a claim. The more money you have to pay, the less your company will charge you for insurance.
Do you work long hours in a high stress job? - Jobs such as doctors, business owners and stock brokers have the highest rates attributed to high stress levels and lots of time spent at work. On the other hand, professions such as farmers, students and retirees get better rates.
Traffic violations increase rates - Your driving citation history has a big impact on rates. Just one speeding ticket can bump up the cost by twenty percent. Drivers who don't get tickets receive lower rates than their less careful counterparts. Drivers who have dangerous citations such as DUI or reckless driving may need to file a SR-22 with their state DMV in order to prevent a license revocation.
Higher safety ratings means cheaper insurance - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
Big city or small town - Being located in less populated areas can be a good thing when insuring your vehicles. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
Extra add-on coverages are wasting money - There are quite a few extra bells and whistles that you can buy on your auto insurance policy. Things like roadside assistance, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so remove them from your policy.
More miles equals more premium - The higher the mileage driven every year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
More claims means more premium - Car insurance companies in Illinois award discounts to insureds who do not file claims often. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for major claims that would cause financial hardship.

Take advantage of discounts

Companies offering auto insurance don't always publicize all their discounts very well, so here is a list both well-publicized and the more hidden savings tricks you should be using.

Homeowners Pay Less - Owning a house in El Paso can help you save on auto insurance because maintaining a house requires personal responsibility.
Claim Free - Claim-free drivers can earn big discounts as compared to frequent claim filers.
Air Bag Discount - Factory air bags can receive discounts of 20% or more.
Drive Less and Save - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
Multiple Cars - Insuring all your vehicles on one policy could earn a price break for each car.
Bundle and Save - When you have multiple policies with the same company you will save approximately 10% to 15%.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

For a list of companies with discount auto insurance rates in Illinois, click here to view.

Even more information is available at the Illinois Department of Insurance website. Illinois consumers can report car insurance fraud, read industry bulletins, and file complaints about a company.

Other useful links include this page for Illinois auto insurance and this page for help finding agents in El Paso, IL.

The best insurance company isn't always the cheapest

Cheap auto insurance can be sourced online as well as from independent agents in El Paso, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don't offer online quoting and most of the time these smaller companies sell through independent agents.

People leave their current company for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent and poor customer service. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.

In this article, we presented some good ideas how you can lower your auto insurance rates. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a company that doesn't do a lot of advertising.