Everyone knows that auto insurance companies want to keep you from comparing prices. Drivers who shop for lower rates will most likely buy a new policy because there is a high probability of finding better rates. A recent survey discovered that people who shopped around saved over $72 a month compared to those who never compared rates.
If finding the cheapest rates on Saturn Ion insurance is the reason for your visit, then learning about how to get rate quotes and compare coverages can help simplify the process.
The easiest way to get low-cost auto insurance rates in El Paso is to start doing an annual price comparison from insurers who sell insurance in Texas. You can compare prices by following these guidelines.
- Step 1: Spend some time learning about how car insurance works and the measures you can control to keep rates down. Many factors that are responsible for high rates like inattentive driving and a poor credit score can be controlled by being financially responsible and driving safely.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while independent agencies can provide prices for many different companies.
- Step 3: Compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you can save money and buy the policy, make sure coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your intention to cancel your current auto insurance policy. Submit the required down payment along with the signed application to your new insurance company. Immediately place the new certificate verifying proof of insurance somewhere easily accessible.
An important part of this process is to try to compare similar coverage information on each quote request and and to look at as many companies as you can. This guarantees a fair price comparison and the most accurate and complete price analysis.
The majority of larger companies such as GEICO, State Farm and Progressive make it easy to get prices direct online. Comparing prices online for Saturn Ion insurance in El Paso is pretty easy because you just enter the amount of coverage you want into the quote form. Behind the scenes, their system will order your driving and credit reports and returns pricing information based on these factors.
This helps simplify price comparisons, and it’s absolutely necessary to compare as many rates as possible if you want to find the cheapest price on auto insurance.
To quickly compare rates now, compare quotes from the companies shown below. If you currently have coverage, we recommend you replicate the limits and deductibles identical to your current policy. This helps ensure you will have an apples-to-apples comparison for similar coverage.
The following companies offer price comparisons in Texas. If the list has multiple companies, we recommend you visit two to three different companies in order to get a fair rate comparison.
Why you need quality insurance for your Ion
Even though it can be expensive, paying for insurance may be required for several reasons.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability in order to get the vehicle licensed. 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.
- If your vehicle has a loan, it’s most likely the lender will require that you have insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may insure your Saturn at a more expensive rate and force you to pay a much higher amount than you were paying before.
- Insurance protects both your Saturn and your assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If your Saturn gets damaged, your policy will cover the repair costs.
The benefits of carrying adequate insurance outweigh the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying more than $810 a year so compare quotes from several companies at every policy renewal to make sure the price is not too high.
Insurance discounts help lower rates for Saturn Ion insurance in El Paso
Some insurers don’t always publicize every possible discount in a way that’s easy to find, so the list below details both the well known as well as some of the hidden discounts that you may qualify for.
- Resident Student – Older children who are enrolled in a college that is more than 100 miles from El Paso and do not take a car to college can receive lower rates.
- Renewal Discounts – Some insurance companies reward drivers for buying a new policy prior to your current Ion insurance policy expiring. It could save around 10% when you buy El Paso car insurance online.
- Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems could see savings as much as 30%.
- No Accidents – Insureds with no claims or accidents can earn big discounts as opposed to bad drivers.
- Federal Employees – Simply working for the federal government could qualify for a slight premium decrease with some insurance companies.
- Early Payment Discounts – By paying your entire bill at once rather than paying monthly you may reduce your total bill.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
- Active Service Discounts – Being deployed in the military may qualify for rate reductions.
- Club Memberships – Being a member of qualifying employment or professional organizations could earn you a nice discount when getting a El Paso car insurance quote.
Remember that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, you won’t be that lucky.
Car insurance companies who might offer many of the previously listed discounts possibly include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
If you are trying to find affordable El Paso car insurance quotes, ask every company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in El Paso.
What is the best auto insurance coverage?
When it comes to insurance from an agent or online for your vehicles, there really is no “best” method to buy coverage. Your situation is unique.
For instance, these questions can help discover if your insurance needs may require specific advice.
- Are my company tools covered if they get stolen?
- Is my camper covered for physical damage?
- Do I have ACV or replacement cost coverage?
- Do I have coverage if I rent a car in Mexico?
- When would I need additional glass coverage?
- Do I really need UM/UIM coverage?
- Am I covered when driving on a suspended license?
- Is motorclub coverage worth it?
- Do I have any recourse if my insurance company denies a claim?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.