Are you researching cheaper insurance rates in El Paso, TX? Trying to come up with a payment for pricey insurance can stress out your budget and force you to make sacrifices. Comparing cost estimates can help to make sure you're not throwing money away.

Statistics show that most insurance buyers have purchased from the same company for four years or more, and almost 40% of drivers have never shopped around. El Paso consumers could save an average of $1,766 each year just by getting comparison quotes, but they don't want to take the time to do a rate comparison. Many insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurance company and get the best coverage at the best rates possible on insurance.

If you have coverage now or just want cheaper coverage, take advantage of these tips to reduce premiums without reducing protection. Locating the best insurance company for you in El Paso can really be easy if you know what you're doing. Smart buyers only have to learn the quickest way to compare price quotes using one simple form.

Auto insurance providers offering competitive price quotes in Texas

The companies in the list below are ready to provide free rate quotes in Texas. If you want cheaper auto insurance in El Paso, TX, it's a good idea that you visit several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in El Paso
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,138 $569 $95
Chevrolet Malibu LTZ $1,254 $627 $105
Chevrolet Silverado Crew Cab Hybrid 4WD $1,790 $895 $149
Dodge Grand Caravan CV $1,112 $556 $93
Dodge Ram Quad Cab SLT 2WD $1,432 $716 $119
Ford Escape XLT 2WD $1,118 $559 $93
Ford F-150 XL Crew Cab 4WD $1,170 $585 $98
Ford Focus SES 4-Dr Sedan $1,226 $613 $102
Honda Accord LX 4-Dr Sedan $1,086 $543 $91
Honda CR-V EX-L 2WD $1,134 $567 $95
Honda Civic SI 4-Dr Sedan $1,000 $500 $83
Honda Odyssey Touring $1,238 $619 $103
Nissan Altima 2.5 S 2-Dr Coupe $1,472 $736 $123
Toyota Camry SE $1,744 $872 $145
Toyota Corolla XRS $1,434 $717 $120
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in El Paso location which can change price quotes noticeably.

Insurance rates by gender in El Paso

The information below visualizes the comparison of premium costs for male and female drivers in El Paso. Data assumes no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in on a Kia Optima SX.

Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Rate increases following a ticket or accident

The chart below illustrates how speeding tickets and fender-benders impact Honda Accord auto insurance rates for different age groups of insureds. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Discounts can help to save on car insurance

Some insurance providers don't always advertise every possible discount very clearly, so the next list breaks down some of the more common and also the lesser-known ways to save on car insurance.Cheaper car insurance with discounts

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride.

If you would like to see a list of insurance companies who offer cheap car insurance quotes in El Paso in Texas, click this link.

How your El Paso costs are determined

A large part of saving on auto insurance is knowing some of the elements that aid in calculating auto insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower rates.

The itemized list below are some of the most rate-impacting factors utilized by car insurance companies to help set your prices.

When should I discuss my situation with an agent?

When quoting and comparing your policy for your personal vehicles, there really is not a "perfect" insurance plan. You are unique and a cookie cutter policy won't apply.Higher deductibles save money For example, these questions can help discover if your insurance needs would benefit from an agent's advice.

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Can't I compare rates from local El Paso car insurance agents?

Some people just want to sit down and talk to an agent and doing so can bring peace of mind Agents can answer important questions and help you file claims. One of the benefits of getting online price quotes is that you can obtain cheap insurance rates and still choose a local agent.

To find an agent, once you fill out this short form, the quote information is sent to companies in El Paso that can give you free El Paso auto insurance quotes for your coverage. You don't have to visit any agencies since price quotes are sent directly to you. If you wish to compare prices from a specific company, don't hesitate to jump over to their website and submit a quote form there.

Finding the right provider should include more criteria than just a cheap price quote. You should also get answers to these questions.

If you are wanting to find a reliable insurance agency, it's helpful to know the different agency structures and how they work. Agencies in El Paso can be described as either exclusive or independent agents depending on their company appointments. Either can do a good job, but it's good to learn the differences because it can factor into which type of agent you select.

Exclusive Insurance Agencies

Agents that choose to be exclusive are contracted to one company like American Family, State Farm, and Allstate. They are unable to give you multiple price quotes so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their company's products which helps overcome the inability to quote other rates.

Listed below are El Paso exclusive insurance agencies that are able to give rate quotes.

2200 N Yarbrough Dr c - El Paso, TX 79925 - (915) 595-3622 - View Map

10318 McCombs St - El Paso, TX 79924 - (915) 881-4956 - View Map

11617 Pellicano Dr - El Paso, TX 79936 - (915) 858-6262 - View Map

More insurance agents

Independent Agents (or Brokers)

These type of agents are not locked into one company and that gives them the ability to insure amongst many companies and find you the best rates. To move your coverage to a new company, an independent agent can move your coverage and you don't have to do anything.

If you are comparing insurance prices, it's recommended you get quotes from independent agents to get the most accurate price comparison.

Below is a short list of independent insurance agents in El Paso who can help you get comparison quotes.

7399 Alameda Ave - El Paso, TX 79915 - (915) 772-9000 - View Map

1005 E Yandell Dr - El Paso, TX 79902 - (915) 996-9799 - View Map

1444 Montana Ave #202 - El Paso, TX 79902 - (915) 599-2900 - View Map

More insurance agents

Is there deception in advertising?

Consumers can't avoid all the ads for the lowest price auto insurance by Progressive, Allstate and GEICO. All the ads try to convey promises that you can save if you change to them.

How is it possible that every company can save you money on auto insurance? You have to listen carefully.

Most companies give the cheapest rates for a prospective insured that makes them money. For example, this type of risk profile may need to be a married female, is a homeowner, and drives newer vehicles. Any person that meets those criteria will get the preferred premium rates in El Paso and is almost guaranteed to save money with a new company.

Drivers who are not a match for the "perfect" profile will probably have to pay a higher rate which translates to the driver buying from a lower-cost company. Company advertisements say "drivers that switch" not "all people who quote" save that much money. That's why insurance companies can confidently claim big savings. This really illustrates why you absolutely need to get a wide range of price quotes. It's just not possible to know which company will give you lower premium rates than your current company.

Be persistent and save

When getting El Paso auto insurance quotes online, you should never reduce needed coverages to save money. In too many instances, an insured cut physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price but still have enough coverage for asset protection.

We just showed you a lot of ways to find cheaper coverage online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheap El Paso auto insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. These companies often have lower premium rates on specific markets compared to the large companies like Allstate or State Farm.

Some insurance providers may not provide online price quotes and usually these smaller providers prefer to sell through local independent agencies. More affordable car insurance in El Paso can be sourced from both online companies and from local insurance agents, and you should compare price quotes from both to get a complete price analysis.

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