If saving the most money is your goal, then the best way to find low-cost auto insurance rates is to compare prices at least once a year from different companies in El Paso. You can compare prices by completing these steps.
Step 1: Try to learn a little about coverages and the modifications you can make to keep rates low. Many rating criteria that are responsible for high rates such as speeding tickets, careless driving and a low credit rating can be amended by making minor changes in your lifestyle.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO and Allstate, while independent agents can give you price quotes from many different companies.
Step 3: Compare the new rates to your current policy premium and see if you can save money. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of shopping around is to try to use similar coverage information on each quote request and and to get price quotes from as many different insurance providers as possible. This ensures a level playing field and a thorough selection of prices.
Sadly, 70% of consumers kept buying from the same company for more than four years, and just under half have never even compared rates from other companies. Most drivers in America could save $850 each year, but they don’t believe the benefits if they swap their current policy for a cheaper one.
Our goal is to help you learn the best ways to compare prices. If you have insurance now, you stand a good chance to be able to shop for the lowest rates using the ideas presented in this article. Drivers just need to use the proper way to get comparison quotes from many different companies.
Lower-cost Suzuki Forenza insurance rates in El Paso
Some insurance providers do not list every available discount in a way that’s easy to find, so the list below gives a summary of some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Smart Student Discounts – This discount could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
- First Accident Forgiveness – Not really a discount, but a handful of insurance companies will let one accident slide without raising rates so long as you are claim-free before the accident.
- Air Bag Discount – Factory options such as air bags or motorized seat belts may get savings up to 30%.
- Sign Early and Save – Some insurance companies give discounts for renewing your policy before your current Forenza insurance policy expires. This can save 10% or more.
- Claim-Free Discount – Insureds with no claims or accidents pay much less as compared to insureds who have frequent claims or accidents.
- Online Discount – A few insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
- Distant Student – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
- Lower Rates for Military – Being deployed with a military unit may lower your rates slightly.
- Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
Discounts save money, but please remember that most discounts do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.
To see insurance companies that offer some of these discounts in El Paso, click here.
Compare El Paso Suzuki Forenza insurance quotes
Getting cheap Suzuki Forenza auto insurance pricing isn’t really that difficult. The only thing you need to do is spend a few minutes to compare rate quotes to find the company with inexpensive El Paso car insurance quotes.
The following companies have been selected to offer price quotes in Texas. If the list has multiple companies, we suggest you compare several of them in order to find the most affordable rates.
Independent and exclusive insurance agencies
Some people prefer to get professional advice from a licensed agent and that is just fine! Good insurance agents are very good at helping people manage risk and will help you if you have claims. One of the benefits of getting online price quotes is that drivers can save money and get cheap car insurance rates but still work with a licensed agent. Supporting local insurance agencies is important particularly in El Paso.
To find an agent, once you fill out this simple form, your coverage information is immediately sent to local insurance agents in El Paso that can give you free El Paso car insurance quotes for your business. You won’t need to find an agent on your own since price quotes are sent to you instantly. If you have a need to get a comparison quote from a specific car insurance provider, feel free to navigate to their website and give them your coverage information.
If you’re trying to find a reliable insurance agent, it can be helpful to understand the types of agencies and how they can service your needs differently. Car insurance agents in El Paso are classified as either independent agents or exclusive agents depending on their employer. Both can insure your vehicles, but it is a good idea to know the subtle differences because it may have an impact on the type of agent you choose.
Independent Car Insurance Agents (or Brokers)
Independent agents are normally appointed by many insurers and that allows them to write policies amongst many companies and find the cheapest car insurance rates. If prices rise, your agent can just switch to a different company and you won’t have to switch agencies.
When comparing rate quotes, you definitely need to get several quotes from multiple independent agents for the best price selection. Most can insure with smaller mutual companies that many times have cheaper rates.
Shown below is a small list of independent insurance agents in El Paso who can help you get price quote information.
- Texas State Insurance Agency
1501 N Mesa St – El Paso, TX 79902 – (915) 838-1501 – View Map - RedRock Insurance Agency
1029 N Zaragoza Rd A – El Paso, TX 79907 – (915) 858-1400 – View Map - Desert West Insurance Agency, Inc.
7500 Viscount Blvd #101 – El Paso, TX 79925 – (915) 751-6060 – View Map
Exclusive Insurance Agents
Exclusive insurance agents can only quote rates from one company such as Farmers Insurance, State Farm, or Allstate. They are unable to place coverage with different providers so always compare other rates. Exclusive agencies are highly trained on sales techniques which can be an advantage. Some consumers prefer to buy from the same agent for years partially due to the brand legacy and strong financial ratings.
The following are exclusive insurance agents in El Paso that can give you rate quotes.
- Manny M Casillas – State Farm Insurance Agent
1212 N Yarbrough Dr #105 – El Paso, TX 79925 – (915) 591-2288 – View Map - Annette Gallardo Sanders – State Farm Insurance Agent
6351 S Desert Blvd #105 – El Paso, TX 79932 – (915) 877-9020 – View Map - Terry Chaumont – State Farm Insurance Agent
11660 Montwood Dr i – El Paso, TX 79936 – (915) 856-1200 – View Map
Deciding on a insurance agency requires more thought than just the premium amount. Any good agent in El Paso should know the answers to these questions.
- Does the agency provide any after hours assistance?
- How often do they review policy coverages?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- What is their Better Business Bureau rating?
- If you have an accident, will your rates go up?
- How are claims handled?
Find cheap rates by being thorough
While you’re price shopping online, do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible for the lowest cost, but do not skimp to save money.
Lower-priced insurance in El Paso can be sourced from both online companies in addition to many El Paso insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer internet price quotes and these regional insurance providers work with independent agencies.
Consumers change insurance companies for many reasons like being labeled a high risk driver, high rates after DUI convictions, poor customer service or even questionable increases in premium. No matter why you want to switch, finding a new insurance company can be easier than you think.
Helpful resources
- Keeping Children Safe in Crashes Video (iihs.org)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)