It's a known fact that insurance companies want to keep your business as long as possible. Drivers who shop around for cheaper price quotes will, in all likelihood, buy a new policy because they have a good chance of finding a more affordable policy premium. Remarkably, a study showed that consumers who shopped around annually saved over $850 each year compared to people who never shopped for cheaper rates.
If finding the lowest rates on Honda CR-Z insurance in El Paso is your target objective, understanding how to quote and compare cheaper coverage can help simplify the process.
If you want to save money, the best way to find more affordable Honda CR-Z insurance in El Paso is to start comparing prices regularly from insurers that insure vehicles in Texas.
- Try to comprehend what is in your policy and the things you can change to prevent expensive coverage. Many risk factors that cause rate increases such as speeding and poor credit history can be improved by making lifestyle changes or driving safer.
- Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide rate quotes for a wide range of companies. View rates
- Compare the new quotes to the premium of your current policy to determine if you can save on CR-Z insurance in El Paso. If you can save money and change companies, verify that coverage does not lapse between policies.
The key thing to know about shopping around is to make sure you enter identical deductibles and limits on every quote and and to get price quotes from all possible companies. Doing this helps ensure the most accurate price comparison and a complete rate analysis.
If you have coverage now or just want to save money, you can learn to shop for the lowest rates without reducing coverage. Finding the cheapest insurance coverage in El Paso is not rocket science. Smart buyers only need to know the most effective way to get comparison quotes on the web.
Save a ton on Honda CR-Z insurance in El Paso with these discounts
Car insurance can cost a lot, but there could be available discounts that you may not know about. Certain reductions will be credited when you complete an application, but a few need to be requested specifically before being credited. If you do not double check each discount possible, you are throwing money away.
- Home Ownership Discount - Just owning your own home can earn you a little savings because owning a home is proof of financial responsibility.
- Mature Driver Discount - Seniors may qualify for lower premium rates.
- Military Rewards - Having an actively deployed family member may qualify for rate reductions.
- New Car Discount - Buying a new car instead of a used CR-Z is cheaper since new vehicles are generally safer.
- Professional Memberships - Participating in a qualifying organization can get you a small discount on your bill.
- Multi-policy Discount - When you have multiple policies and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
- Life Insurance - Larger companies have better rates if you take out life insurance.
- Federal Employees - Active or retired federal employment may qualify for a discount when you quote El Paso car insurance with some insurance companies.
- Sign Online - A few larger online companies will provide an incentive for completing your application over the internet.
Drivers should understand that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, insurance companies wouldn't stay in business.
To find companies who offer insurance discounts in Texas, click here to view.
The companies shown below offer free quotes in Texas. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
It's not one size fits all
When quoting and comparing a policy, there really is no one-size-fits-all type of policy. You are unique.
For example, these questions could help you determine if your insurance needs might need professional guidance.
- What exactly is covered by my policy?
- Are all vehicle passengers covered by medical payments coverage?
- How can I find cheaper teen driver insurance?
- When should I drop full coverage on my Honda CR-Z?
- How high should my medical payments coverage be?
- What are good deductibles for a Honda CR-Z?
- Does my medical payments coverage pay my health insurance deductible?
- What states are considered no-fault?
If you can't answer these questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.
Getting quotes from local El Paso car insurance agents
A small number of people still prefer to buy from a licensed agent and we recommend doing that Insurance agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing rate quotes online is the fact that you can find cheap car insurance rates and still buy from a local agent.
By using this short form, your insurance data is submitted to agents in your area who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to find an agent due to the fact that quote results will go immediately to you. If you wish to get a price quote from a specific car insurance provider, you can always find their quoting web page and complete a quote there.
Deciding on an insurer is decision based upon more than just the premium amount. Below are some questions you should ask.
- By raising physical damage deductibles, how much would you save?
- If your car is totaled, how to they determine the replacement cost?
- Is working in the agency their full-time job?
- Do they reduce claim amounts on high mileage vehicles?
- Do you work with a CSR or direct with the agent?
- Are there any extra charges for paying monthly?
If you're trying to find a local El Paso insurance agent, you should know the types of insurance agents and how they can service your needs differently. El Paso agents are either independent agents or exclusive agents depending on their employer. Either can write policy coverage, but it is important to understand the differences since it could factor into which agent you choose.
Exclusive Agencies
Exclusive agents can only quote rates from one company and some examples include Allstate and State Farm. They generally cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents receive extensive training on sales techniques which helps offset the inability to provide other markets.
Below are exclusive agencies in El Paso who can help you get rate quotes.
Eric Fierro - State Farm Insurance Agent
2200 N Yarbrough Dr c - El Paso, TX 79925 - (915) 595-3622 - View Map
Mike Gonzalez - State Farm Insurance Agent
5360 N Mesa St #18 - El Paso, TX 79912 - (915) 581-8939 - View Map
Tom Silverthorn - State Farm Insurance Agent
125 Thunderbird Dr a - El Paso, TX 79912 - (915) 581-3379 - View Map
Independent Car Insurance Agents
Agents in the independent channel are normally appointed by many insurers so they can insure your vehicles with any number of different companies depending on which coverage is best. If premiums increase, your agent can just switch to a different company which requires no work on your part. When searching for an agent, we recommend you contact at a minimum one independent agency to maximize your price options.
Below are independent agents in El Paso willing to provide comparison quotes.
Tony Ramos Insurance
7230 Gateway Blvd E H - El Paso, TX 79915 - (915) 599-1678 - View Map
Colonial Insurance
1515 Lee Trevino Dr - El Paso, TX 79936 - (915) 590-4099 - View Map
Mount Franklin Insurance Agency
2931 George Dieter Dr - El Paso, TX 79936 - (915) 599-2900 - View Map
El Paso car insurance companies ranked
Buying coverage from a good quality insurer can be a challenge considering how many different companies insure vehicles in Texas. The company ratings in the lists below could help you analyze which car insurance providers you want to consider when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Auto insurance savings summarized
Insureds switch companies for a number of reasons such as policy cancellation, questionable increases in premium, delays in responding to claim requests and even delays in paying claims. It doesn't matter what your reason, switching companies is less work than it seems.
When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim that they should have had better coverage. Your objective should be to get the best coverage possible for the lowest price, but do not skimp to save money.
Lower-priced Honda CR-Z insurance in El Paso can be bought online and with local El Paso insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide online rate quotes and many times these regional insurance providers only sell coverage through independent insurance agencies.
More learning opportunities
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Protecting Teens from Drunk Driving (Insurance Information Institute)