Lowest Rates from El Paso Auto Insurance Agents

When shopping for auto insurance, you have many choices and finding the best Texas car insurance agent is not as easy as just randomly choosing from the yellow pages. Consumers need a great agent that can assess your needs, and also want to find the best price on auto insurance.

There is such a variety of insurance agents to insure vehicles with, and although it’s nice to be able to choose, too many choices makes it more difficult to get the best deal.

Do I just need basic coverages?

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover if your situation could use an agent’s help.

  • Am I covered when driving a rental car?
  • Do all my vehicles need collision coverage?
  • Do I need rental car coverage?
  • Does my personal policy cover me when driving my company car?
  • Why am I required to get a high-risk car insurance policy?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent.

Buying car insurance locally

Good agents can help determine the best coverages and help in the event of a claim. The best thing about price shopping on the web is you can get the best rates and still have an agent to talk to.

After filling out this quick form, the coverage information is sent to insurance agents in El Paso who will battle for your insurance coverage. There is no reason to drive around due to the fact that quote results will go immediately to your email address. How cool is that?!

Deciding on an insurance agent requires more thought than just a low price. Ask your prospective agent these questions:

  • What insurance companies do they work with?
  • What are the financial ratings for the companies they represent?
  • Are you getting all the discounts the company offers?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Will their companies depreciate repairs to your car based on the mileage?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Compare rates from both independent and captive insurance agents

When researching a reputable insurance agent or broker, there are a couple of types of agencies from which to choose. Agencies in El Paso are categorized either captive or independent. Both do a good job, but it’s important to know the differences since it can impact the selection process.

Agency Captives

Captive insurance agents can only place business with one company such as American Family, State Farm and Allstate. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Captives are very knowledgeable on their products and sales techniques which can be an advantage.

The following are El Paso captive insurance agencies who may provide you with comparison quotes.

Allstate Insurance – 6590 Montana Ave # B – El Paso, TX 79925 – (915) 775-1127
Farm Bureau Insurance – 630 N Americas Ave – El Paso, TX 79907 – (915) 858-1026
Farmers Insurance Group – 129 Thunderbird Dr – El Paso, TX 79912 – (915) 584-5464
State Farm Insurance – 337 N Zaragoza Rd # A – El Paso, TX 79907 – (915) 858-1299
Liberty Mutual Insurance – 4120 Rio Bravo St # 115 – El Paso, TX 79902 – (915) 590-2252

Independent Agents (or Brokers)

These agents are not locked into one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent. When searching for an agent, it’s a good idea to include at a minimum one independent agency for the best price selection.

Listed below is a short list of independent insurance agencies in El Paso that are able to give price quote information.

Fred Loya Insurance – 9817 Dyer St – El Paso, TX 79924 – (915) 759-9900
T L Watrous Agency – 10001 Kellogg St – El Paso, TX 79924 – (915) 759-8575
Senior Market Agency – – El Paso, TX 79924 – (915) 821-4892
Southwest General Agency – 1326 E Yandell Dr – El Paso, TX 79902 – (915) 544-0927
Rey Estrada Insurance – 1420 Airway Blvd # 20 – El Paso, TX 79925 – (915) 771-9193

For a complete listing of licensed insurance agents in El Paso, view this link.

Upon getting satisfactory answers for all questions you ask and locked in a price quote, most likely you have located an insurance agency that is a good match to service your policy.

Include online companies when price shopping

Local insurance agents are important to many people, but Texas car insurance can also be bought direct online. A few companies, such as State Farm, Allstate and Farmers, who have local agents in El Paso additionally provide the ability to get a quote and buy online, so keep that in mind and can also potentially find you lower rates.

If you’re uncomfortable with selecting your own policy coverages when shopping online, this really isn’t an issue. Online insurance companies provide toll-free numbers for customer questions. Consumers also can use online help and live chat that you can use if you have questions.

Are online companies cheaper? It’s hard to say exactly since there are so many components that determine your policy premium. Some people will tell you that buying online saves money because there is no agent involvement. But the fact is, there are high advertising and marketing costs and this tends to eat up any savings.

If the best price is important to you, the most effective way to determine if local insurance agents or online providers are cheaper is comparing rate quotes from both. It’s fairly common that you receive different coverage costs from the exact same provider when comparing online quotes to a quote from an agent.

More detailed Texas auto insurance information is available at the Texas Department of Insurance website. Visitors are able to discover disciplinary actions, read consumer alerts, and learn about specific coverages.

El Paso TX auto insurance

The articles below may also help you learn more about auto insurance in El Paso

Better coverage you can count on

People leave their current company for many reasons like questionable increases in premium, unfair underwriting practices, high rates after DUI convictions and even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped full coverage only to regret that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at a price you can afford.