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CHEAPEST AUTO INSURANCE HAS THE MOST DISCOUNTS:
- Multi-Car Discount
- Good Driving Discount
- Automatic Payment Discount
- Pay Your Policy in Full Discount
- Multi-Driver Discount
- Defensive Driving Discount
- Homeowners Discount
- Non-Smoker Discount
- Previous Insurance Discount
- Married Discount
- And Many More
How to find the Cheapest Auto Insurance in El Paso, Texas
Automobile insurance rates in El Paso are a little higher than average compared to the rest of the state of Texas. El Paso is one of the largest cities in Texas and is located right on the border of New Mexico. El Paso has a population of 679,813 and was established in 1850. El Paso is known or its large military presence and home to Fort Bliss. Even though El Paso is a very large city it is listed as one of the safes cities in the country. El Paso auto insurance rates have been consistent over the past few years. Heavy Traffic and uninsured motorist claims are heavier in El Paso due to the large population and this in turn can cause auto insurances prices to go up. Uninsured motorist claims and heavy traffic cost insurance companies a large amounts of money in claims each year. With El Paso being in Texas which is a state that has lots of natural disasters that can also have an effect on auto insurance rates. Hail storms and tornados are two of the biggest natural disasters that strike Texas and this will cause auto insurance companies to be at great risk of paying out large sums of money on claims due to these natural disasters, especially for insurance companies who have a large book of full coverage insurance in their books of business. A good way to find cheap car insurance in El Paso is to have a good driving record for three consecutive years and a good previous insurance history. These are two crucial factors that car insurance companies look at when setting their rates. Many things are out of the customer’s hands when it comes to auto insurance rates but these are two things as a consumer you can control.
Cheap vehicle insurance for good drivers in El Paso
If you are a good driver looking for affordable auto insurance in El Paso here are a few insurance companies that can help you:
One tip to finding cheap car insurance quotes is asking for all the discounts that you qualify for. Not all auto insurance companies offer the discounts at the beginning so here are a few discounts to ask your insurance company for:
- Safe Driver
- Paperless Billing
- Multi car
- Prior Insurance
- Renewal discounts
Finding cheap vehicle insurance in El Paso is important but just as important is finding an insurance company that has good customer service and a great claims department. Customers who have no tickets or claims in the last three years are the most rewarded when it comes to getting affordable auto insurance. To receive a cheap car insurance quote in El Paso click this link and save money today!
How much does automobile insurance cost in El Paso?
Car insurance rates in El Paso vary based on a few factors and is contingent up on the coverages that you need. The average liability only auto insurance rate for an adult in El Paso with no prior insurance coverage is about $69 monthly. This is less than areas like nearby Dallas and Houston. Here are a few factors insurance companies look at when setting rates:
- Driving record
- Insurance history
- Credit score
Not all automobile insurance companies use credit as a rating factor. Most nonstandard auto insurance companies do not normally use credit as a factor. A nonstandard auto insurance company specializes in providing auto insurance for customers with a bad driving record and no previous insurance history. Here are a few nonstandard insurance companies in El Paso:
- Save Money Car Insurance
Most of these nonstandard car insurance companies offer state minimum limits of liability which is 30/60/25. If you are needing higher limits of liability for instance 50/100/50 it may be to your advantage to request a quote from a Preferred Insurance broker. Here are examples of a few Preferred Insurance companies for you in El Paso:
How to lower your automobile insurance
Taking advantage of all discounts that are available to you is one of the better ways to lower your car insurance rates. It helps to set up your billing on EFT and on Paperless billing, this can lower your monthly prices up to 10%. Some car insurance companies offer a 7-10% discount for taking a defensive driving course. El Paso vehicle insurance can add up, so try to take advantage when you can to save money. Also, be sure to shop around at your renewal to make sure your current car insurance carrier is still the best for you. Try to keep an even number of cars and drivers on your policy. Car insurance companies like this because it appears as that you have disclosed all the people driving your automobiles. Undisclosed drivers cost car insurance companies millions of dollars each year by having accidents. The insurance company wants to be able to underwrite all people driving your vehicle to provide you with the proper monthly rate.
Non owner's insurance in El Paso
Non owner's insurance is a type of insurance policy for a person who needs car insurance but does not own an automobile yet. Non owner's insurance is cheaper than regular insurance by about 30%. Not all car insurance carriers in El Paso offer non owners insurance policies. But here at Cheapest Auto Insurance we can help you find cheap non owners' insurance in El Paso, here are a few car insurance brokers we found that offer this coverage:
- Discount Auto Insurance
- El Paso Low Cost Auto Insurance
- Farpon Auto Insurance
If you have a suspended license and you don’t own a vehicle yet but need an SR22 you can purchase a non-owners SR22 policy from several insurance companies in El Paso, here are a few that we found who offer this coverage regardless if you have a license or not:
- Save Money Car Insurance
Cheapest Auto Insurance can help you get auto insurance whether you own a car or not. Even if you don’t have a driver’s license, we will help you get affordable car insurance in El Paso. For a cheap car insurance quote in El Paso click here and start saving today!
How to find full coverage auto insurance in El Paso
Full coverage insurance rates in El Paso are slightly above average compared to the rest of the state of Texas. It really helps to keep full coverage insurance costs down due to El Paso not being as heavily populated as nearby Houston and Texas. Full coverage insurance usually costs about twice as much as liability car insurance. Full coverage insurance is mandatory to have if your vehicle has a lien on it. Most of the car dealerships in El Paso require you to carry full coverage auto insurance before you can leave with your new car, unless you do not finance the automobile. Many lienholders will require a $500 deductible before you can leave the dealership. The higher the deductible the lower your monthly insurance prices are and vice versa with a lower deductible. Here are some insurance companies that sell affordable full coverage auto insurance in El Paso:
- Save Money Car Insurance
It is important to know the deductible you need before getting insurance quotes for full coverage. Here are your options of deductibles to choose from:
The deducible is the portion that the consumer pays in case of an at fault accident for the damage done to their car. The lower the deductible the higher your monthly premiums are. Some car insurance companies in El Paso offer a “vanishing deductible” which is beneficial for the customer because the longer you are with that insurance company, the lower your deductible will be in case of a claim with no effect on your monthly rates, so this results in less money out of your pocket. To shop car insurance quotes for full coverage insurance in El Paso you can click here and be on your way to cheap car insurance today!
Cheap car insurance quotes in El Paso
There are several ways to find car insurance quotes in El Paso. When searching for insurance you will see a large amount of insurance advertisements. So here are a few ways you can help find cheap auto insurance in a fast efficient way.
- Find an auto insurance broker that shops multiple insurance carriers on your behalf.
Find an online quote comparison site that can shop online a large amount of insurance companies.
- Find an auto insurance company that fits your coverage needs and your current situation.
Here are a few auto insurance brokers in El Paso that we found for you:
- Pan American Insurance
As far as online car insurance quote comparison websites there are several options for you to choose from. One thing to watch for is some of these sites can sell information to insurance brokers which could result in receiving a large number of calls attempting to give you a car insurance quote. So, if you are using one of these websites to search for insurance rates be sure you are serious about it because nobody ever wants a lot of unwanted phone calls. Here are a few examples of an online quote comparison sites:
- The Zebra
How to find cheap car insurance in El Paso with a bad driving record?
Finding affordable car insurance with a bad driving record can be a tough thing to do. We have a few tips to help you on this. Try to find an auto insurance company that is best for your current situation. For example, if you do have tickets and accidents you may want to contact a nonstandard car insurance company. This is an auto insurance broker that works with numerous insurance carriers to find the best price. They usually have access to car insurance companies that are more forgiving of tickets and accidents. Here are a few auto insurance carriers that provide affordable car insurance for drivers in El Paso:
- Save Money Car Insurance
While receiving car insurance quotes be sure to tell the insurance company of all tickets and accidents you have in the last three years. Many auto insurance companies do not run your driving record on the initial insurance quote itself, most companies wait until you are ready to purchase the policy then run the driving record afterward. This is why it is important to disclose your driving record at the beginning so the insurance quote will be accurate and you don’t have unexpected higher costs in the future.
One month car insurance can be a good policy for someone who has a bad driving record because it offers a more flexible payment plan and not a long-term commitment, this also can be called a “month to month insurance” policy.
How to find cheap liability car insurance in El Paso?
To find the cheap liability car insurance in El Paso you will need to request liability only auto insurance with 30/60/25 limits of liability which is the minimum the state of Texas. This policy will only cover the damages done to a third party; it will not cover your vehicle. If you want your automobile covered you would need to purchase full coverage insurance which costs about twice as much on your monthly price compared to liability only. Liability car insurance is priced fairly in El Paso compared to other areas of Texas. Your age and driving record are a big factor in your auto insurance quotes for liability coverage. Here are a few options of liability limits that you can choose from in El Paso:
Not all auto insurance companies in El Paso offer the higher limits of liability. If you need the higher limits it is best to contact a more preferred insurance company mentioned above. It is important to carry adequate amount of limits of liability in case you are involved in a claim. Nobody wants to get stuck with a large bill in a claim where you damage an automobile that costs more than the $25,000 of property damage, which is the lowest offered under the state minimum liability coverage.
El Paso Auto Insurance
We do not envision El Paso car insurance rates going up or down much in the near future. El Paso is still an area where many car insurance companies want to write business consistently. With a few new insurance companies coming in to the market with cheap car insurance rates we expect prices to stay consistent, which is good for the consumer. Here at Cheapest Auto Insurance we have several auto insurance companies that specialize in providing cheap insurance in El Paso. We offer flexible monthly payment plans and low first month payment auto insurance. We offer affordable auto insurance prices for the below insurance policies:
- SR22 Insurance
- Non owner's insurance
- Full coverage insurance
- Liability auto insurance
The Future of Insurance in El Paso
Insurance in El Paso is changing all the time with the new tech companies coming to the market you can buy almost any type of insurance completely online. With El Paso being a very popular metropolitan area, it makes it a very competitive market when it comes to the insurance industry. Starting an insurance policy completely online is a very different way of doing business than most people are used to. For so many years, working directly with an agent face to face was the way to purchase insurance. But we see this changing very soon. Homeowners and commercial insurance are some of the few segments of insurance that is hard to do online due to the complexities of the policy coverages. There can be exclusions and endorsements in these policies that for the consumer may be difficult to understand. We feel the future of insurance is a direct-to-consumer model, especially in the younger generations. Face to face may not go away all at once but with the large amount of new tech companies entering the industry we expect insurance to continue to head in that direction at a furious pace, especially in the automobile insurance world. Car insurance is much easier to purchase online compared to other types of insurance. Many of these tech companies have affordable car insurance rates but it is yet to be seen how claims are taken care of and can they be profitable on the underwriting part of the business, which can take years to see. Thankfully at Cheapest Auto Insurance we have automobile insurance companies that allow El Paso drivers to start their policy online or call us to complete the policy over the phone.
Auto insurance Companies in El Paso
There are several car insurance companies in El Paso to choose from. When searching for the insurance company that fits your needs, be sure to read reviews from customers. Firsthand knowledge is a good way to see how the insurance company is treating their customers. Most auto insurance companies in El Paso are holding rates steady and some are even dropping rates or giving customer rebates due to the Covid-19 situation. As long as there are no more major CAT losses rates should hold steady. But if tornadoes or severe hail storms start coming in that definitely could raise auto insurance prices in El Paso and throughout Texas.
Importance of doing annual auto insurance check-up
Our lives are always changing and so are our coverage needs for our auto insurance policy. It is important to contact your auto insurance company or auto insurance broker on a yearly basis to go over your policy with them. Here are a few things to mention to your company or broker to make sure you are still covered correctly:
Make sure you have all the discounts you deserve on your policy and do they suggest any more discounts you should look at.
If you just bought a home you should consider bundling that with your auto insurance policy for a multi-policy discount.
If you have gone from liability to full coverage recently be sure to go over with them what all is on your full coverage policy. Here are a few coverages that don’t come on a normal full coverage quote. Medical payments, Uninsured Motorist Coverage, Rental and towing are just to name a few.
Cheapest Auto Insurance strives to make sure all customers have the time and attention they need from us to be sure they have the coverage they need. Call or text one of our experienced agents to review your coverage today!
New to Cheapest Auto Insurance?
Here at Cheapest Auto Insurance we want to make sure that all your insurance needs are met. We make it quick and simple for you to get a quote whatever your current situation. Whether you need cheap liability car insurance, full coverage, or maybe you don't have an active driver's license we have insurance professionals who are ready to help you get what you need call us to get a free quote or to get a quote online click here!
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We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.
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