It’s safe to assume that car insurance companies don’t want you comparing rates. Consumers who get comparison quotes at least once a year are highly likely to move their business because there is a high probability of getting low-cost coverage. A study showed that drivers who regularly compared price quotes saved over $865 a year compared to other drivers who never compared rates.
If finding the lowest rates on auto insurance in El Paso is the reason for your visit, then understanding how to find and compare auto insurance can help you be more efficient.
If you want to save the most money, the best way to get more affordable car insurance rates in El Paso is to start doing a yearly price comparison from companies that sell auto insurance in Texas. You can compare prices by following these guidelines.
First, it will benefit you to learn about what is in your policy and the things you can control to prevent expensive coverage. Many rating criteria that cause rate increases such as getting speeding tickets and your credit history can be remedied by making minor changes to your lifestyle.
Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
Third, compare the quotes to your current policy to see if you can save by switching companies. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, give notification to your current company of your intention to cancel your current policy and submit a down payment and signed policy application to your new agent or company. When you receive it, place the new proof of insurance certificate with your vehicle’s registration.
The key thing to know about shopping around is to make sure you enter the same liability limits and deductibles on each quote request and and to compare as many companies as you can. Doing this helps ensure a level playing field and and a good selection of different prices.
Finding affordable insurance coverage in El Paso is easy if you know what you’re doing. If you have a current insurance policy or just want to save money, use these cost-cutting techniques to save money without sacrificing coverage. Drivers just have to learn the fastest way to get comparison rates from many different companies.
Companies offering competitive Chrysler PT Cruiser rates in El Paso, TX
The companies in the list below are our best choices to provide quotes in Texas. If more than one company is shown, we suggest you click on several of them to find the lowest car insurance rates.
Analysis of coverages
The coverage table displayed below covers detailed analysis of coverage costs for Chrysler PT Cruiser models. Having a good grasp of how insurance policy rates are formulated can be valuable when making smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|PT Cruiser 2WD 4-Dr||$180||$256||$424||$26||$128||$1,014||$85|
|PT Cruiser 2WD 4-Dr||$180||$256||$424||$26||$128||$1,014||$85|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific location information which can lower or raise coverage rates significantly.
Annual premiums for males compared to females
The chart below illustrates the difference between Chrysler PT Cruiser insurance costs for male and female drivers. The prices are based on no claims, a clean driving record, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Full coverage or liability only
The chart below shows the difference between Chrysler PT Cruiser insurance prices with liability coverage only compared to full coverage. The information is based on no claims or driving citations, $250 deductibles, marital status is single, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no clear-cut formula of when to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Chrysler PT Cruiser book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after the deductible is paid. If you are currently paying more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Check for these discounts
The price of auto insurance can be rather high, but you might find some hidden discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be specially asked for before they will apply.
- Paperless Signup – A handful of companies will provide an incentive just for signing your application online.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more on PT Cruiser insurance in El Paso.
- Active Military Service – Being on active deployment in the military could qualify you for better prices.
- El Paso Homeowners Discount – Owning a house in El Paso may trigger a policy discount on car insurance because owning a home demonstrates responsibility.
- New Vehicle Savings – Putting car insurance coverage on a new PT Cruiser can save you some money since newer vehicles are generally safer.
- No Claim Discounts – Insureds who avoid accidents and claims have much lower rates as opposed to frequent claim filers.
- Federal Government Employee – Federal government employees could provide a small rate reduction depending on your car insurance provider.
- Telematics Data – El Paso drivers who agree to allow data collection to analyze vehicle usage by using a telematics device like Allstate’s Drivewise could save a few bucks as long as the data is positive.
- Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
Remember that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you won’t be that lucky.
The example below compares Chrysler PT Cruiser insurance prices with and without discounts. The price estimates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, homeowner, and multi-policy discounts applied.
The best car insurance companies and some of the premium reductions they offer can be found below.
- State Farm may offer discounts for safe vehicle, good driver, passive restraint, driver’s education, multiple policy, and accident-free.
- Farmers Insurance may include discounts for multi-car, youthful driver, bundle discounts, pay in full, business and professional, and early shopping.
- GEICO has discounts for good student, anti-lock brakes, five-year accident-free, multi-vehicle, air bags, membership and employees, and military active duty.
- American Family discounts include mySafetyValet, bundled insurance, multi-vehicle, good driver, good student, air bags, and early bird.
- Nationwide offers premium reductions for defensive driving, Farm Bureau membership, accident-free, family plan, multi-policy, anti-theft, and business or organization.
- Progressive policyholders can earn discounts including homeowner, online quote discount, multi-vehicle, good student, continuous coverage, and multi-policy.
Before purchasing a policy, check with each company or agent which discounts you may be entitled to. Some discounts might not be offered on policies in your area. To see a list of insurance companies that can offer you the previously mentioned discounts in Texas, follow this link.
El Paso Insurance Prices are Influenced by These Factors
Many things are used in the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but others are not as apparent like where you live or your financial responsibility.
Shown below are some of the items insurance companies consider when setting premiums.
Your location is a factor – Being located in less populated areas of the country has it’s advantages when it comes to insurance. Less people means less chance of accidents in addition to fewer liability claims. Urban drivers have to deal with more traffic problems and a longer drive to work. The longer drive time translates into higher accident risk.
Always keep your insurance in place – Allowing your insurance policy to lapse is a quick way to pay more for insurance. In addition to paying higher premiums, not being able to provide proof of insurance could earn you a fine, jail time, or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with the Texas DMV.
Car features impact prices – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft and help bring rates down.
Good drivers pay the best prices – Being a careful driver can have a huge impact on auto insurance premiums. Even one citation can bump up the cost by twenty percent. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have careless citations like DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
The example below illustrates how violations and at-fault collisions can drive up Chrysler PT Cruiser car insurance rates for different age groups. The price estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Avoid unnecessary extra coverages – There are a ton of extra bells and whistles that can waste your money on your PT Cruiser policy. Insurance for roadside assistance, death and dismemberment, and extra equipment coverage are probably not needed. These coverages may sound good at first, but your needs may have changed so eliminate the coverages to reduce your premium.
Credit rating impacts costs – Having a bad credit score will be a significant factor in your rate calculation. If your credit is low, you may save money insuring your Chrysler PT Cruiser by taking the time to improve your credit score. Drivers with very good credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
Being married can save you money – Getting married actually saves money when buying insurance. Having a significant other is viewed as being more stable financially and it’s proven that married drivers tend to have fewer serious accidents.
Vehicles with better crash test results cost less to insure – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders.
You may need advice from a local insurance agent
A small number of people would prefer to visit with an insurance agent and often times that is recommended Most agents can help you choose the best coverages and will help you if you have claims. A nice benefit of price shopping on the web is the fact that drivers can get cheaper premium rates and still choose a local agent.
After completing this short form, your insurance data is submitted to insurance agents in El Paso that can give you free El Paso car insurance quotes for your insurance coverage. You never need to contact any agents due to the fact that quote results will go straight to your inbox. In the event you want to get a comparison quote from one company in particular, you would need to jump over to their website to submit a rate quote request.
Selecting a insurance company should depend on more than just the bottom line cost. Below are some questions you should ask.
- Are they able to influence company decisions when a claim is filed?
- What are the financial ratings for the companies they represent?
- Is the agency involved in supporting local community causes?
- Do you work with a CSR or direct with the agent?
- What insurance companies do they recommend if they are an independent agent?
- Do the agents have professional certifications like CPCU or CIC?
- Does the agency have a positive business rating?
- Which company do they place the most coverage with?
When researching a local El Paso insurance agency, it can be helpful to understand the types of agencies from which to choose. Agents are classified as either independent (non-exclusive) or exclusive. Either type can insure your vehicles properly, but it is important to understand why they differ because it can influence the kind of agent you use.
Exclusive Insurance Agents
Exclusive insurance agents write business for a single company and some examples include Allstate, State Farm and Farm Bureau. They are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually well trained on their company’s products which helps offset the inability to provide other markets.
The following are El Paso exclusive insurance agencies who can help you get price quote information.
Independent Insurance Agencies
Agents in the independent channel do not work for one specific company so they can write business with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, your policy is moved internally which requires no work on your part.
If you are trying to find cheaper rates, you should always get quotes from multiple independent agents for the best price selection.
Shown below are El Paso independent insurance agencies that are able to give price quote information.
Nationwide Insurance: Pinon and Associates Financial Corporation
1515 E Missouri Ave – El Paso, TX 79902 – (915) 857-6890 – View Map
Once you have positive feedback to any questions you may have as well as an affordable premium quote, you’ve probably found an insurance agency that can insure your vehicles. But remember, it’s your coverage and you can cancel your policy whenever you choose to so never assume that you’re stuck with the insurance policy for a certain time period.
Car insurance company ratings
Ending up with a highly-rated company can be a challenge considering how many companies there are in Texas. The company ratings below can help you decide which insurers you want to consider to insure your vehicles.
Top 10 El Paso Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 El Paso Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Smart consumers save more
When buying insurance coverage, never buy less coverage just to save a little money. In too many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The aim is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.
A few companies do not offer the ability to get quotes online and many times these small, regional companies sell through independent insurance agents. Budget-conscious Chrysler PT Cruiser insurance is available from both online companies and from local insurance agents, so you should compare both to have the best chance of lowering rates.
We covered many ideas to compare Chrysler PT Cruiser insurance rates in El Paso. It’s most important to understand that the more providers you compare, the better your chances of lowering your car insurance rates. You may even be surprised to find that the best rates are with a lesser-known regional company. Regional companies can often provide lower car insurance rates in certain areas compared to the large companies like Allstate and Progressive.
More information can be found below: