Stop Overpaying for Auto Insurance in El Paso
Despite the high cost, car insurance is mandatory in Texas but it also protects more than you think.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy a specific level of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your vehicle, it’s guaranteed your bank will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the lender may have to buy a policy to insure your vehicle for a much higher rate and force you to pay much more than you were paying before.
Third, insurance safeguards not only your vehicle but also your assets. It also can pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your car more than offset the price you pay, particularly for liability claims. An average driver in America is wasting up to $869 every year so compare rate quotes each time the policy renews to save money.
Compare cheap El Paso car insurance quotes
Whether you pay high or low rates for auto insurance is dependent on a lot of factors, but the average price for a policy in El Paso is about $1,410 every 12 months. On average, the rest of the U.S. pays around $1,220, so El Paso drivers pay roughly $16 more each month than drivers in other states.
The cost of El Paso car insurance depends on a lot of factors, but one of the main factors is the vehicle you are insuring. The next table shows policy rates for popular vehicles insured in El Paso.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado LT Crew Cab 2WD | $1,142 | $571 | $95 |
| Chevrolet Silverado LS Crew Cab 2WD | $1,330 | $665 | $111 |
| Dodge Grand Caravan SXT | $1,188 | $594 | $99 |
| Dodge Ram Quad Cab ST 4WD | $1,266 | $633 | $106 |
| Ford Edge Sport AWD | $1,228 | $614 | $102 |
| Ford Escape XLS 4WD | $984 | $492 | $82 |
| Ford F-150 FX4 4WD | $1,188 | $594 | $99 |
| Ford Focus SES 4-Dr Sedan | $1,206 | $603 | $101 |
| Honda Accord EX-L 2-Dr Coupe | $1,330 | $665 | $111 |
| Honda CR-V EX 4WD | $1,006 | $503 | $84 |
| Honda Civic LX 2-Dr Coupe | $1,424 | $712 | $119 |
| Honda Odyssey LX | $1,078 | $539 | $90 |
| Jeep Grand Cherokee Laredo 2WD | $1,164 | $582 | $97 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,394 | $697 | $116 |
| Nissan Rogue SL 2WD | $1,242 | $621 | $104 |
| Toyota Camry SE | $1,228 | $614 | $102 |
| Toyota Corolla XRS | $1,252 | $626 | $104 |
| Toyota RAV4 Limited 2WD | $1,164 | $582 | $97 |
| Toyota Tacoma 4WD | $1,100 | $550 | $92 |
| Get Rate Quotes for Your Vehicle Go | |||
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Information does not factor in specific garaging location which can lower or raise insurance rates greatly.
Bad driving habits will cost you more
The illustration below illustrates how violations and at-fault claims can increase insurance costs for each different age group. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
The information below highlights how deductible choice and can change premium costs for different ages of insureds. The rates are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
How to find cheaper El Paso car insurance rates
Truthfully, the best way to get low-cost auto insurance rates is to regularly compare price quotes from companies in El Paso. Prices can be compared by completing these steps.
- First, try to understand how car insurance works and the modifications you can make to prevent high rates. Many things that result in higher rates like speeding tickets, careless driving and poor credit history can be rectified by being financially responsible and driving safely.
- Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.
- Third, compare the new quotes to your existing policy to determine if switching companies saves money. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
A key point to remember is to make sure you’re comparing similar limits and deductibles on each quote request and and to get prices from every insurance company. Doing this provides a fair rate comparison and many rates to choose from.