8 Proven Ways to Cut Your Car Insurance Rates in El Paso, Texas

If you’re new to shopping for car insurance online, it’s easy to get overwhelmed by the vast number of online companies selling insurance in El Paso.

It’s a good habit to do rate comparisons at least once a year because rates change regularly. Despite the fact that you may have had the lowest price two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the quickest way to lower your rates without sacrificing coverage.

El Paso Car Insurance Prices Online

The are a couple different ways to compare quotes from car insurance companies in your area. The simplest method to find competitive insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. Probably the best way to find low rates is a comparison rater form click here to open form in new window. This form eliminates the need for boring form submissions for every car insurance company. One quote request will get you price quotes from multiple companies. It’s definitely the quickest method.
  2. A slightly less efficient method to compare rate quotes is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from GEICO, State Farm and Travelers. To get each rate you have to go to every website and enter your information, which is why the first method is quicker. To view a list of companies in El Paso, click here.

Which method you use is up to you, but ensure you’re using exactly the same deductibles and coverage limits for every company. If you have differing limits it will be next to impossible to find the best deal in El Paso. Having just a slight variation in coverage limits may result in large price differences. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting a lower rate.

Companies offer discounts so take them!

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. Certain discounts will be applied at the time you complete a quote, but a few need to be specially asked for before being credited.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Homeowners Discount – Owning a house in El Paso may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Paperwork-free – Some insurance companies will give a small break for buying a policy and signing up online.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Air Bag Discount – Factory air bags may earn rate discounts up to 30%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Low Mileage – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Senior Citizens – Older drivers may receive better car insurance rates.

It’s important to understand that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. So when it seems like you could get a free car insurance policy, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.

For a list of insurers with discount car insurance rates in Texas, click here.

Factors that affect insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get lower car insurance prices.

  • Never go without insurance – Having an insurance coverage lapse will be a quick way to increase your car insurance rates. And not only will your rates increase, getting caught without coverage will get you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with the Texas department of motor vehicles.
  • With age comes lower rates – Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers are statistically proven to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
  • Your occupation can affect rates – Did you know your car insurance rates can be affected by your occupation? Jobs such as doctors, business owners and financial analysts have higher average rates because of high stress and long work hours. Conversely, professions such as actors, engineers and homemakers get better rates.
  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages that can waste your money on your car insurance policy. Coverages like roadside assistance, accident forgiveness and additional equipment coverage may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.

Slick advertising tricks that work

Companies like 21st Century, Allstate and State Farm regularly use ads on television and other media. All the ads have a common claim that you’ll save big if you move to their company. How does each company claim to save you money?

All the different companies have a preferred profile for the driver that earns them a profit. For example, a driver they prefer might be profiled as between 25 and 40, has no tickets, and has great credit. A driver who matches those parameters receives the best rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for this ideal profile will be charged higher prices and ends up with the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can claim big savings.

That is why drivers must get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Shop smart and save

Throughout this article, we presented many ways to reduce car insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the most savings is with the smaller companies.

Drivers change insurance companies for a number of reasons such as delays in paying claims, unfair underwriting practices, lack of trust in their agent and policy non-renewal. Regardless of your reason, switching companies is not as hard as you think.

Texas insurance ad

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Much more information about car insurance in Texas is available on the Texas Department of Insurance website through this link. Texas drivers can learn about specific coverages, report car insurance fraud, and view a list of available companies.

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