The simplest method to saving money on your El Paso car insurance coverage is to get one or more free online quotes. You can start right now just by entering your zip code above. For more information about car insurance situation in El Paso please keep reading.
El Paso Car Insurance Agents
Besides getting your quote online you can get one by phone or even by mail. However, many people prefer the simple option of visiting their local insurance agent to discuss coverage options.
An El Paso insurance agent can help explain different policy options and how best to meet your insurance needs. Still you have to keep in mind most agents generally work only for one company. The following companies currently have some form of agent presence in El Paso.
Allstate currently has 53 agents working in El Paso. They can offer personalized service in English, Spanish, Chinese and Korean.
Farmers also has many agents in El Paso with over 50 agents currently listed on their website.
Geico has only one listed agent in El Paso making them the smallest of the big companies operating in the city.
Progressive insurance is a medium size player in the El Paso insurance market with 8 listed agents.
With 39 agents in El Paso, State Farm has a large but not the largest network in the city.
Average Auto Insurance Rates For El Paso
The current average annual auto insurance premiums are $1,444 according to carinsurance.com. This is higher than the Texas average which is $1,294. The reason why you pay more in El Paso is that it is an urban area with a higher overall accident rate than the state as a whole. This makes it all the more critical for you to save money by getting several free online quotes.
El Paso Driving Information
To keep your insurance rates low you need to stay accident free. Driving in El Paso is slightly more dangerous than other places in Texas but so long as you are careful you can keep a clean record. The Texas Department of Transportation website includes traffic and other driving information that may be helpful to keeping you out of accidents. You can also learn more from the INRIX traffic scorecard for El Paso, which places it as the 71st worst place to drive.
Insurance Laws In Texas
If you’re buying auto insurance in El Paso you’re going to have to meet the Texas state minimums for coverage. That means you need to get at least 30/60/25 coverage as outlined in the Texas Financial Responsibility Law. Yet, keep in mind this is the minimum only.
Texas operates under a tort system for insurance. This means that if you cause an accident you are not just liable for your own medical expenses but those of the injured party as well. Practically speaking this means that an accident can get a whole lot more expensive quickly. So when looking for coverage options you should strongly consider getting the most you can afford rather than just meeting the minimum.
Getting An El Paso Car Insurance Quote
The only way to get all the El Paso TX car insurance coverage you need at a price you can afford is by getting several quotes. Things like DUIs, speeding tickets and other traffic violations may stay on your motor vehicle record or MVR with you for five years! This makes getting a quote one of the only short term solutions for lower rates.
If you want to find the best instant car insurance in El Paso, there are online directories that offer comparisons between insurance companies quotes. You will be surprised to learn that a lot can vary between one Texas car insurance company and another.
El Paso car insurance quotes will vary by as much as three hundred dollars from one company to the next. So, you will have to be patient and crafty as you browse through the hundreds of insurance providers in Texas.
To get instant car insurance quotes, you have two options: browsing and searching the Internet for the best deals, or hiring an insurance broker/agent with experience to sift through the thousands of auto insurance quotes for you. One you can start right now, the other takes more time, effort and listening to sales pitches.