It goes without saying that car insurance companies don’t want you to look for cheaper rates. Drivers who shop around at least once a year will most likely switch to a new company because the odds are good of finding good coverage at a lower price. Remarkably, a study showed that people who compared rates regularly saved about $865 annually compared to people who never shopped around for cheaper prices.
If saving the most money on auto insurance in El Paso is the reason you’re reading this, learning the best way to compare insurance coverage can help make the process easier and more efficient.
It takes a few minutes, but the best way to get low-cost car insurance rates in El Paso is to begin comparing prices regularly from insurers who provide auto insurance in Texas. You can shop around by following these steps.
First, get a basic knowledge of how insurance companies determine prices and the factors you can control to lower rates. Many things that result in higher prices such as careless driving and a bad credit score can be improved by making minor changes in your lifestyle. This article gives more details to prevent high rates and find overlooked discounts.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of insurance providers.
Third, compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide notification to your current company of your intent to cancel your current policy. Submit a down payment along with a completed application to your new carrier. Immediately upon receiving it, store the certificate of insurance in your vehicle’s glove compartment or console.
An important bit of advice to remember is to use identical deductibles and limits on each quote request and to quote with as many different companies as possible. Doing this enables an apples-to-apples comparison and a thorough selection of prices.
Locating the most cost-effective auto insurance policy in El Paso is much easier if you know where to start. If you are already insured or just want to save money, you can follow these tips to find better prices and still get good coverage. Smart buyers just need to learn the fastest way to compare rates over the internet.
Best companies for competitive Mitsubishi Mirage G4 insurance in Texas
The providers in the list below provide quotes in El Paso, TX. If multiple companies are shown, we suggest you get prices from several of them in order to find the lowest rates.
Discount El Paso auto insurance quotes
Auto insurance is not an enjoyable expense, but you may be missing some discounts that can drop the cost substantially. Some of these discounts will be visible at the time of quoting, but once in a while a discount must be requested specifically before being credited.
- Clubs and Organizations – Joining a qualifying organization could qualify you for a break on auto insurance.
- Policy Bundle Discount – If you have multiple policies and insure them with the same company you could save at least 10% off all policies.
- No Claim Discounts – Drivers who don’t have accidents can save substantially when compared with drivers with a long claim history.
- Military Discounts – Having a family member in the military could trigger a small discount.
- Discounts for Safe Drivers – Accident-free drivers can pay as much as 50% less than drivers with accidents.
- Accident Forgiveness – Not a discount per se, but certain companies permit an accident without raising rates if your claims history is clear for a set time period.
- Paperless Signup – Some companies will discount your bill up to fifty bucks for buying a policy and signing up on the web.
As a disclaimer on discounts, some credits don’t apply to the whole policy. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.
To choose companies who offer online Mitsubishi Mirage G4 insurance quotes in Texas, click this link.
When do I need to talk to an insurance agency?
A lot of people prefer to talk to an insurance agent and that is OK! Professional insurance agents will help you protect your assets and help in the event of a claim. One of the great benefits of price shopping on the web is the fact that you can find cheaper car insurance rates but also keep your business local.
For easy comparison, once you complete this simple form, the coverage information is transmitted to agents in your area who will return price quotes for your business. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go directly to your email. If for some reason you want to get a comparison quote from a specific company, feel free to find their quoting web page and give them your coverage information.
Picking the best company requires more thought than just a cheap price. Ask your prospective agent these questions:
- Do they have any clout with companies to ensure a fair claim settlement?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they get paid more for recommending certain coverages?
- Can you get a list of referrals?
- Do they have a Better Business Bureau rating in El Paso?
Choose an insurance agent wisely
When finding a reliable insurance agency, there are two types of insurance agents from which to choose. Agents in El Paso can either be exclusive or independent (non-exclusive). Either one can write auto insurance policies, but it’s important to know how they are different since it may influence which type of agent you select.
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide one company’s prices and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. Drivers often use the same agent mostly because of the prominence of the brand instead of buying on price only.
The following is a list of exclusive agents in El Paso willing to provide rate quotes.
- Terry Jimenez – State Farm Insurance Agent
3500 N Mesa St g – El Paso, TX 79902 – (915) 532-1456 – View Map - Mike Rosales – State Farm Insurance Agent
1831 N Zaragoza Rd #109 – El Paso, TX 79936 – (915) 921-0812 – View Map - Frank Parga Jr – State Farm Insurance Agent
4141 Pinnacle St #105 – El Paso, TX 79902 – (915) 532-1423 – View Map
Independent Agents (or Brokers)
Independent insurance agents often have affiliation with several companies and that enables them to quote your coverage with a variety of different insurance companies and find you the best rates. If prices rise, your agent can switch companies which requires no work on your part.
When comparing rates, you should always include rate quotes from a couple of independent agencies in order to have the best price comparison. Many independent agencies also insure through companies you’ve never heard of who may have lower rates.
Below is a short list of independent insurance agents in El Paso that are able to give comparison quotes.
- Desert West Insurance: Lavelle Michael
7500 Viscount Suite 101 – El Paso, TX 79925 – (830) 534-9623 – View Map - Red Rock Insurance Agency
9109 Dyer St f – El Paso, TX 79924 – (915) 759-9000 – View Map - Cielo Vista Insurance
1132 Geronimo Dr – El Paso, TX 79925 – (915) 772-1406 – View Map
If you feel you receive positive responses to these questions as well as a affordable price, you have narrowed it down to a car insurance agent that will provide auto insurance coverage. But remember, it’s your coverage and you can cancel a policy at any point so never feel that you are permanently stuck with any particular company for the entire policy term.
Auto insurance company ratings
Choosing a good quality insurance company can be difficult considering how many different companies insure vehicles in Texas. The company ratings shown below could help you select which auto insurance companies to look at comparing rates from.
Top 10 El Paso Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
A conclusion for your car insurance search
Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, policy non-renewal, delays in paying claims or even unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company can be easier than you think.
In this article, we covered a lot of tips how to lower your Mitsubishi Mirage G4 insurance rates in El Paso. It’s most important to understand that the more companies you get auto insurance rates for, the higher your chance of finding inexpensive El Paso auto insurance quotes. Consumers may even find the best price on car insurance is with the smaller companies.
When searching for low cost El Paso auto insurance quotes, it’s very important that you do not buy less coverage just to save a little money. In many instances, an insured dropped physical damage coverage only to regret at claim time that it was a big error on their part. Your objective should be to get the best coverage possible at the best cost while not skimping on critical coverages.
Other learning opportunities
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Frontal Crash Tests (iihs.org)
- Auto Crash Statistics (Insurance Information Institute)