Have you had enough of dreading the payment each month for car insurance? You’re in the same situation as many other Texas drivers.
Having so many different company options, it can be challenging to choose the cheapest insurer.
It’s smart to compare rates periodically because prices are variable and change quite frequently. Even if you got the lowest rates six months ago other companies may now be cheaper. There is too much inaccurate information about auto insurance on the web, but we’re going to give you the best ways to stop overpaying for insurance.
Shopping for affordable protection in El Paso is not that difficult. Essentially everyone who carries auto insurance will be able to reduce their rates. But Texas car owners must understand how big insurance companies sell insurance online and use this information to your advantage.
El Paso Auto Insurance Prices Online
Effectively comparing auto insurance prices can be exhausting if you don’t utilize the best way to get rate quotes. You can spend countless hours talking about coverages with insurance agencies in El Paso, or you could save time and use the internet to get prices fast.
The majority of car insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and each company then gives them pricing information determined by their information. This system prevents you from having to do form submissions for every auto insurance company.
To submit your quote information now, click here to start a free quote.
The only downside to comparing rates this way is you are unable to specify the companies you want to price. So if you want to choose from a list of companies to compare we put together a list of auto insurance companies in Texas. View list of Texas insurance companies.
Which method you use is up to you, but make absolute certain that you use apples-to-apples coverages and limits with every price quote. If your comparisons have unequal deductibles or liability limits you can’t possibly find the best deal in El Paso. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, more quotes gives you a better chance a lower rate.
Don’t assume everyone needs the same coverage
When it comes to buying adequate coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not your insurance needs might need professional guidance.
- Will I be non-renewed for getting a DUI or other conviction?
- What can I do if my company won’t pay a claim?
- Do I need to file an SR-22 for a DUI in Texas?
- Should I buy additional glass protection?
- What is the difference between comprehensive and collision coverage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Can I rate high risk drivers on liability-only vehicles?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Online quotes with a local El Paso insurance agent
Some consumers prefer to sit down with an agent and that is just fine! The biggest benefit of price shopping on the web is you may find the lowest rates but also keep your business local. Supporting local agencies is definitely important in El Paso.
After filling out this form (opens in new window), the quote information gets sent to insurance agents in El Paso who will give you bids for your business. There is no need to visit any agencies as quotes are delivered directly to your email. It’s the lowest rates and a licensed agent to work with.
Types of insurance agents
If you’re trying to find a good insurance agency, there are two different types of agents that differ in how they insure your property. Agencies in El Paso are classified as either captive or independent.
Independent Agents
Independent agencies do not work for one specific company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.
When comparison shopping, you should always include price quotes from at a minimum one independent agency for the best price selection.
Below is a list of independent insurance agents in El Paso who can help you get comparison quotes.
T L Watrous Agency – 10001 Kellogg St – El Paso, TX 79924 – (915) 759-8575
M A Insurance – 10935 Ben Crenshaw Dr – El Paso, TX 79935 – (915) 629-9699
American Agency – 5959 Gateway Blvd W # 533 – El Paso, TX 79925 – (915) 772-7766
Jerry Waliszewski Insurance – 8252 Dale Douglas Dr # C – El Paso, TX 79936 – (915) 591-8624
Captive Agents
Captive agencies write business for a single company and examples are State Farm, AAA and Liberty Mutual. These agents are not able to give you multiple price quotes so always compare other rates. Captives are trained well on their products and sales techniques and that can be a competitive advantage.
Below are captive insurance agents in El Paso that can give you comparison quotes.
Liberty Mutual Insurance – 4120 Rio Bravo St # 115 – El Paso, TX 79902 – (915) 590-2252
State Farm Insurance – 5360 N Mesa St # R18 – El Paso, TX 79912 – (915) 584-9477
Farm Bureau Insurance – 630 N Americas Ave – El Paso, TX 79907 – (915) 858-1026
Farmers Insurance Group – 725 S Mesa Hills Dr # 3 – El Paso, TX 79912 – (915) 581-9034
Allstate Insurance – 4110 Rio Bravo St # 109 – El Paso, TX 79902 – (915) 542-1626
For a complete listing of captive insurance agencies in El Paso, please go to this site.
Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Is their price quote a firm figure or are their hidden costs?
- What insurance companies do they work with?
- Which insurance company do they recommend?
- How are they compensated?
- Do the coverages you’re quoting properly cover your vehicle?
- Will their companies depreciate repairs to your car based on the mileage?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Once you have received answers to your satisfaction and an affordable coverage quote, you’ve probably found an insurance agent that meets your needs to adequately provide auto insurance. Keep in mind consumers can terminate your policy at any time so don’t think you are locked into the auto insurance policy with no way out.