Do you want to save money by finding more affordable auto insurance rates in El Paso, TX? El Paso drivers have a choice when trying to find low-cost Chevy Spark insurance. They can either spend hours driving around getting price quotes or use the internet to make rate comparisons. There is a right way and a wrong way to find auto insurance online and you need to know the absolute fastest way to get price quotes for a new or used Chevy and find the lowest price.
It’s hard to believe, but a large majority of drivers kept their policy with the same company for more than four years, and approximately 40% of consumers have never quoted rates to find affordable coverage. With the average premium in America being $1,847, drivers can save hundreds of dollars each year just by getting comparison quotes, but they don’t believe how much they could save if they replace their high priced policy.
It’s a good habit to price shop coverage before your policy renews because prices tend to go up over time. Even if you got the lowest rates on Chevy Spark insurance in El Paso a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the fastest way to find great coverage at a great price.
Buying affordable car insurance in El Paso is quite easy if you know the best way to do it. If you are insured now, you will most likely be able to lower your rates using the ideas covered in this article. Shoppers only need an understanding of the quickest method to compare prices from many different companies.
Cheap Chevy insurance price quotes in El Paso
The following companies are ready to provide price comparisons in Texas. If several companies are displayed, we recommend you visit several of them to get the most affordable price.
Score discounts to get cheaper El Paso insurance rates
Buying insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be asked for before they will apply.
- Active Military Service – Having an actively deployed family member may lower your premium rates slightly.
- Use Seat Belts – Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks off the medical payments premium.
- Multiple Vehicles – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
- Bundled Policy Discount – If you have multiple policies and insure them both with the same insurance company you will save nearly 15% which can help you find inexpensive Chevrolet Spark insurance in El Paso.
- Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
- Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
- Low Mileage Discounts – Keeping the miles down on your Chevy may enable drivers to earn slightly better prices than normal.
- College Student Discount – Older children who live away from home to go to college and do not take a car to college can receive lower rates.
You should keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.
To see a list of companies who offer online Chevy Spark insurance quotes in El Paso, click this link.
Insurance agents are professional risk managers
Many drivers would rather buy from a local agent and that is recommended in a lot of cases Experienced insurance agents can make sure you are properly covered and help submit paperwork. An additional benefit of comparing car insurance online is that drivers can save money and get lower rates and still choose a local agent.
After filling out this short form, the quote information is transmitted to local insurance agents in El Paso that give free quotes for your car insurance coverage. There is no need to contact any agents since rate quotes are delivered directly to your email. In the event you want to quote rates from a particular provider, feel free to find their quoting web page and fill out the quote form the provide.
Choosing the best insurance company should include more criteria than just a cheap price. You should also get answers to these questions.
- Which insurance company do they prefer to write with?
- Who is covered by the car insurance policy?
- Do they regularly work with personal auto policies in El Paso?
- Will the agent or a CSR service your policy?
- Which companies do they recommend if they are an independent agency?
- Does the quote include credit and driving reports?
- What will you get paid if your car is a total loss? How is that amount determined?
- Can you choose the body shop in case repairs are needed?
When researching a reliable insurance agent, there are a couple of different types of agencies and how they differ in how they can insure your vehicles. El Paso agents are either exclusive agents or independent agents. Both write car insurance policies, but it’s a good idea to understand the difference in how they write coverage because it can influence the kind of agent you use.
Exclusive Insurance Agents
These type of agents can only write with one company such as AAA, Allstate, and State Farm. Exclusive agents cannot provide other company’s prices so you might not find the best rates. Exclusive insurance agents are very knowledgeable on their company’s products which helps overcome the inability to quote other rates. Some consumers prefer to use the same exclusive agent partially due to the prominence of the brand rather than low rates.
Below is a list of exclusive agencies in El Paso who can help you get comparison quotes.
- Allstate Insurance: John Choi
8500 Dyer St Ste 7 – El Paso, TX 79904 – (915) 755-2201 – View Map
- Allstate Insurance: Zulema Valles
4301 Montana Ave b – El Paso, TX 79903 – (915) 562-5433 – View Map
- David Rivas – State Farm Insurance Agent
4309 Fred Wilson Ave a – El Paso, TX 79904 – (915) 313-4070 – View Map
Independent Agents (or Brokers)
Independent agents are not limited to a single company so they can quote policies with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply switch companies in-house which is easy for the insured. If you are comparing rate quotes, you will definitely want to compare prices from a few independent agents in order to have the best price comparison. Most also have access to small regional insurance companies that may provide cheaper car insurance rates.
Below are El Paso independent agencies willing to provide comparison quotes.
- Mount Franklin Insurance Agency
2931 George Dieter Dr – El Paso, TX 79936 – (915) 599-2900 – View Map
- Desert West Insurance: Lavelle Michael
7500 Viscount Suite 101 – El Paso, TX 79925 – (830) 534-9623 – View Map
- Tony Ramos Insurance
7230 Gateway Blvd E H – El Paso, TX 79915 – (915) 599-1678 – View Map
Car insurance policy specifics
Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.
Coverage for liability
This coverage provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 30/60/25 that means you have $30,000 in coverage for each person’s injuries, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability can pay for claims like medical services, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.
The chart below demonstrates why buying low liability limits may not be high enough to adequately cover claims.
Auto collision coverage
Collision coverage pays for damage to your Spark resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox, driving through your garage door, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Spark in order to get cheaper collision rates.
Comprehensive or Other Than Collision
This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as a tree branch falling on your vehicle, a broken windshield and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical costs insurance
Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, pain medications, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Spark.
Since a lot of drivers only purchase the least amount of liability that is required (30/60/25), their limits can quickly be used up. So UM/UIM coverage is a good idea.
We covered a lot of ways to get a better price on Chevy Spark insurance in El Paso. It’s most important to understand that the more rate quotes you have, the higher your chance of finding inexpensive El Paso auto insurance quotes. Drivers may even discover the best auto insurance rates are with a small local company.
As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits to discover at claim time that they should have had better coverage. The aim is to buy enough coverage at a price you can afford while still protecting your assets.
A few companies may not offer online price quotes and many times these small, regional companies only sell coverage through independent agencies. Cheaper car insurance in El Paso is definitely available both online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection.
How to find cheaper quotes for Chevy Spark insurance in El Paso
If your goal is the lowest price, then the best way to get cheaper Chevy Spark insurance is to start comparing rates regularly from insurers in El Paso.
- First, it will benefit you to learn about coverages and the things you can control to prevent high rates. Many things that cause rate increases such as careless driving and a negative credit rating can be remedied by making minor driving habit or lifestyle changes.
- Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Allstate, while independent agents can quote prices for many different companies.
- Third, compare the new rate quotes to your current policy to see if cheaper Spark coverage is available. If you can save money and buy the policy, make sure coverage does not lapse between policies.
One thing to point out is to try to use the same physical damage deductibles and liability limits on every price quote and and to analyze as many companies as possible. Doing this provides an apples-to-apples comparison and a thorough selection of prices.
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