Searching for low-cost insurance for a new or used Saturn L300 in Texas can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to buy auto insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Saturn and locate the best price possible from both online companies and El Paso agents.
A recent auto insurance study discovered that nearly 70% of consumers have remained with the same auto insurance company for over three years, and practically 40% of auto insurance customers have never even compared quotes to find cheaper rates. Drivers in the United States could cut their rates by about $850 a year by just shopping around, but they don’t know how much they could save if they bought a different policy.
It’s important to compare rates every six months since rates go up and down regularly. Just because you had the best deal on Saturn L300 insurance in El Paso at your last renewal the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you’re about to find out the tricks you need to know to eliminate unnecessary coverages and save money on Saturn L300 insurance in El Paso.
Choosing the best rates in El Paso is not that difficult as long as you know where to start. If you already have coverage or are looking for a new policy, follow these tips to cut your premiums while maintaining coverages. Comparison shoppers just have to know the most effective way to shop for car insurance online.
Best companies for Saturn L300 insurance
The following companies have been selected to offer free rate quotes in Texas. If several companies are displayed, we recommend you get rates from several of them in order to find the lowest rates.
Auto insurance rates and discounts
Some insurers don’t list the complete list of policy discounts in a way that’s easy to find, so we break down some of the more common and also the more inconspicuous discounts you could be receiving when you buy El Paso car insurance online.
- Service Members Pay Less – Being on active duty in the military may lower your rates slightly.
- One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
- Good Student – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
- Professional Memberships – Being in qualifying employment or professional organizations may earn a discount on auto insurance.
- Paperwork-free – Many insurance companies will discount your bill up to fifty bucks just for signing your application online.
- Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks on one policy can get a discount for every vehicle.
- Discount for Home Ownership – Owning a home in El Paso can save you money since owning and maintaining a home is proof of financial responsibility.
- Distant Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
- Early Switch Discount – A few companies offer discounts for signing up before your current L300 insurance policy expires. You may see this discount when you get El Paso car insurance quotes online.
Drivers should understand that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts should help lower the amount you have to pay.
A partial list of companies that may offer these money-saving discounts may include but are not limited to:
When getting free El Paso car insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Savings may not apply to policies in El Paso.
Saturn L300 Insurance Prices Can Be Cheaper
When buying auto insurance it’s important to understand some of the elements that aid in calculating your auto insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that could help you find cheaper rates. Lots of things are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving history, although some other factors are less obvious like where you live or your commute time.
Shown below are some of the factors companies use to determine your rates.
File insurance claims and pay more – If you file a lot of claims don’t be surprised to see either higher rates or even cancellation. Insurance companies in Texas provide most affordable rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended for more catastrophic claims.
Lower auto insurance rates with continuous coverage – Going without insurance can be a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage will get you a fine, jail time, or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Texas motor vehicle department to get your license reinstated.
Do you know your comp and collision deductibles? – Your deductibles are how much the insured will be required to pay in the event of a claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of some claims that would be covered would be a windshield broken by a bird, fire damage, or theft of your vehicle. The higher the amount the insured is willing to pay, the lower your rates will be.
Better rates on safer vehicles – Cars with high safety ratings can get you lower premiums. Vehicles built for safety result in less severe injuries and better occupant protection translates directly to fewer claims which can mean better rates for you.
Annual mileage impacts costs – The more you drive your Saturn each year the higher the price you pay to insure it. Almost all companies charge to insure your cars based upon how much you drive. Autos left parked in the garage can be on a lower rate level compared to those used for work or business. An incorrectly rated L300 is throwing money out the window. Make sure your policy is rated on the proper vehicle usage, because it can save money.
Drivers with high credit save – Having a bad credit score is a big factor in determining premium rates. So if your credit leaves room for improvement, you could save money insuring your Saturn L300 if you improve your credit rating. Drivers who have very high credit ratings tend to be more responsible and file fewer claims than those with lower ratings.
Bundle policies to earn discounts – Many auto insurance companies will give better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even if you’re getting this discount it’s still a good idea to check prices from other companies to help guarantee you have the best rates.
With age comes responsibility – Older drivers are proven to be safer behind the wheel, statistically cause fewer accidents, and receive fewer citations. Young drivers are proven to be easily distracted in a vehicle so auto insurance rates are higher.
What is the best auto insurance coverage?
When selecting a policy, there really isn’t a perfect coverage plan. Your needs are unique to you and a cookie cutter policy won’t apply.
For example, these questions can help discover if your situation may require specific advice.
- Should I pay a claim out-of-pocket?
- Do I need to call my car insurance company before buying a new car?
- What are the best liability limits?
- How much liability coverage do I need in Texas?
- Is my cargo covered for damage or theft?
- Am I insured when driving a different vehicle?
- Does low annual mileage earn a discount?
- What is an SR-22 filing?
- Am I covered if I crash into my own garage door?
- Am I covered if my car is in a flood?
If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.
When to get advice from an insurance agency
Some people just prefer to buy from a licensed agent and doing that can be a smart decision Good insurance agents can help you choose the best coverages and give you someone to call. An additional benefit of comparing auto insurance online is the fact that drivers can get cheap auto insurance quotes but also keep your business local.
By using this quick form, your insurance data is sent to agents in your area that provide free El Paso car insurance quotes for your business. You won’t even need to visit any agencies since price quotes are sent directly to you. If you want to get a price quote from a particular provider, feel free to search and find their rate quote page and give them your coverage information.
Selecting an insurer requires more thought than just a cheap quote. These are some questions you should get answers to.
- If your car is in the repair shop, do you have coverage for a rental car?
- How many companies do they write for?
- How long have they been in business?
- Can you contact them at any time?
- Do they offer accident forgiveness?
- Will the quote change when the policy is issued?
Two different types of car insurance agents
When narrowing the list to find a reliable agent, it’s important to understand the types of insurance agents and how they are distinctly different. Auto insurance agents in El Paso can be categorized as either independent agents or exclusive agents depending on their employer. Either can properly insure your vehicles, but it is a good idea to know the difference in how they write coverage because it may have an impact on the kind of agent you use.
Exclusive Insurance Agencies
These agents work for only one company such as AAA, Allstate, and State Farm. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents are trained well on the products they sell which helps them sell on service rather than price. Some insured continue to use the same exclusive agent mainly due to the brand and the convenience of having a single billing for all their coverages.
The following are El Paso exclusive agencies who may provide you with rate quotes.
- Annette Gallardo Sanders – State Farm Insurance Agent
6351 S Desert Blvd #105 – El Paso, TX 79932 – (915) 877-9020 – View Map
- Mike Gonzalez – State Farm Insurance Agent
5360 N Mesa St #18 – El Paso, TX 79912 – (915) 581-8939 – View Map
- Rafael Martinez – State Farm Insurance Agent
7211 N Mesa St #2w – El Paso, TX 79912 – (915) 581-3276 – View Map
Independent Agencies or Brokers
These agents often have affiliation with several companies and that gives them the ability to insure through many companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can just switch to a different company and the insured can keep the same agent. If you are trying to find cheaper rates, you absolutely need to compare prices from independent agents to get the most accurate price comparison. Most also have access to small mutual carriers who may have lower rates.
Listed below is a short list of independent insurance agencies in El Paso willing to provide price quotes.
- Mount Franklin Insurance Agency
2931 George Dieter Dr – El Paso, TX 79936 – (915) 599-2900 – View Map
- Red Rock Insurance
7500 N Mesa St # 202 – El Paso, TX 79912 – (915) 845-7777 – View Map
- Asegura Insurance Agency
1155 N Zaragoza Rd #105 – El Paso, TX 79907 – (915) 613-4800 – View Map
You can find affordable coverage
We just showed you many tips how you can lower your Saturn L300 insurance rates in El Paso. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable Saturn L300 insurance quotes. You may even be surprised to find that the lowest rates come from a small mutual company. These companies often have lower auto insurance rates on specific markets compared to the large companies like GEICO and State Farm.
As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.
Some companies may not have online price quotes and most of the time these regional carriers only sell through local independent agents. Lower-priced Saturn L300 insurance in El Paso can be purchased from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection.
Steps to finding cheaper Saturn L300 insurance in El Paso
To save the most money, the best way to get budget car insurance rates is to start doing a yearly price comparison from insurance carriers in El Paso.
Step 1: Try to understand how companies price auto insurance and the measures you can control to keep rates down. Many factors that are responsible for high rates such as traffic violations and a bad credit score can be amended by making lifestyle changes or driving safer.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while agents who are independent can provide price quotes for a wide range of companies.
Step 3: Compare the price quotes to your existing policy to determine if switching companies saves money. If you find better rates, ensure coverage does not lapse between policies.
Step 4: Tell your current company of your decision to cancel your current policy. Submit payment and a completed application to the new company. As soon as coverage is bound, keep your new certificate verifying proof of insurance in your glove compartment.
An important bit of advice to remember is that you use similar coverage information on every price quote and and to look at as many companies as you can. This ensures a level playing field and a good representation of prices.
Additional car insurance information can be read at these links: