We don’t have to point out that fact that auto insurance companies don’t want you to look for a cheaper policy. Consumers who compare other rates are very likely to switch companies because there is a significant possibility of finding a more affordable policy premium. A survey found that people who made a habit of comparing rate quotes saved $850 each year as compared to drivers who don’t regularly compare prices.
If finding discount rates on auto insurance is the reason you’re reading this, then having an understanding of how to get rate quotes and compare insurance can save time, money, and frustration.
If you want to save money, the best way to find affordable car insurance rates in El Paso is to compare prices annually from providers that insure vehicles in Texas. Rates can be compared by completing these steps.
First, get an understanding of how auto insurance works and the measures you can take to prevent expensive coverage. Many rating criteria that are responsible for high rates like traffic violations and a low credit score can be rectified by making minor driving habit or lifestyle changes. Keep reading for tips to help keep prices low and get discounts that may be overlooked.
Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while agents who are independent can provide prices from multiple insurance companies.
Third, compare the price quotes to the price on your current policy to see if cheaper Verano coverage is available. If you can save money and decide to switch, verify that coverage does not lapse between policies.
Fourth, give notification to your current company of your intent to cancel your current car insurance policy. Submit the signed application along with the required initial payment for the new coverage. Immediately keep the new proof of insurance certificate with your registration paperwork.
An important bit of advice to remember is that you’ll want to compare identical coverages on each quote and and to compare as many companies as possible. This ensures a level playing field and a complete selection of prices.
If you are paying for car insurance now, you will definitely be able to get lower rates using the techniques presented in this article. Obtaining price quotes for affordable car insurance in El Paso is not that difficult. Nevertheless, Texas car owners need to have an understanding of how companies price online insurance because it can help you find the best coverage.
Smart Buyers Save More
Many things are taken into consideration when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are less apparent such as whether you are married or how financially stable you are. Smart consumers have a good feel for the different types of things that help calculate your premiums. If you understand what determines premiums, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
Type of car, truck or SUV determines base prices – The type of car or truck you are buying insurance for makes a significant difference in the rate you pay. Economy passenger models usually have the lowest rates, but there are many factors that impact the final cost.
How your age affects premiums – Older insureds are shown to be more cautious, tend to cause fewer accidents, and are safer drivers. Inexperience drivers tend to be inattentive when behind the wheel so they pay higher insurance rates.
Long commutes cost more – The more you drive annually the more it will cost to insure it. A lot of companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos not used for work or commuting cost less to insure than cars that get driven a lot. Verify your insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your Verano may be costing you.
Always have insurance – Letting your insurance expire can be a guaranteed way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance may earn you a license revocation or jail time. You may need to submit proof of financial responsibility or a SR-22 with the Texas department of motor vehicles.
Pay more by driving carelessly – A bad driving record impacts your car insurance rates tremendously. Having a single moving violation may increase your cost by as much as twenty percent. Drivers who don’t get tickets tend to pay less for car insurance compared to bad drivers. Drivers who get dangerous tickets such as DWI, reckless driving or hit and run convictions may be required to prove financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
Use but don’t abuse your insurance – Companies in Texas generally give the lowest premiums to people who only file infrequent claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
Liability protection – A critical coverage on your policy, liability insurance provides coverage when you are determined to be liable for physical damage or personal injury to other. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
Alarms and GPS tracking lowers premiums – Selecting a car model that has a built-in theft deterrent system can help bring down rates. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms can help prevent your car from being stolen.
Insurance losses for a Buick Verano – Insurers use claims history to help calculate premium prices. Vehicles that statistically have higher prevalence or dollar amount of losses will cost more to insure.
The next table illustrates the collected loss data for Buick Verano vehicles. For each coverage category, the loss probability for all vehicles averaged together is represented as 100. Percentages below 100 suggest a positive loss record, while values that are above 100 point to more claims or larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Buick Verano | 92 | 96 | 85 | 109 | 127 | 126 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Many insurance companies give price estimates direct online. Doing online price comparisons for Buick Verano insurance in El Paso doesn’t take a lot of time as you just enter your coverage information into a form. After you submit the form the company’s rating system will obtain your driving record and credit report and returns a price quote based on many factors.
This makes comparing rates easy, and it’s absolutely necessary to perform this step if you want to get the most affordable auto insurance rates.
To save time and fill out one form to compare multiple rates now, take a look at the companies shown below. To compare your current rates, we recommend you replicate the insurance coverages identical to your current policy. This makes sure you will be getting rate quotes for similar insurance coverage.
The companies shown below offer price quotes in El Paso, TX. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.
Why you need auto insurance
Even though El Paso Verano insurance rates can get expensive, maintaining insurance may not be optional for several reasons.
- The majority of states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection if you don’t want to risk a ticket. 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.
- If you have a loan on your Buick Verano, almost every bank will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Buick for a lot more money and require you to fork over much more than you were paying before.
- Insurance safeguards not only your car but also your assets. It will also cover most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance definitely exceed the cost, especially if you ever need it. The average driver in Texas overpays more than $855 a year so you should quote rates every year to save money.
Score discounts on El Paso insurance
Buying insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be requested specifically before being credited. If you check and find you aren’t receiving every discount possible, you could be saving more on your insurance.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
- Safety Course Discount – Taking a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
- Service Members Pay Less – Being deployed in the military could trigger a small discount.
- No Claim Discounts – Drivers who don’t have accidents pay much less as opposed to drivers who are more careless.
- Theft Deterrent – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Data Collection Discounts – Insureds that choose to allow their insurance company to analyze their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
You can save money using discounts, but some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
Insurance companies that have most of these discounts may include but are not limited to:
If you need lower rates, check with each insurance company which discounts they offer. Savings might not be offered everywhere. If you would like to view insurers with discount insurance rates in Texas, click here.
Neighborhood agents and insurance
Many people still prefer to buy from a licensed agent and that can be a great decision One of the great benefits of comparing rate quotes online is that you can obtain cheaper premium rates and also buy local. Buying insurance from small agencies is definitely important in El Paso.
To help locate an agent, after submitting this form (opens in new window), your information is instantly submitted to participating agents in El Paso who can give free rate quotes for your coverage. There is no reason to leave your computer since price quotes are sent immediately to you. Get lower rates AND an agent nearby. If you have a need to compare prices for a specific company, you would need to search and find their rate quote page and fill out their quote form.
Multiple types of auto insurance agents in El Paso
If you want to use a local El Paso insurance agency, it can be helpful to understand the types of insurance agents that you can select. Insurance agencies in El Paso may be either exclusive or independent agents depending on their company appointments.
Independent Agents (or Brokers)
Independent agencies do not write with just one company so they can write business with lots of companies and possibly get better coverage at lower prices. If prices rise, they can switch companies in-house and you stay with the same agent.
If you are comparing insurance prices, we highly recommend that you include rate quotes from at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with additional companies that you may not be familiar with who may have lower rates.
Featured below are independent insurance agencies in El Paso who may provide price quote information.
- Cielo Vista Insurance
1132 Geronimo Dr – El Paso, TX 79925 – (915) 772-1406 – View Map - Rey Estrada Insurance
6999 Montana Ave – El Paso, TX 79925 – (915) 771-9193 – View Map - Pan American Insurance
7399 Alameda Ave – El Paso, TX 79915 – (915) 772-9000 – View Map
Exclusive Agencies
Exclusive agencies can only provide pricing for a single company and examples are American Family, State Farm, and AAA. These agents are not able to shop your coverage around so keep that in mind. Exclusive insurance agents receive a lot of sales training on sales techniques which aids in selling service over price. A lot of people use the same exclusive agent primarily because of high brand loyalty and strong financial ratings.
Below is a short list of exclusive agents in El Paso that are able to give rate quotes.
- Frank Parga Jr – State Farm Insurance Agent
4141 Pinnacle St #105 – El Paso, TX 79902 – (915) 532-1423 – View Map - Elizabeth Lopez – State Farm Insurance Agent
3010 Saul Kleinfeld Dr Ste E – El Paso, TX 79936 – (915) 921-9800 – View Map - Lou Lobato – State Farm Insurance Agent
1810 Trawood Dr l – El Paso, TX 79935 – (915) 598-5401 – View Map
Picking the best auto insurance agent is decision based upon more than just a cheap price quote. Ask your prospective agent these questions:
- What companies can they write with?
- How are claims handled?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If they are an independent agency in El Paso, which companies do they recommend?
- Has the agent ever had any license suspensions?
- Will the company cover a rental car if your car is getting fixed?
More effort can pay off
As you quote El Paso auto insurance, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured dropped collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy enough coverage for the lowest cost, not the least amount of coverage.
We covered some good ideas how you can lower your Buick Verano insurance rates in El Paso. It’s most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest Buick Verano rate quotes. You may even discover the best rates are with a lesser-known regional company.
Cheaper car insurance in El Paso is attainable on the web in addition to many El Paso insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not offer online quoting and most of the time these small, regional companies sell through local independent agents.
To learn more, take a look at the articles below:
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Anti-Lock Brake FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- Auto Theft Statistics (Insurance Information Institute)