It takes a little time, but the best way to find lower priced Ford Freestyle insurance in El Paso is to regularly compare price quotes from different companies who provide auto insurance in Texas. You can shop around by following these steps.
Step 1: Spend a few minutes and learn about how companies price auto insurance and the factors you can control to prevent expensive coverage. Many rating criteria that are responsible for high rates like traffic violations, accidents, and a less-than-favorable credit rating can be controlled by making minor driving habit or lifestyle changes. Read the full article for more details to keep prices down and earn a bigger discount.
Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while independent agencies can quote prices from multiple sources. Compare rates
Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you find a better price and change companies, ensure coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company of your decision to cancel your current policy and submit payment along with a signed and completed policy application to your new carrier. As soon as you can, keep your new proof of insurance certificate in an easily accessible location in your vehicle.
One thing to point out is to make sure you enter the same level of coverage on each price quote and and to get rate quotes from as many auto insurance providers as possible. This ensures a fair rate comparison and the best rate selection.
We don’t have to tell you that car insurance companies don’t want policyholders to compare prices from other companies. People who compare rates once a year are likely to switch companies because they stand a good chance of finding a policy with better rates. A recent survey revealed that people who routinely compared rates saved on average $3,500 over four years compared to those who don’t make a habit of comparing rates.
If finding the cheapest price on auto insurance is your intention, understanding how to choose a company and compare auto insurance can help you be more efficient.
Comparing quotes for the cheapest protection in El Paso is not as difficult as people think. If you already have coverage or need new coverage, use these cost-cutting techniques to find better prices while maintaining coverages. Vehicle owners just need to know the quickest method to compare insurance rates instantly.
The quickest way to compare insurance rates from multiple companies is to know most of the bigger providers participate in online systems to give you rate quotes. The only thing you need to do is give them some information such as if you lease or own, what your job is, marital status, and whether or not you need a SR-22. The rating information is instantly provided to multiple top-rated companies and they return cost estimate instantly.
To compare multiple company lower-cost Ford Freestyle insurance rates now, click here and complete the form.
The companies shown below are our best choices to provide free quotes in El Paso, TX. If multiple companies are shown, we suggest you compare several of them to get the best price comparison.
Why auto insurance is not optional
Despite the high cost of buying insurance for a Ford Freestyle in El Paso, insuring your vehicle is required by state law in Texas and it also provides benefits you may not be aware of.
First, most states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection 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, most banks will stipulate that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the bank may insure your Ford at a more expensive rate and require you to fork over the higher price.
Third, insurance protects both your assets and your Ford. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the cost, especially if you ever need it. Unknowingly, the average driver overpays more than $830 a year so it’s important to compare rates every year to be sure current rates are still competitive.
Cheaper El Paso car insurance rates with discounts
Car insurance is expensive, but companies offer discounts that could drop your premiums quite a bit. Some trigger automatically when you complete an application, but some may not be applied and must be manually applied before being credited.
- Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on a single policy may reduce the rate for each vehicle.
- Discount for Life Insurance – If the company offers life insurance, you could get a lower car insurance rate if you buy a life insurance policy as well.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
- Fewer Miles Equal More Savings – Fewer annual miles on your Ford may allow you to get substantially lower prices.
- Bundle and Save – When you combine your auto and homeowners insurance and insure them with the same company you could earn a discount of up to 20% off your total Freestyle insurance premium.
- Save with a New Car – Insuring a new Freestyle can get you a discount because new model year vehicles are generally safer.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you can actually save on your bill.
- Defensive Driving Course – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
- Switch and Save Discount – A few larger companies allow discounts for buying a new policy early. Ten percent is about the average savings.
One thing to note about discounts is that some credits don’t apply to the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
A few popular companies and their offered discounts are shown below.
- Progressive includes discounts for continuous coverage, good student, multi-policy, homeowner, online signing, online quote discount, and multi-vehicle.
- GEICO discounts include military active duty, good student, anti-lock brakes, daytime running lights, seat belt use, federal employee, and anti-theft.
- State Farm offers discounts including accident-free, multiple autos, good driver, anti-theft, good student, and safe vehicle.
- Esurance has discounts for online shopper, multi-car, anti-theft, homeowner, and defensive driver.
- The Hartford has savings for bundle, anti-theft, vehicle fuel type, good student, driver training, air bag, and defensive driver.
Before purchasing a policy, check with every prospective company how many discounts you can get. All car insurance discounts might not apply in your area. If you would like to choose from a list of providers who offer car insurance discounts in El Paso, click here.
Car insurance can get complicated
When choosing a policy for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.
Here are some questions about coverages that might help in determining whether you might need professional guidance.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- How does medical payments coverage work?
- Who does medical payments coverage extend to?
- Am I better off with higher deductibles on my Ford Freestyle?
- Am I covered if hit by an uninsured driver?
- Is my dog or cat covered if injured in an accident?
- When would I need additional glass coverage?
- What is the premium to book value ratio for dropping full coverage?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
Buying auto insurance from El Paso car insurance agents
Many drivers still prefer to sit down with an agent. Experienced insurance agents are very good at helping people manage risk and will help you if you have claims. One of the benefits of comparing insurance prices online is the fact that drivers can get the lowest rates but still work with a licensed agent. Putting coverage with local insurance agencies is especially important in El Paso.
After completing this short form, your insurance coverage information is instantly submitted to local insurance agents in El Paso who will give you quotes to get your business. You don’t have to even leave your home since price quotes are sent directly to you. If for some reason you want to compare rates from a particular provider, just jump over to their website to submit a rate quote request.
Pick the best auto insurance agent in El Paso for you
When researching a reputable agency, there are a couple of types of insurance agents and how they function. Insurance agencies in El Paso can be categorized as either independent agents or exclusive agents depending on their employer. Either type can write policy coverage, but it’s important to point out the subtle differences since it can affect which type of agent you select.
These agents are not locked into one company and that is an advantage because they can write policies with any number of different companies and help determine which has the cheapest rates. If you are not satisfied with one company, they can switch companies in-house and you don’t have to switch agencies. When shopping rates, you will want to get several quotes from independent agents for the best price selection. A lot of them also have access to different regional companies which can be an advantage.
Listed below are independent insurance agents in El Paso that can possibly get you free auto insurance rate quotes.
- Home Insurance Agency
1760 Airway Blvd – El Paso, TX 79925 – (915) 771-8552 – View Map
- Mount Franklin Insurance Agency
2931 George Dieter Dr – El Paso, TX 79936 – (915) 599-2900 – View Map
- Colonial Insurance Agency
7636 Gateway Blvd E – El Paso, TX 79915 – (915) 592-0999 – View Map
Exclusive Auto Insurance Agencies
Exclusive insurance agents have only one company to place business with such as Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. Exclusive agents are well schooled on what they offer and that allows them to sell at a higher price point. Consumers often buy insurance from these agents mostly because of the prominence of the brand rather than low rates.
Below are El Paso exclusive agents that can give you price quotes.
- Yvonne Curtis – State Farm Insurance Agent
1550 Hawkins Blvd Ste 15 – El Paso, TX 79925 – (915) 591-0871 – View Map
- Allstate Insurance: John Choi
8500 Dyer St Ste 7 – El Paso, TX 79904 – (915) 755-2201 – View Map
- Manny M Casillas – State Farm Insurance Agent
1212 N Yarbrough Dr #105 – El Paso, TX 79925 – (915) 591-2288 – View Map
Choosing an auto insurance agent needs to be determined by more than just the price. Before buying a policy in El Paso, get answers to these questions.
- How many companies do they write for?
- Do you work with a CSR or direct with the agent?
- Does the agency provide any after hours assistance?
- Is the agency covered by Errors and Omissions coverage?
- What are the financial ratings for the companies they represent?
- How experienced are they in personal risk management?
The coverage is in the details
Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Auto liability insurance – Liability insurance can cover damage that occurs to a person or their property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 30/60/25 which means a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage pays for claims such as emergency aid, legal defense fees, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more coverage.
The next chart shows why buying low liability limits may not be enough.
Comprehensive auto insurance – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from flooding, hail damage, vandalism, a tree branch falling on your vehicle and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision coverage – This coverage pays for damage to your Freestyle from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as crashing into a ditch, sideswiping another vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible on your Freestyle in order to get cheaper collision rates.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills like hospital visits, rehabilitation expenses, chiropractic care, funeral costs and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Freestyle.
Since many Texas drivers only carry the minimum required liability limits (30/60/25 in Texas), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.
Persistence is the key to cheap rates
We just showed you a lot of tips how to find cheap Ford Freestyle insurance in El Paso. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates are with an unexpected company.
Consumers who switch companies do it for a number of reasons such as high prices, high rates after DUI convictions, questionable increases in premium or even lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company is actually quite simple.
Low-cost Ford Freestyle insurance in El Paso can be found on the web as well as from insurance agents, so you need to shop El Paso auto insurance with both to have the best selection. Some insurance providers don’t offer internet price quotes and many times these small, regional companies only sell coverage through independent agents.